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 3500HD? 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 3500HD car insurance facts

  • Average full coverage auto insurance premium: $133/month

  • Most affordable companies: USAA ($86/month) & GEICO ($90/month)

  • Silverado 3500HD car insurance cost vs. average rates: $37 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Chevy Silverado 3500HD 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 3500HD insurer costs by state:

Risk factors affecting Chevrolet Silverado 3500HD 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 3500HD 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 3500HD 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 3500HD 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 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1736
Acuity$1825
Allstate$1562
American Family$1306
Erie$1091
GEICO$1067
Kentucky Farm Bureau$1613
Liberty Mutual$1248
Mercury$1430
Nationwide$1602
Progressive$1129
State Farm$1498
Tennessee Farmers$1354
Texas Farm Bureau$1457
The Hanover$1681
Travelers$1588
USAA$1034

Compare all 2021 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$1592

List Price

$36500

Trims Available

Work Truck - LT - LTZ - High Country - Engine: 6.6-liter gas V-8 with 401 hp and 464 lb-ft of torque or 6.6-liter turbodiesel V-8 rated at 445 hp 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 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1730
Allstate$1527
American Family$1206
Erie$1038
Farmers$1568
GEICO$1018
Liberty Mutual$1146
Mercury$1289
Nationwide$1561
Progressive$1049
State Farm$1469
Tennessee Farmers$1235
Texas Farm Bureau$1351
The Hanover$1644
Travelers$1530
USAA$984

Compare all 2020 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$1536

List Price

$35800

Trims Available

Work Truck - LT - LTZ - High Country - Engine: 6.6-liter gas V-8 with 401 hp and 464 lb-ft of torque or 6.6-liter turbodiesel V-8 rated at 445 hp 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 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1726
Allstate$1412
American Family$1149
Erie$1035
GEICO$1005
Kentucky Farm Bureau$1597
Liberty Mutual$1136
Mercury$1287
Nationwide$1459
Progressive$1046
State Farm$1354
Tennessee Farmers$1231
Texas Farm Bureau$1329
The Hanover$1635
Travelers$1436
USAA$950

Compare all 2019 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$1529

List Price

$40300

Trims Available

Work Truck - LT - LTZ - High Country - Engine: 6.6-liter gas V-8 with 401 hp and 464 lb-ft of torque or 6.6-liter turbodiesel V-8 rated at 445 hp 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 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 998
Acuity$ 998
American Family$ 1017
American Family$ 1017
Country$ 890
Country$ 890
Erie$ 641
Erie$ 641
GEICO$ 490
GEICO$ 490
Nationwide$ 896
Nationwide$ 896
Progressive$ 731
Progressive$ 731
Safeco$ 945
Safeco$ 945
State Farm$ 690
State Farm$ 690
Tennessee Farmers$ 872
Tennessee Farmers$ 872
USAA$ 730
USAA$ 730
Vermont Mutual$ 964
Vermont Mutual$ 964

Compare all 2018 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$ 829

List Price

$ 35500

Trims Available

Work Truck - LT - LTZ - High Country

2017 Chevrolet Silverado 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 979
Acuity$ 979
Country$ 874
Country$ 874
Erie$ 638
Erie$ 638
GEICO$ 568
GEICO$ 568
Nationwide$ 923
Nationwide$ 923
Progressive$ 686
Progressive$ 686
Safeco$ 1003
Safeco$ 1003
State Farm$ 694
State Farm$ 694
Tennessee Farmers$ 861
Tennessee Farmers$ 861
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 727
USAA$ 727
Vermont Mutual$ 916
Vermont Mutual$ 916

Compare all 2017 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$ 877

List Price

$ 34710

Trims Available

Work Truck - LT - LTZ - High Country

2016 Chevrolet Silverado 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 930
Acuity$ 930
American Family$ 962
American Family$ 962
Country$ 820
Country$ 820
Erie$ 620
Erie$ 620
GEICO$ 509
GEICO$ 509
Nationwide$ 915
Nationwide$ 915
Progressive$ 679
Progressive$ 679
State Farm$ 637
State Farm$ 637
Tennessee Farmers$ 849
Tennessee Farmers$ 849
Texas Farm Bureau$ 785
Texas Farm Bureau$ 785
USAA$ 717
USAA$ 717
Vermont Mutual$ 828
Vermont Mutual$ 828

