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...
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UPDATED: Apr 25, 2024
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Average auto insurance rates for a Chevrolet Silverado 3500HD are $1,200 annually for full coverage insurance. Comprehensive costs on average $212, collision insurance costs $274, and liability coverage is $534. A liability-only policy costs around $588 a year, and high-risk insurance costs around $2,580. Teenage drivers receive the highest rates at up to $4,768 a year.
Average premium for full coverage: $1,200
Rate estimates by individual coverage type:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Silverado 3500HD trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $588 for a discount liability-only rate to a much higher rate of $2,580 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.
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.
Rates by State, City, and Model
The chart below illustrates average Chevrolet Silverado 3500HD insurance rates for different risk profiles and scenarios.
- The best discount rate is $726
- Raising to $1,000 deductibles will save around $110 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,200
- Using more expensive low deductibles will cost $1,412
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,580
- The cost with full coverage for a teenage driver with full coverage may cost $4,768
Insurance rates for a Chevrolet Silverado 3500HD can also vary considerably based on the trim level of your Silverado 3500HD, your risk profile, and policy deductibles and limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $330 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Chevrolet Silverado 3500HD insurance rates. A middle-age driver might find rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$114 | -9.5% |
| Alaska | $922 | -$278 | -23.2% |
| Arizona | $998 | -$202 | -16.8% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,370 | $170 | 14.2% |
| Colorado | $1,146 | -$54 | -4.5% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,358 | $158 | 13.2% |
| Florida | $1,504 | $304 | 25.3% |
| Georgia | $1,110 | -$90 | -7.5% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $814 | -$386 | -32.2% |
| Illinois | $892 | -$308 | -25.7% |
| Indiana | $908 | -$292 | -24.3% |
| Iowa | $812 | -$388 | -32.3% |
| Kansas | $1,140 | -$60 | -5.0% |
| Kentucky | $1,638 | $438 | 36.5% |
| Louisiana | $1,780 | $580 | 48.3% |
| Maine | $744 | -$456 | -38.0% |
| Maryland | $992 | -$208 | -17.3% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,086 | $886 | 73.8% |
| Minnesota | $1,006 | -$194 | -16.2% |
| Mississippi | $1,440 | $240 | 20.0% |
| Missouri | $1,064 | -$136 | -11.3% |
| Montana | $1,290 | $90 | 7.5% |
| Nebraska | $948 | -$252 | -21.0% |
| Nevada | $1,444 | $244 | 20.3% |
| New Hampshire | $868 | -$332 | -27.7% |
| New Jersey | $1,344 | $144 | 12.0% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,266 | $66 | 5.5% |
| North Carolina | $692 | -$508 | -42.3% |
| North Dakota | $984 | -$216 | -18.0% |
| Ohio | $828 | -$372 | -31.0% |
| Oklahoma | $1,232 | $32 | 2.7% |
| Oregon | $1,102 | -$98 | -8.2% |
| Pennsylvania | $1,144 | -$56 | -4.7% |
| Rhode Island | $1,602 | $402 | 33.5% |
| South Carolina | $1,088 | -$112 | -9.3% |
| South Dakota | $1,016 | -$184 | -15.3% |
| Tennessee | $1,050 | -$150 | -12.5% |
| Texas | $1,446 | $246 | 20.5% |
| Utah | $890 | -$310 | -25.8% |
| Vermont | $824 | -$376 | -31.3% |
| Virginia | $718 | -$482 | -40.2% |
| Washington | $926 | -$274 | -22.8% |
| West Virginia | $1,102 | -$98 | -8.2% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,070 | -$130 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| LT Crew Cab 4WD | $1,264 | $105 |
| LT Extended Cab 4WD | $1,264 | $105 |
| LT Crew Cab 2WD | $1,086 | $91 |
| LTZ Crew Cab 2WD | $1,106 | $92 |
| LT Crew Cab Diesel 2WD | $1,126 | $94 |
| LTZ Crew Cab Diesel 2WD | $1,148 | $96 |
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 | $384 | $630 | $440 | $1,634 |
| 2023 Chevrolet Silverado 3500HD | $370 | $626 | $450 | $1,626 |
| 2022 Chevrolet Silverado 3500HD | $356 | $610 | $470 | $1,616 |
| 2021 Chevrolet Silverado 3500HD | $344 | $586 | $486 | $1,596 |
| 2020 Chevrolet Silverado 3500HD | $326 | $564 | $500 | $1,570 |
| 2019 Chevrolet Silverado 3500HD | $312 | $524 | $510 | $1,526 |
| 2018 Chevrolet Silverado 3500HD | $300 | $494 | $514 | $1,488 |
| 2017 Chevrolet Silverado 3500HD | $288 | $442 | $520 | $1,430 |
| 2016 Chevrolet Silverado 3500HD | $270 | $408 | $520 | $1,378 |
| 2015 Chevrolet Silverado 3500HD | $260 | $382 | $524 | $1,346 |
| 2014 Chevrolet Silverado 3500HD | $254 | $356 | $534 | $1,324 |
| 2012 Chevrolet Silverado 3500HD | $228 | $300 | $540 | $1,248 |
| 2011 Chevrolet Silverado 3500HD | $212 | $274 | $534 | $1,200 |
| 2010 Chevrolet Silverado 3500HD | $200 | $250 | $534 | $1,164 |
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 Buy the Right Chevrolet Silverado 3500HD Insurance
Saving money on auto insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop every other policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a quick rundown of the ideas that were touched on in the above illustrations.
- 16 to 18-year-old drivers pay the highest rates, costing up to $397 per month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions may pay on average $1,380 more each year than a driver with a clean driving record
- Increasing deductibles could save up to $325 each year
- It is possible to save as much as $140 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,768 |
| 20 | $2,736 |
| 30 | $1,226 |
| 40 | $1,200 |
| 50 | $1,102 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,412 |
| $250 | $1,316 |
| $500 | $1,200 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,243 |
| 100/300 | $1,361 |
| 250/500 | $1,669 |
| 100 CSL | $1,290 |
| 300 CSL | $1,551 |
| 500 CSL | $1,741 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,732 |
| 20 | $4,358 |
| 30 | $2,604 |
| 40 | $2,580 |
| 50 | $2,466 |
| 60 | $2,440 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $21 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $82 |
| Total Discounts | $474 |
Discounts are estimated and may not be available from every company or in every state.
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