Chevrolet Silverado 3500HD Insurance Rates
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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.
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$120|
|5-yr Claim Free||$105|
|Paid in Full/EFT||$75|
Discounts are estimated and may not be available from every company or in every state.