Chevrolet Silverado 3500HD Insurance Rates

The average insurance rates for a Chevrolet Silverado 3500HD are $1,164 a year including full coverage. Comprehensive insurance costs around $200 each year, collision costs $250, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,496 or more. Teens cost the most to insure at $4,650 a year or more.

Average premium for full coverage: $1,164

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Silverado 3500HD models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

More Rate Information

The chart below breaks down estimated Chevrolet Silverado 3500HD insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $706
• Drivers who choose higher $1,000 deductibles will pay about $104 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,164
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $192 each year
• High-risk insureds with serious driving violations could pay at least $2,496 or more
• Policy cost for full coverage for a teenage driver can be $4,650 a year

View Chart as Image

Insurance rates for a Chevrolet Silverado 3500HD also range considerably based on your risk profile, the model of your Silverado 3500HD, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Silverado 3500HD insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $300 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Every company calculates rates differently, so the rates will be varied from one company to the next.

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 Find Affordable Chevrolet Silverado 3500HD Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the information touched on in the above illustrations.

• You may be able to save up to $130 per year simply by quoting online in advance
• Youthful drivers pay higher rates, with premiums being up to $388 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers with DUI or reckless driving convictions pay on average $1,330 more every year than a low-risk driver
• Consumers who may need more liability protection will pay approximately $590 per year to go from a 30/60 limit to 250/500 limits