Chevrolet Silverado 3500HD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 25, 2024
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Average insurance rates for a Chevrolet Silverado 3500HD are $1,164 a year for full coverage insurance. Comprehensive costs around $200 a year, collision costs $250, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,496. Teens receive the highest rates at $4,650 a year or more.
Average premium for full coverage: $1,164
Rate estimates for individual coverage type:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Silverado 3500HD trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $588 for a discount liability-only rate to a high of $2,496 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance rates.
These examples illustrate why it is important to compare prices for a specific zip code, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below illustrates estimated Chevrolet Silverado 3500HD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $706
- Using higher $1,000 deductibles will save about $1,060 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,164
- Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,356
- High-risk insureds with serious driving violations could pay at least $2,496 or more
- The cost that insures a 16-year-old driver can be $4,650 or more
Insurance rates for a Chevrolet Silverado 3500HD can also vary considerably based on the trim level of your Silverado 3500HD, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 134% more than the average policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age
Where you live has a huge impact on Chevrolet Silverado 3500HD insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,570 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,054 | -$110 | -9.5% |
| Alaska | $894 | -$270 | -23.2% |
| Arizona | $966 | -$198 | -17.0% |
| Arkansas | $1,164 | -$0 | 0.0% |
| California | $1,326 | $162 | 13.9% |
| Colorado | $1,110 | -$54 | -4.6% |
| Connecticut | $1,196 | $32 | 2.7% |
| Delaware | $1,316 | $152 | 13.1% |
| Florida | $1,456 | $292 | 25.1% |
| Georgia | $1,076 | -$88 | -7.6% |
| Hawaii | $834 | -$330 | -28.4% |
| Idaho | $788 | -$376 | -32.3% |
| Illinois | $866 | -$298 | -25.6% |
| Indiana | $880 | -$284 | -24.4% |
| Iowa | $786 | -$378 | -32.5% |
| Kansas | $1,104 | -$60 | -5.2% |
| Kentucky | $1,588 | $424 | 36.4% |
| Louisiana | $1,724 | $560 | 48.1% |
| Maine | $720 | -$444 | -38.1% |
| Maryland | $962 | -$202 | -17.4% |
| Massachusetts | $930 | -$234 | -20.1% |
| Michigan | $2,018 | $854 | 73.4% |
| Minnesota | $974 | -$190 | -16.3% |
| Mississippi | $1,394 | $230 | 19.8% |
| Missouri | $1,032 | -$132 | -11.3% |
| Montana | $1,250 | $86 | 7.4% |
| Nebraska | $918 | -$246 | -21.1% |
| Nevada | $1,396 | $232 | 19.9% |
| New Hampshire | $840 | -$324 | -27.8% |
| New Jersey | $1,302 | $138 | 11.9% |
| New Mexico | $1,030 | -$134 | -11.5% |
| New York | $1,224 | $60 | 5.2% |
| North Carolina | $672 | -$492 | -42.3% |
| North Dakota | $954 | -$210 | -18.0% |
| Ohio | $802 | -$362 | -31.1% |
| Oklahoma | $1,194 | $30 | 2.6% |
| Oregon | $1,066 | -$98 | -8.4% |
| Pennsylvania | $1,110 | -$54 | -4.6% |
| Rhode Island | $1,552 | $388 | 33.3% |
| South Carolina | $1,056 | -$108 | -9.3% |
| South Dakota | $984 | -$180 | -15.5% |
| Tennessee | $1,018 | -$146 | -12.5% |
| Texas | $1,402 | $238 | 20.4% |
| Utah | $860 | -$304 | -26.1% |
| Vermont | $796 | -$368 | -31.6% |
| Virginia | $696 | -$468 | -40.2% |
| Washington | $896 | -$268 | -23.0% |
| West Virginia | $1,066 | -$98 | -8.4% |
| Wisconsin | $804 | -$360 | -30.9% |
| Wyoming | $1,036 | -$128 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $300 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company calculates rates differently, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 4WD | $1,228 | $102 |
| LT Extended Cab 4WD | $1,228 | $102 |
| LT Crew Cab 2WD | $1,052 | $88 |
| LTZ Crew Cab 2WD | $1,070 | $89 |
| LT Crew Cab Diesel 2WD | $1,090 | $91 |
| LTZ Crew Cab Diesel 2WD | $1,108 | $92 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chevrolet Silverado 3500HD | $370 | $626 | $450 | $1,626 |
| 2023 Chevrolet Silverado 3500HD | $356 | $610 | $470 | $1,616 |
| 2022 Chevrolet Silverado 3500HD | $344 | $586 | $486 | $1,596 |
| 2021 Chevrolet Silverado 3500HD | $326 | $564 | $500 | $1,570 |
| 2020 Chevrolet Silverado 3500HD | $312 | $524 | $510 | $1,526 |
| 2019 Chevrolet Silverado 3500HD | $300 | $494 | $514 | $1,488 |
| 2018 Chevrolet Silverado 3500HD | $288 | $442 | $520 | $1,430 |
| 2017 Chevrolet Silverado 3500HD | $270 | $408 | $520 | $1,378 |
| 2016 Chevrolet Silverado 3500HD | $260 | $382 | $524 | $1,346 |
| 2015 Chevrolet Silverado 3500HD | $254 | $356 | $534 | $1,324 |
| 2014 Chevrolet Silverado 3500HD | $234 | $330 | $534 | $1,278 |
| 2012 Chevrolet Silverado 3500HD | $212 | $274 | $534 | $1,200 |
| 2011 Chevrolet Silverado 3500HD | $200 | $250 | $534 | $1,164 |
| 2010 Chevrolet Silverado 3500HD | $194 | $224 | $530 | $1,128 |
Rates are averaged for all Chevrolet Silverado 3500HD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Chevrolet Silverado 3500HD Insurance
Saving money on insurance for a Chevrolet Silverado 3500HD requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a review of the data that was covered in the charts and tables above.
- It is possible to save up to $130 per year simply by quoting early and online
- Insureds who may need additional liability coverage will pay approximately $590 annually to increase from a minimum limit to the 250/500 level
- 16 to 18-year-old drivers pay higher rates, costing up to $388 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,330 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,650 |
| 20 | $2,650 |
| 30 | $1,184 |
| 40 | $1,164 |
| 50 | $1,068 |
| 60 | $1,044 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,356 |
| $250 | $1,270 |
| $500 | $1,164 |
| $1,000 | $1,060 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,164 |
| 50/100 | $1,203 |
| 100/300 | $1,321 |
| 250/500 | $1,629 |
| 100 CSL | $1,250 |
| 300 CSL | $1,511 |
| 500 CSL | $1,701 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,556 |
| 20 | $4,218 |
| 30 | $2,520 |
| 40 | $2,496 |
| 50 | $2,388 |
| 60 | $2,362 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $59 |
| Multi-vehicle | $62 |
| Homeowner | $21 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $42 |
| Advance Quote | $51 |
| Online Quote | $79 |
| Total Discounts | $458 |
Discounts are estimated and may not be available from every company or in every state.
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