Chevrolet Silverado 3500HD Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $212
Collision $274
Liability $534

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.

Liability Only $588
Full Coverage $1,200
High Risk $2,580

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.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

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

View Chart as Image

Chevrolet Silverado 3500HD insurance cost comparison chart
Column chart showing Chevrolet Silverado 3500HD insurance rates range from $726 to $4,768 for full coverage

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.

Chevrolet Silverado 3500HD Insurance Rates by State
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%

View Chart as Image

Chevrolet Silverado 3500HD insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Chevrolet Silverado 3500HD Insurance Rates by Model and Trim Level
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.

Chevrolet Silverado 3500HD Insurance Rates by Model Year
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

Rates by Driver Age

Chevrolet Silverado 3500HD Insurance 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

Chevrolet Silverado 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,316
$500 $1,200
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 3500HD Insurance Rates with Different Liability Limits
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

Chevrolet Silverado 3500HD Insurance 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.

SR-22 Surcharge $160

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
Rate after discounts $726

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles