Chevrolet Silverado 3500HD Insurance Rates

Estimated insurance prices for a Chevrolet Silverado 3500HD are $1,164 every 12 months including full coverage. Comprehensive insurance costs an estimated $200 each year, collision insurance costs $250, and liability insurance costs $534. Liability-only insurance costs as little as $588 a year, and high-risk driver insurance costs $2,496 or more. Teenage drivers pay the most at up to $4,650 a year.

Average premium for full coverage: $1,164

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Silverado 3500HD models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.

These rate differences highlight why all drivers should compare rates for a targeted area and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below breaks down average Chevrolet Silverado 3500HD insurance rates for other coverage scenarios.

• The best discount rate is $706
• Drivers who choose higher $1,000 deductibles will pay approximately $104 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,164
• Using low deductibles for comprehensive and collision insurance costs an extra $192 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,496
• An auto insurance policy to insure a teen driver can cost as much as $4,650 a year

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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 model year and trim level.

Using high physical damage deductibles could save up to $300 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $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 $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,660 on average in Louisiana, New York, and Michigan.

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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 the Right Chevrolet Silverado 3500HD Insurance

Finding better rates on Chevrolet Silverado 3500HD insurance not only requires being a good driver, but also having above-average credit, refrain from filing small claims, and possibly raising deductibles. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $130 per year just by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,330 more annually than a safer driver
• Increasing policy deductibles could save as much as $300 each year
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $388 per month if full coverage is included