Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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

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Are you looking for a new or used Chevrolet Silverado 2500HD? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Chevrolet Silverado 2500HD car insurance facts

  • Average full coverage auto insurance premium: $120/month

  • Most affordable companies: Auto-Owners ($82/month) & GEICO ($86/month)

  • Silverado 2500HD car insurance cost vs. average rates: $42 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Chevy Silverado 2500HD by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

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

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Below average Chevrolet Silverado 2500HD insurer costs by state:

Risk factors affecting Chevrolet Silverado 2500HD car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Chevy Silverado 2500HD car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Chevrolet models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Chevrolet automobile brand

Chevrolet or referred to as Chevy, is a vehicle brand of General Motors specializing in popular, affordable cars for the United States market. The target market of Chevy is middle-class customers and the more affluent for higher-end models such as Cadillac. Chevrolet focuses on high quality, advanced technology, creative designs, and affordability. All Chevrolet automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Chevrolet Corvette, Tahoe, Silverado, and Suburban are some of their most popular vehicles.

Higher than average Chevy Silverado 2500HD repair costs equal higher car insurance rates

Many consumers are attracted to Chevrolet’s creative designs, increased fuel efficiency, and driver-assist technologies, like Chevy’s Enhanced Driver Alert Package. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Chevrolet is higher than average since repair parts are slightly more expensive. For this reason, many Chevrolets are going to have higher than average car insurance rates to similar cars in their class.

Rapid depreciation for Chevrolet Silverado 2500HD affecting auto policies

Another factor to consider for Chevrolets is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Chevy models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Chevrolets are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as the Driver Alert Technology Package, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Chevrolet models. The Chevrolet Equinox, Cruze, and Bolt EV are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Chevy automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Chevrolet automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1891
Acuity$2016
Allstate$1635
American Family$1342
Auto-Owners$989
Erie$1056
GEICO$1033
Kentucky Farm Bureau$1784
Liberty Mutual$1249
Mercury$1529
Nationwide$1739
State Farm$1587
Tennessee Farmers$1411
Texas Farm Bureau$1530
The Hanover$1836
Travelers$1720
USAA$1136

Compare all 2021 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$1435

List Price

$34900

Trims Available

Work Truck - LT - LTZ - High Country - Base Engine: gas-powered 6.6-liter V-8 that makes 401 horsepower with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2020 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1882
Allstate$1630
American Family$1340
Auto-Owners$976
Erie$1054
Farmers$1739
GEICO$1025
Liberty Mutual$1240
Mercury$1520
Nationwide$1732
State Farm$1586
Tennessee Farmers$1410
Texas Farm Bureau$1189
The Hanover$1830
Travelers$1716
USAA$1131

Compare all 2020 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$1359

List Price

$35695

Trims Available

Work Truck - LT - LTZ - High Country - Base Engine: gas-powered 6.6-liter V-8 that makes 401 horsepower with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2019 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1690
Allstate$1246
American Family$1035
Auto-Owners$926
Erie$980
GEICO$944
Kentucky Farm Bureau$1429
Liberty Mutual$1012
Mercury$1102
Nationwide$1359
State Farm$1126
Tennessee Farmers$1065
Texas Farm Bureau$1131
The Hanover$1548
Travelers$1280
USAA$1002

Compare all 2019 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$1156

List Price

$34600

Trims Available

Work Truck - LT - LTZ - High Country - Base Engine: gas-powered 6.6-liter V-8 that makes 401 horsepower with Chevy Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2018 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1018
Acuity$ 1018
Allied$ 1019
Allied$ 1019
American Family$ 950
American Family$ 950
Country$ 921
Country$ 921
Erie$ 661
Erie$ 661
GEICO$ 525
GEICO$ 525
Nationwide$ 870
Nationwide$ 870
Progressive$ 745
Progressive$ 745
State Farm$ 697
State Farm$ 697
Tennessee Farmers$ 995
Tennessee Farmers$ 995
USAA$ 746
USAA$ 746
Vermont Mutual$ 977
Vermont Mutual$ 977

Compare all 2018 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$ 846

List Price

$ 34400

Trims Available

Work Truck - LT - LTZ - High Country

2017 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1021
Acuity$ 1021
Allied$ 1092
Allied$ 1092
American Family$ 966
American Family$ 966
Country$ 941
Country$ 941
Erie$ 642
Erie$ 642
GEICO$ 505
GEICO$ 505
Nationwide$ 915
Nationwide$ 915
Progressive$ 771
Progressive$ 771
State Farm$ 683
State Farm$ 683
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 722
USAA$ 722
Vermont Mutual$ 931
Vermont Mutual$ 931

