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 rates for a Chevrolet Silverado 3500HD are $1,164 a year with full coverage. Comprehensive insurance costs approximately $200 a year, collision costs $250, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing $2,496 or more. Teen drivers pay the highest rates at $4,650 a year or more.
Average premium for full coverage: $1,164
Price estimates by individual coverage:
Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Silverado 3500HD trim levels.
Price Range from Low to High
For the average driver, Chevrolet Silverado 3500HD insurance prices go from as low as $588 for minimum levels of liability insurance to a high of $2,496 for high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why it is important to get quotes using their specific location and risk profile, instead of using price 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 Details
The chart below details estimated Chevrolet Silverado 3500HD insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $706
- Choosing higher $1,000 deductibles can save $1,060 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,164
- Choosing low $100 deductibles for comp and collision coverage will cost an extra $192 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,496 or more
- The price for full coverage for a teen driver can cost $4,650 each year
Auto insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $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 prices. A good driver about age 40 could pay as low as $840 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,570 on average in New York, Michigan, 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 high deductibles can save as much as $300 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices may be quite different from one company to the next.
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 the Best Cheap Chevrolet Silverado 3500HD Insurance
Getting lower rates on car insurance takes being a low-risk driver, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a quick review of the material that was touched on above.
- Policyholders who purchase more liability coverage will pay about $590 every year to raise limits from a low limit to 250/500 limits
- Teen drivers have the highest car insurance prices, costing up to $388 a month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,330 more per year to insure their Silverado 3500HD
- Increasing physical damage deductibles can save around $300 each year
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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