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Chevrolet Silverado 3500HD Insurance Rates

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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 ...

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UPDATED: Apr 9, 2020

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U.S. average insurance rates for a Chevrolet Silverado 3500HD are $1,634 a year including full coverage. Comprehensive insurance costs on average $384 each year, collision costs $630, and liability insurance costs around $440. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $3,518 or more. 16-year-old drivers pay the highest rates at $5,976 a year or more.

Average premium for full coverage: $1,634

Price estimates by individual coverage:

Comprehensive $384
Collision $630
Liability $440

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Silverado 3500HD models.

Price Range from Low to High

For a driver around age 40, Chevrolet Silverado 3500HD insurance prices go from the low end price of $510 for just the minimum liability insurance to a high rate of $3,518 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,634
High Risk $3,518

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,226
Small Cities $1,716
Large Cities $2,206

The ranges above highlight why all drivers should compare prices based on a specific location, rather than relying on rate 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 Analysis

The chart below breaks down estimated Chevrolet Silverado 3500HD insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $945
  • Using higher $1,000 deductibles will save around $230 every year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,634
  • Buying low deductibles for physical damage coverage will cost an additional $448 a year
  • Drivers with multiple tickets or accidents could pay upwards of $3,518 or more
  • The price that insures a teen driver may cost $5,976 or more

View Chart as Image

Chevrolet Silverado 3500HD insurance cost comparison chart
Column chart showing full coverage Chevrolet Silverado 3500HD insurance prices range from $945 to $5,976

Car insurance prices for a Chevrolet Silverado 3500HD are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,900 a year. View Rates by Age

The state you live in has a huge impact on Chevrolet Silverado 3500HD insurance rates. A driver around age 40 might see prices as low as $1,260 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,330 on average in Michigan, New York, and Louisiana.

Chevrolet Silverado 3500HD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,478 -$156 -9.5%
Alaska $1,256 -$378 -23.1%
Arizona $1,360 -$274 -16.8%
Arkansas $1,634 -$0 0.0%
California $1,864 $230 14.1%
Colorado $1,560 -$74 -4.5%
Connecticut $1,680 $46 2.8%
Delaware $1,852 $218 13.3%
Florida $2,046 $412 25.2%
Georgia $1,510 -$124 -7.6%
Hawaii $1,172 -$462 -28.3%
Idaho $1,108 -$526 -32.2%
Illinois $1,216 -$418 -25.6%
Indiana $1,234 -$400 -24.5%
Iowa $1,104 -$530 -32.4%
Kansas $1,554 -$80 -4.9%
Kentucky $2,230 $596 36.5%
Louisiana $2,422 $788 48.2%
Maine $1,012 -$622 -38.1%
Maryland $1,350 -$284 -17.4%
Massachusetts $1,306 -$328 -20.1%
Michigan $2,840 $1,206 73.8%
Minnesota $1,368 -$266 -16.3%
Mississippi $1,962 $328 20.1%
Missouri $1,452 -$182 -11.1%
Montana $1,758 $124 7.6%
Nebraska $1,292 -$342 -20.9%
Nevada $1,962 $328 20.1%
New Hampshire $1,180 -$454 -27.8%
New Jersey $1,828 $194 11.9%
New Mexico $1,446 -$188 -11.5%
New York $1,724 $90 5.5%
North Carolina $944 -$690 -42.2%
North Dakota $1,340 -$294 -18.0%
Ohio $1,130 -$504 -30.8%
Oklahoma $1,680 $46 2.8%
Oregon $1,498 -$136 -8.3%
Pennsylvania $1,560 -$74 -4.5%
Rhode Island $2,184 $550 33.7%
South Carolina $1,482 -$152 -9.3%
South Dakota $1,380 -$254 -15.5%
Tennessee $1,430 -$204 -12.5%
Texas $1,970 $336 20.6%
Utah $1,208 -$426 -26.1%
Vermont $1,122 -$512 -31.3%
Virginia $978 -$656 -40.1%
Washington $1,262 -$372 -22.8%
West Virginia $1,500 -$134 -8.2%
Wisconsin $1,130 -$504 -30.8%
Wyoming $1,456 -$178 -10.9%

View Chart as Image

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

Opting for high physical damage deductibles could cut prices by as much as $680 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.

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 $1,676 $140
LT Extended Cab 4WD $1,676 $140
LT Crew Cab 2WD $1,490 $124
LTZ Crew Cab 2WD $1,532 $128
LT Crew Cab Diesel 2WD $1,576 $131
LTZ Crew Cab Diesel 2WD $1,620 $135

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 3500HD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Silverado 3500HD $384 $630 $440 $1,634
2019 Chevrolet Silverado 3500HD $370 $626 $450 $1,626
2018 Chevrolet Silverado 3500HD $356 $610 $470 $1,616
2017 Chevrolet Silverado 3500HD $344 $586 $486 $1,596
2016 Chevrolet Silverado 3500HD $326 $564 $500 $1,570
2015 Chevrolet Silverado 3500HD $312 $524 $510 $1,526
2014 Chevrolet Silverado 3500HD $300 $494 $514 $1,488
2013 Chevrolet Silverado 3500HD $288 $442 $520 $1,430
2012 Chevrolet Silverado 3500HD $270 $408 $520 $1,378
2011 Chevrolet Silverado 3500HD $260 $382 $524 $1,346
2010 Chevrolet Silverado 3500HD $254 $356 $534 $1,324
2009 Chevrolet Silverado 3500HD $234 $330 $534 $1,278
2008 Chevrolet Silverado 3500HD $228 $300 $540 $1,248
2007 Chevrolet Silverado 3500HD $212 $274 $534 $1,200

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 Affordable Chevrolet Silverado 3500HD Insurance

Getting lower rates on Chevrolet Silverado 3500HD insurance requires being a good driver, having a positive credit history, being claim-free, and maximizing policy discounts. Comparison shop at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief review of the car insurance concepts covered above.

  • High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,880 more each year than a safer driver
  • You may be able to save as much as $200 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save approximately $675 each year
  • Drivers who require an increased level of liability coverage will pay around $480 per year to increase from a low limit to the 250/500 level

Rates by Driver Age

Chevrolet Silverado 3500HD Insurance Rates by Driver Age
Driver Age Premium
16 $5,976
20 $3,738
30 $1,712
40 $1,634
50 $1,490
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Silverado 3500HD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,082
$250 $1,876
$500 $1,634
$1,000 $1,404

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado 3500HD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,634
50/100 $1,698
100/300 $1,796
250/500 $2,049
100 CSL $1,737
300 CSL $1,952
500 CSL $2,108

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Silverado 3500HD Insurance Rates for High Risk Drivers
Age Premium
16 $8,536
20 $5,940
30 $3,598
40 $3,518
50 $3,350
60 $3,320

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 $223

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $87
Multi-vehicle $83
Homeowner $23
5-yr Accident Free $120
5-yr Claim Free $105
Paid in Full/EFT $75
Advance Quote $80
Online Quote $116
Total Discounts $689
Rate after discounts $945

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

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