Chevrolet Silverado 2500HD Insurance Rates
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Written by
Jeffrey Johnson
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UPDATED: Apr 9, 2020
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Average insurance rates for a Chevrolet Silverado 2500HD are $1,626 a year with full coverage. Comprehensive insurance costs around $346 a year, collision costs $660, and liability insurance is $440. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $3,526 or more. Teen drivers receive the highest rates at $6,032 a year or more.
Average premium for full coverage: $1,626
Rate estimates for individual coverage type:
These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Silverado 2500HD trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $510 for basic liability insurance to a high of $3,526 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than relying on 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.
Rate Comparisons
The chart below details estimated Chevrolet Silverado 2500HD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $929
- Raising to $1,000 deductibles will save about $1,398 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,626
- Choosing low $100 deductibles will cost an extra $446 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,526 or more
- The cost for full coverage for a teen driver can be $6,032
Auto insurance rates for a Chevrolet Silverado 2500HD can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $6,000 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Silverado 2500HD insurance rates. A middle-age driver might find rates as low as $1,170 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,200 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,470 | -$156 | -9.6% |
| Alaska | $1,248 | -$378 | -23.2% |
| Arizona | $1,350 | -$276 | -17.0% |
| Arkansas | $1,626 | -$0 | 0.0% |
| California | $1,854 | $228 | 14.0% |
| Colorado | $1,552 | -$74 | -4.6% |
| Connecticut | $1,670 | $44 | 2.7% |
| Delaware | $1,842 | $216 | 13.3% |
| Florida | $2,034 | $408 | 25.1% |
| Georgia | $1,502 | -$124 | -7.6% |
| Hawaii | $1,166 | -$460 | -28.3% |
| Idaho | $1,102 | -$524 | -32.2% |
| Illinois | $1,210 | -$416 | -25.6% |
| Indiana | $1,226 | -$400 | -24.6% |
| Iowa | $1,098 | -$528 | -32.5% |
| Kansas | $1,544 | -$82 | -5.0% |
| Kentucky | $2,218 | $592 | 36.4% |
| Louisiana | $2,408 | $782 | 48.1% |
| Maine | $1,006 | -$620 | -38.1% |
| Maryland | $1,344 | -$282 | -17.3% |
| Massachusetts | $1,298 | -$328 | -20.2% |
| Michigan | $2,824 | $1,198 | 73.7% |
| Minnesota | $1,362 | -$264 | -16.2% |
| Mississippi | $1,950 | $324 | 19.9% |
| Missouri | $1,442 | -$184 | -11.3% |
| Montana | $1,748 | $122 | 7.5% |
| Nebraska | $1,282 | -$344 | -21.2% |
| Nevada | $1,950 | $324 | 19.9% |
| New Hampshire | $1,174 | -$452 | -27.8% |
| New Jersey | $1,818 | $192 | 11.8% |
| New Mexico | $1,440 | -$186 | -11.4% |
| New York | $1,714 | $88 | 5.4% |
| North Carolina | $938 | -$688 | -42.3% |
| North Dakota | $1,332 | -$294 | -18.1% |
| Ohio | $1,122 | -$504 | -31.0% |
| Oklahoma | $1,668 | $42 | 2.6% |
| Oregon | $1,490 | -$136 | -8.4% |
| Pennsylvania | $1,550 | -$76 | -4.7% |
| Rhode Island | $2,172 | $546 | 33.6% |
| South Carolina | $1,474 | -$152 | -9.3% |
| South Dakota | $1,374 | -$252 | -15.5% |
| Tennessee | $1,422 | -$204 | -12.5% |
| Texas | $1,958 | $332 | 20.4% |
| Utah | $1,202 | -$424 | -26.1% |
| Vermont | $1,114 | -$512 | -31.5% |
| Virginia | $974 | -$652 | -40.1% |
| Washington | $1,254 | -$372 | -22.9% |
| West Virginia | $1,492 | -$134 | -8.2% |
| Wisconsin | $1,126 | -$500 | -30.8% |
| Wyoming | $1,448 | -$178 | -10.9% |
Choosing high deductibles can reduce rates by up to $680 each year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,900 to $2,600 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly 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 2WD | $1,570 | $131 |
| LT Crew Cab 4WD | $1,438 | $120 |
| LTZ Crew Cab 4WD | $1,480 | $123 |
| LT Crew Cab Diesel 2WD | $1,656 | $138 |
| LT Extended Cab Diesel 2WD | $1,656 | $138 |
| LTZ Crew Cab 2WD | $1,656 | $138 |
| LT Crew Cab Diesel 4WD | $1,524 | $127 |
| LTZ Crew Cab Diesel 2WD | $1,698 | $142 |
| LTZ Crew Cab Diesel 4WD | $1,566 | $131 |
Rates assume 2020 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.
Rates are averaged for all Chevrolet Silverado 2500HD 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 Cheap Chevrolet Silverado 2500HD Insurance
Saving money on Chevrolet Silverado 2500HD insurance consists of being a low-risk driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The items below are a brief summary of the concepts that were presented in the illustrations above.
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,900 more every year to insure their Silverado 2500HD
- Teen drivers are expensive to insure, with premiums as much as $503 per month if they have full coverage
- You may be able to save up to $200 per year simply by quoting early and online
- Increasing deductibles can save around $675 each year
- You may be able to save up to $200 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,032 |
| 20 | $3,766 |
| 30 | $1,700 |
| 40 | $1,626 |
| 50 | $1,484 |
| 60 | $1,458 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,072 |
| $250 | $1,866 |
| $500 | $1,626 |
| $1,000 | $1,398 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,626 |
| 50/100 | $1,644 |
| 100/300 | $1,742 |
| 250/500 | $1,995 |
| 100 CSL | $1,683 |
| 300 CSL | $1,898 |
| 500 CSL | $2,054 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,620 |
| 20 | $5,992 |
| 30 | $3,606 |
| 40 | $3,526 |
| 50 | $3,362 |
| 60 | $3,334 |
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 | $87 |
| Multi-vehicle | $85 |
| Homeowner | $23 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $76 |
| Advance Quote | $82 |
| Online Quote | $116 |
| Total Discounts | $697 |
Discounts are estimated and may not be available from every company or in every state.
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