Chevrolet Silverado 3500HD Insurance Rates

U.S. average insurance rates for a Chevrolet Silverado 3500HD are $1,164 a year with full coverage. Comprehensive costs around $200, collision costs $250, and liability coverage is estimated at $534. A policy with just liability insurance costs approximately $588 a year, with coverage for high-risk drivers costing around $2,496. Teenage drivers pay the highest rates at $4,650 a year or more.

Average premium for full coverage: $1,164

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Silverado 3500HD trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $706
• Choosing higher $1,000 deductibles can save about $104 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,164
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,356
• Drivers who are prone to accidents and violations could pay at least $2,496 or more
• The price for full coverage for a teenage driver with full coverage can be $4,650 each year

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Insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Chevrolet Silverado 3500HD insurance rates. A good driver about age 40 could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,570 on average in Florida, Michigan, and New York.

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Using high physical damage deductibles can save as much as $300 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices may be quite different 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

Getting lower rates on auto insurance takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates once a year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a brief review of the data that was covered above.

• You may be able to save up to $130 per year simply by shopping early and online
• Consumers who may need more liability protection will pay an extra $590 every year to raise limits from a low limit to 250/500 limits
• Youthful drivers pay higher prices, costing up to $388 a month for full coverage
• Drivers with DUI or reckless driving convictions pay an average of $1,330 more every year than a low-risk driver