Chevrolet Silverado 3500HD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 25, 2024
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U.S. average insurance prices for a Chevrolet Silverado 3500HD are $1,164 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $200, collision insurance costs $250, and liability is $534. A policy with just liability insurance costs around $588 a year, and coverage for high-risk drivers costs $2,496 or more. 16-year-old drivers pay the highest rates at up to $4,650 a year.
Average premium for full coverage: $1,164
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Silverado 3500HD trim levels.
Price Range from Low to High
For an average driver, Chevrolet Silverado 3500HD insurance prices range from the cheapest price of $588 for just the minimum liability insurance to a much higher rate of $2,496 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of using rate averages.
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.
Additional Rate Analysis
The chart below illustrates average Chevrolet Silverado 3500HD insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $706
- Raising to $1,000 deductibles will save $104 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,164
- Buying more expensive low deductibles costs an extra $192 every year
- At-risk drivers with multiple tickets or accidents could pay around $2,496
- The price to insure a teen driver with full coverage can cost $4,650
Insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Silverado 3500HD.
Opting for high physical damage deductibles can reduce prices by up to $300 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Chevrolet Silverado 3500HD insurance prices. A middle-age driver might find prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,570 on average in Florida, New York, and Michigan.
| 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% |
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 Shop for Affordable Chevrolet Silverado 3500HD Insurance
Getting lower rates on car insurance consists of having a good driving record, having good credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The next list is a brief review of the data covered in the above illustrations.
- Policyholders who purchase increased levels of liability coverage will pay around $590 annually to raise from a low limit to a 250/500 level
- It is possible to save around $130 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $300 each year
- Drivers age 20 and younger are expensive to insure, as much as $388 a month if they have full coverage
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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