Compare all 2016 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$ 822

List Price

$ 34055

Trims Available

Work Truck - LT - LTZ - High Country

2015 Chevrolet Silverado 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 861
Acuity$ 861
Country$ 763
Country$ 763
Erie$ 483
Erie$ 483
GEICO$ 484
GEICO$ 484
Nationwide$ 843
Nationwide$ 843
Progressive$ 661
Progressive$ 661
Safeco$ 852
Safeco$ 852
State Farm$ 582
State Farm$ 582
Tennessee Farmers$ 717
Tennessee Farmers$ 717
Texas Farm Bureau$ 788
Texas Farm Bureau$ 788
USAA$ 707
USAA$ 707
Vermont Mutual$ 760
Vermont Mutual$ 760

Compare all 2015 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$ 766

List Price

$ 33380

Trims Available

Work Truck - LT - LTZ - High Country

2014 Chevrolet Silverado 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 904
Acuity$ 904
American Family$ 927
American Family$ 927
Country$ 872
Country$ 872
Erie$ 589
Erie$ 589
GEICO$ 502
GEICO$ 502
Nationwide$ 914
Nationwide$ 914
Progressive$ 745
Progressive$ 745
State Farm$ 624
State Farm$ 624
Tennessee Farmers$ 764
Tennessee Farmers$ 764
Texas Farm Bureau$ 758
Texas Farm Bureau$ 758
USAA$ 737
USAA$ 737
Vermont Mutual$ 802
Vermont Mutual$ 802

Compare all 2014 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$ 830

List Price

$ 32805

Trims Available

Work Truck - LT - LTZ

2013 Chevrolet Silverado 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 866
Acuity$ 866
American Family$ 886
American Family$ 886
Country$ 801
Country$ 801
Erie$ 573
Erie$ 573
GEICO$ 481
GEICO$ 481
Nationwide$ 859
Nationwide$ 859
Progressive$ 722
Progressive$ 722
State Farm$ 590
State Farm$ 590
Tennessee Farmers$ 746
Tennessee Farmers$ 746
Texas Farm Bureau$ 766
Texas Farm Bureau$ 766
USAA$ 733
USAA$ 733
Vermont Mutual$ 778
Vermont Mutual$ 778

Compare all 2013 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$ 784

List Price

$ 31045

Trims Available

Work Truck - LT - LTZ

2012 Chevrolet Silverado 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 817
Acuity$ 817
American Family$ 845
American Family$ 845
Country$ 773
Country$ 773
Erie$ 557
Erie$ 557
GEICO$ 466
GEICO$ 466
Nationwide$ 826
Nationwide$ 826
Progressive$ 710
Progressive$ 710
State Farm$ 561
State Farm$ 561
Tennessee Farmers$ 722
Tennessee Farmers$ 722
Texas Farm Bureau$ 748
Texas Farm Bureau$ 748
USAA$ 665
USAA$ 665
Vermont Mutual$ 726
Vermont Mutual$ 726

Compare all 2012 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$ 759

List Price

$ 30160

Trims Available

Work Truck - LT - LTZ

2011 Chevrolet Silverado 3500HD

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 855
American Family$ 855
Arbella$ 911
Arbella$ 911
Country$ 787
Country$ 787
Erie$ 542
Erie$ 542
GEICO$ 465
GEICO$ 465
Nationwide$ 823
Nationwide$ 823
Progressive$ 709
Progressive$ 709
State Farm$ 543
State Farm$ 543
Tennessee Farmers$ 717
Tennessee Farmers$ 717
Texas Farm Bureau$ 724
Texas Farm Bureau$ 724
USAA$ 637
USAA$ 637
Vermont Mutual$ 696
Vermont Mutual$ 696

Compare all 2011 Chevrolet Silverado 3500HD rates

Average Cost to Insure Per Year

$ 756

List Price

$ 29255

Trims Available

Work Truck - LT - LTZ