2016 Chevrolet Silverado HD 3500 Car Insurance Calculator

Get instant feedback how different driver, vehicle, and coverage options affect the cost of insurance for a 2016 Chevrolet Silverado HD 3500. Adjust factors such as driving record, coverage levels, mileage driven, and vehicle usage. Instantly know whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2016 Chevrolet Silverado HD 3500 is $2,038 per year, or about $170 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,038

Cost Per Month

$170

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Chevrolet Silverado HD 3500 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Chevrolet Silverado HD 3500.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,038
Average Rate
Your Rate
$2,038

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Chevrolet Silverado HD 3500 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Chevrolet Silverado HD 3500 is $2,038.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Chevrolet Silverado HD 3500 Segment Comparison

The table below compares insurance rates for the 2016 Chevrolet Silverado HD 3500 against all other models in the heavy duty truck segment. The Chevrolet Silverado HD 3500 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Chevrolet Silverado HD 3500, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Chevrolet Silverado HD 3500.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Chevrolet Silverado HD 3500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Silverado HD 2500$1,806-$232
2GMC Sierra 2500 HD$1,836-$202
3Nissan Titan XD$1,894-$144
4Ram Truck 2500$1,994-$44
2016 Heavy Duty Truck Average$2,000-$38
5Ford F250 Super Duty$2,004-$34
6Chevrolet Silverado HD 3500$2,038--
7GMC Sierra 3500$2,054$16
8Ford F350 Super Duty$2,074$36
9Ram Truck 3500$2,108$70
10Ford F450 Super Duty$2,188$150

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Silverado HD 3500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Chevrolet Silverado HD 3500.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Chevrolet Silverado HD 3500 Insurance Rates by Trim Level
2016 Chevrolet Silverado HD 3500 Trim Level Annual Premium Cost Per Month
WT Fleetside 2WD$1,866$156
WT Fleetside 4WD$1,904$159
LT Fleetside 2WD$1,946$162
WT Crew Cab 2WD$1,946$162
WT Double Cab 2WD$1,946$162
LT Fleetside 4WD$1,950$163
WT Crew Cab 4WD$1,950$163
WT Double Cab 4WD$1,950$163
LT Crew Cab 2WD$1,994$166
LT Double Cab 2WD$1,994$166
WT Fleetside 2WD Diesel$1,994$166
LT Crew Cab 4WD$2,000$167
LT Double Cab 4WD$2,000$167
LT Fleetside 4WD Diesel$2,000$167
LTZ Double Cab 4WD$2,000$167
WT Crew Cab 4WD Diesel$2,000$167
WT Double Cab 4WD Diesel$2,000$167
WT Fleetside 4WD Diesel$2,000$167
LT Double Cab 4WD Diesel$2,048$171
LTZ Crew Cab 4WD$2,048$171
LT Fleetside 2WD Diesel$2,076$173
LTZ Crew Cab 2WD$2,076$173
LTZ Double Cab 2WD$2,076$173
WT Crew Cab 2WD Diesel$2,076$173
WT Double Cab 2WD Diesel$2,076$173
High Country Crew Cab 4WD$2,098$175
LT Crew Cab 4WD Diesel$2,098$175
LTZ Double Cab 4WD Diesel$2,098$175
High Country Crew Cab 2WD$2,126$177
LT Crew Cab 2WD Diesel$2,126$177
LT Double Cab 2WD Diesel$2,126$177
High Country Crew Cab 4WD Diesel$2,130$178
LTZ Crew Cab 4WD Diesel$2,130$178
LTZ Crew Cab 2WD Diesel$2,172$181
LTZ Double Cab 2WD Diesel$2,172$181
High Country Crew Cab 2WD Diesel$2,220$185

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Chevrolet Silverado HD 3500 for different driver ages.

2016 Chevrolet Silverado HD 3500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,564$630
17$7,275$606
18$6,414$535
19$5,866$489
20$4,451$371
21$4,241$353
22$3,772$314
23$3,115$260
24$2,930$244
25$2,368$197
30$2,166$181
35$2,098$175
40$2,038$170
45$1,914$160
50$1,818$152
55$1,698$142
60$1,702$142
65$1,818$152
70$1,990$166
75$2,382$199
80$2,956$246

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Chevrolet Silverado HD 3500 trim levels.