2023 Chevrolet Silverado HD 3500 Car Insurance Calculator

Learn and understand how the choices you make impact car insurance rates for a 2023 Chevrolet Silverado HD 3500. Make changes to factors like annual miles driven, vehicle usage, and gender of the driver to see how your rate changes. Know immediately how much your choice changes rates and why.

The average estimated car insurance premium for a 2023 Chevrolet Silverado HD 3500 is $2,500 per year, or about $208 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

$2,500

Cost Per Month

$208

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 2023 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.

$2,500
Average Rate
Your Rate
$2,500

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 2023 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 2023 Chevrolet Silverado HD 3500 is $2,500.

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.

2023 Chevrolet Silverado HD 3500 Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Chevrolet Silverado HD 3500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1GMC Sierra 2500 HD$2,326-$174
2GMC Sierra 3500$2,400-$100
3Chevrolet Silverado HD 2500$2,494-$6
4Chevrolet Silverado HD 3500$2,500--
5Nissan Titan XD$2,546$46
6Ram Truck 2500$2,578$78
2023 Heavy Duty Truck Average$2,614$114
7Ford F350 Super Duty$2,716$216
8Ford F250 Super Duty$2,750$250
9Ram Truck 3500$2,790$290
10Ford F450 Super Duty$3,044$544

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.

2023 Silverado HD 3500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Chevrolet Silverado HD 3500 Insurance Rates by Trim Level
2023 Chevrolet Silverado HD 3500 Trim Level Annual Premium Cost Per Month
WT Regular Cab 2WD$2,174$181
WT Double Cab 2WD$2,228$186
WT Crew Cab 2WD$2,260$188
LT Regular Cab 2WD$2,410$201
LT Double Cab 2WD$2,438$203
WT Regular Cab 4WD$2,448$204
LT Crew Cab 2WD$2,452$204
WT Double Cab 4WD$2,496$208
WT Crew Cab 4WD$2,522$210
LTZ Crew Cab 2WD$2,524$210
LT Regular Cab 4WD$2,658$222
LT Double Cab 4WD$2,678$223
LT Crew Cab 4WD$2,698$225
LTZ Crew Cab 4WD$2,766$231
High Country Crew Cab 4WD$2,766$231

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 2023 Chevrolet Silverado HD 3500 for different driver ages.

2023 Chevrolet Silverado HD 3500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,038$753
17$8,728$727
18$7,770$648
19$7,088$591
20$5,411$451
21$5,161$430
22$4,616$385
23$3,801$317
24$3,586$299
25$2,904$242
30$2,662$222
35$2,574$215
40$2,500$208
45$2,342$195
50$2,224$185
55$2,070$173
60$2,076$173
65$2,218$185
70$2,408$201
75$2,850$238
80$3,520$293

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.