Chevrolet Silverado 3500HD Insurance Rates

Estimated insurance prices for a Chevrolet Silverado 3500HD are $1,164 every 12 months including full coverage. Comprehensive costs on average $200, collision costs $250, and liability insurance costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,496. Teenage drivers pay the most at $4,650 a year or more.

Average premium for full coverage: $1,164

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Silverado 3500HD trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Chevrolet Silverado 3500HD insurance rates for different risk profiles and scenarios.

• The best discount rate is $706
• Using higher $1,000 deductibles will save around $104 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,164
• Using more expensive low deductibles for physical damage coverage increases the price to $1,356
• Drivers who are prone to accidents and violations could pay upwards of $2,496 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $4,650 or more

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Auto insurance prices for a Chevrolet Silverado 3500HD also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Silverado 3500HD.

Using high physical damage deductibles could cut prices by as much as $300 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Chevrolet Silverado 3500HD insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,660 on average in Michigan, New York, and Louisiana.

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With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheap Chevrolet Silverado 3500HD Insurance

Finding better rates on Chevrolet Silverado 3500HD insurance requires being safe and accident-free, having a good credit score, refrain from filing small claims, and taking advantage of discounts. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the car insurance concepts illustrated above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,330 more each year than a low-risk driver
• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $300 each year
• Drivers who require more liability protection will pay an extra $590 per year to increase from 30/60 bodily injury limits to a 250/500 level