Compare all 2017 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$ 888

List Price

$ 33610

Trims Available

Work Truck - LT - LTZ - High Country

2016 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1020
Acuity$ 1020
American Family$ 964
American Family$ 964
Country$ 954
Country$ 954
Erie$ 624
Erie$ 624
GEICO$ 504
GEICO$ 504
Nationwide$ 956
Nationwide$ 956
Plymouth Rock Insurance$ 1086
Plymouth Rock Insurance$ 1086
Progressive$ 819
Progressive$ 819
State Farm$ 685
State Farm$ 685
Texas Farm Bureau$ 813
Texas Farm Bureau$ 813
USAA$ 747
USAA$ 747
Vermont Mutual$ 909
Vermont Mutual$ 909

Compare all 2016 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$ 905

List Price

$ 32955

Trims Available

Work Truck - LT - LTZ - High Country

2015 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 895
Acuity$ 895
American Family$ 861
American Family$ 861
Country$ 837
Country$ 837
Erie$ 606
Erie$ 606
GEICO$ 433
GEICO$ 433
Nationwide$ 897
Nationwide$ 897
Progressive$ 762
Progressive$ 762
State Farm$ 595
State Farm$ 595
Tennessee Farmers$ 743
Tennessee Farmers$ 743
Texas Farm Bureau$ 642
Texas Farm Bureau$ 642
USAA$ 709
USAA$ 709
Vermont Mutual$ 804
Vermont Mutual$ 804

Compare all 2015 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$ 805

List Price

$ 32280

Trims Available

Work Truck - LT - LTZ - High Country

2014 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 919
Acuity$ 919
American Family$ 880
American Family$ 880
Country$ 898
Country$ 898
Erie$ 589
Erie$ 589
GEICO$ 472
GEICO$ 472
Nationwide$ 917
Nationwide$ 917
Progressive$ 787
Progressive$ 787
State Farm$ 633
State Farm$ 633
Tennessee Farmers$ 779
Tennessee Farmers$ 779
Texas Farm Bureau$ 839
Texas Farm Bureau$ 839
USAA$ 699
USAA$ 699
Vermont Mutual$ 815
Vermont Mutual$ 815

Compare all 2014 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$ 835

List Price

$ 31310

Trims Available

Work Truck - LT - LTZ

2013 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 844
Acuity$ 844
American Family$ 841
American Family$ 841
Country$ 808
Country$ 808
Erie$ 573
Erie$ 573
GEICO$ 435
GEICO$ 435
Nationwide$ 834
Nationwide$ 834
Progressive$ 663
Progressive$ 663
State Farm$ 558
State Farm$ 558
Tennessee Farmers$ 722
Tennessee Farmers$ 722
Texas Farm Bureau$ 752
Texas Farm Bureau$ 752
USAA$ 647
USAA$ 647
Vermont Mutual$ 749
Vermont Mutual$ 749

Compare all 2013 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$ 741

List Price

$ 29550

Trims Available

Work Truck - LT - LTZ

2012 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 806
Acuity$ 806
American Family$ 834
American Family$ 834
Country$ 780
Country$ 780
Erie$ 557
Erie$ 557
GEICO$ 421
GEICO$ 421
Nationwide$ 803
Nationwide$ 803
Progressive$ 664
Progressive$ 664
State Farm$ 531
State Farm$ 531
Tennessee Farmers$ 706
Tennessee Farmers$ 706
Texas Farm Bureau$ 734
Texas Farm Bureau$ 734
USAA$ 603
USAA$ 603
Vermont Mutual$ 701
Vermont Mutual$ 701

Compare all 2012 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$ 721

List Price

$ 28800

Trims Available

Work Truck - LT - LTZ

2011 Chevrolet Silverado 2500HD

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 897
Allstate$ 897
American Family$ 811
American Family$ 811
Country$ 764
Country$ 764
Erie$ 542
Erie$ 542
GEICO$ 422
GEICO$ 422
Nationwide$ 782
Nationwide$ 782
Progressive$ 643
Progressive$ 643
State Farm$ 529
State Farm$ 529
Tennessee Farmers$ 709
Tennessee Farmers$ 709
Texas Farm Bureau$ 636
Texas Farm Bureau$ 636
USAA$ 579
USAA$ 579
Vermont Mutual$ 685
Vermont Mutual$ 685

Compare all 2011 Chevrolet Silverado 2500HD rates

Average Cost to Insure Per Year

$ 709

List Price

$ 28415

Trims Available

Work Truck - LT - LTZ