1. Vehicles
  2. Chevrolet
  3. Silverado 2500HD

Chevrolet Silverado 2500HD Insurance Rates

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Apr 9, 2020

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 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:

Comprehensive $346
Collision $660
Liability $440

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.

Liability Only $510
Full Coverage $1,626
High Risk $3,526

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.

Rural Areas $1,220
Small Cities $1,707
Large Cities $2,195

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

View Chart as Image

Chevrolet Silverado 2500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 2500HD insurance prices range from $929 to $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.

Chevrolet Silverado 2500HD Insurance Rates by State
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%

View Chart as Image

Chevrolet Silverado 2500HD insurance rates by U.S. city

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

Chevrolet Silverado 2500HD Insurance Rates by Model and Trim Level
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.

Chevrolet Silverado 2500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Silverado 2500HD $346 $660 $440 $1,626
2019 Chevrolet Silverado 2500HD $332 $656 $450 $1,618
2018 Chevrolet Silverado 2500HD $320 $640 $470 $1,610
2017 Chevrolet Silverado 2500HD $310 $612 $486 $1,588
2016 Chevrolet Silverado 2500HD $292 $592 $500 $1,564
2015 Chevrolet Silverado 2500HD $282 $548 $510 $1,520
2014 Chevrolet Silverado 2500HD $270 $516 $514 $1,480
2013 Chevrolet Silverado 2500HD $258 $464 $520 $1,422
2012 Chevrolet Silverado 2500HD $242 $426 $520 $1,368
2011 Chevrolet Silverado 2500HD $234 $400 $524 $1,338
2010 Chevrolet Silverado 2500HD $228 $374 $534 $1,316
2009 Chevrolet Silverado 2500HD $210 $346 $534 $1,270
2008 Chevrolet Silverado 2500HD $206 $314 $540 $1,240
2007 Chevrolet Silverado 2500HD $192 $288 $534 $1,194
2006 Chevrolet Silverado 2500HD $180 $262 $534 $1,156
2005 Chevrolet Silverado 2500HD $174 $234 $530 $1,118
2004 Chevrolet Silverado 2500HD $172 $230 $520 $1,102
2003 Chevrolet Silverado 2500HD $168 $218 $510 $1,076
2002 Chevrolet Silverado 2500HD $154 $208 $504 $1,046
2001 Chevrolet Silverado 2500HD $150 $198 $500 $1,028

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

Rates by Driver Age

Chevrolet Silverado 2500HD Insurance 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

Chevrolet Silverado 2500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,072
$250 $1,866
$500 $1,626
$1,000 $1,398

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 2500HD Insurance Rates with Different Liability Limits
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

Chevrolet Silverado 2500HD Insurance 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.

SR-22 Surcharge $228

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
Rate after discounts $929

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 with SHA-256 Encryption

You May Also Enjoy These Articles