Chevy Silverado 1500 vs. 2500: Insurance Cost Compared

• The Chevrolet Silverado HD 2500 edges out the Chevrolet Silverado in our head-to-head insurance cost comparison, saving an average driver $18 per year on auto insurance.
• When compared to the 2024 model year national average insurance rate of $2,512 per year, the Chevrolet Silverado averages 3.1% more per year, while the Chevrolet Silverado HD 2500 costs an average of 2.4% more per year.
• For the 2024 Chevrolet Silverado, average full-coverage insurance rates cost from $2,196 to $3,070 per year, while insurance for the 2024 Chevrolet Silverado HD 2500 ranges from $2,362 to $2,794, depending on the model being insured.

Chevy Silverado 1500 vs. Chevy Silverado 2500

For the 2024 model year, the model having the cheapest rates is the Chevrolet Silverado HD 2500. Insurance on the Chevrolet Silverado averages $2,590 per year, while insurance for a Chevrolet Silverado HD 2500 costs an average of $2,572 per year.

For the 27 trim levels available for the 2024 Chevrolet Silverado, the cheapest trim level to insure is the EV WT trim at an average cost of $2,196 per year.

For the 22 trim levels available for the Chevrolet Silverado HD 2500, the cheapest 2024 trim level to insure is the WT Regular Cab 4WD trim at a cost of $2,362.

When rates are compared for the 49 trim levels of both 2024 models, the most affordable model and trim level is the Chevrolet Silverado EV WT at an average cost of $2,196 per year, and the overall most expensive vehicle to insure is the Chevrolet Silverado EV RST First Edition at a cost of $3,070 per year.

The next table compares and ranks the yearly and monthly cost of car insurance for 2024 Chevrolet Silverado and Chevrolet Silverado HD 2500 models, broken down by individual trim level.

The next chart displays the average cost to insure both models rated for different driver ages. The average car insurance cost ranges from $2,302 to $5,258 per year for a 2024 Chevrolet Silverado, and $2,290 to $5,190 for a 2024 Chevrolet Silverado HD 2500 for the example age groups.

The next two tables show average cost to insure each trim level for a 2024 Chevrolet Silverado and Chevrolet Silverado HD 2500, as well as an average rate for each model. The 2024 Chevrolet Silverado HD 2500 comes out with a win over the 2024 Chevrolet Silverado for the cheapest overall car insurance rates.

2023 Chevrolet Silverado vs. Chevrolet Silverado HD 2500

Insurance on a 2023 Chevrolet Silverado costs an average of $2,474 per year, and a 2023 Chevrolet Silverado HD 2500 averages $2,494 per year, making the Chevrolet Silverado the model with lower average insurance cost.

For a 2023 Chevrolet Silverado, average insurance rates range from $2,210 per year for the WT Regular Cab 4WD model up to the most expensive rate of $2,746 for the ZR2 Crew Cab 4WD model.

For the 2023 Chevrolet Silverado HD 2500, rates range from $2,274 per year on the WT Regular Cab 4WD model up to $2,734 on the most expensive to insure LTZ Crew Cab 2WD model.

The rate table below compares and ranks the annual and monthly cost of insurance for 2023 Chevrolet Silverado and Chevrolet Silverado HD 2500 models, with the average cost for each trim level.

The rate chart below illustrates the average insurance cost for the two models for the 20, 30, 40, and 50-year-old driver age groups. The average insurance cost ranges from $2,202 to $5,034 per year on the 2023 Chevrolet Silverado, and $2,222 to $5,042 for a 2023 Chevrolet Silverado HD 2500 for the five driver age examples in the chart.

A 2023 Chevrolet Silverado has 20 trims available, with the most affordable trim to insure being the WT Regular Cab 4WD model at an average cost of $2,210 per year, or about $184 per month.

For the 21 trim options available for the Chevrolet Silverado HD 2500, the lowest-cost 2023 model to insure is the WT Regular Cab 4WD trim at a cost of $2,274.

When comparing both models combined at a trim-level basis, the cheapest trim to insure is the Chevrolet Silverado WT Regular Cab 4WD at an average rate of $2,210 per year. The most expensive model and trim level is the Chevrolet Silverado ZR2 Crew Cab 4WD at a cost of $2,746 per year.

The rate tables below display all the available trims for both 2023 models, including the average rate for each model. The 2023 Chevrolet Silverado can declare victory over the 2023 Chevrolet Silverado HD 2500 for the cheapest overall insurance cost.

2022 Silverado 1500 vs. Silverado 2500

When comparing insurance rates for 2022 models, the Chevrolet Silverado costs $2,296 per year to insure and the Chevrolet Silverado HD 2500 costs $2,552, making the Chevrolet Silverado the cheaper model to insure by $256 for 2022.

The rate chart below shows the average insurance cost for both 2022 models with different drivers at the wheel. For a 2022 Chevrolet Silverado, average insurance cost ranges from $2,038 to $4,686 per year for the five driver age examples in the chart. A full-coverage policy for a 2022 Chevrolet Silverado HD 2500 ranges from $2,280 to $5,182 on average per year.

For the 19 trims available for a 2022 Chevrolet Silverado, the cheapest trim level to insure is the WT Regular Cab 4WD trim at an average cost of $2,024 per year, or about $169 per month.

Out of the 21 trim options available for a Chevrolet Silverado HD 2500, the most affordable 2022 trim to insure is the WT Regular Cab 4WD model at a cost of $2,324.

When comparing insurance rates for both models by trim level, the cheapest trim to put coverage on is the Chevrolet Silverado WT Regular Cab 4WD at an average cost of $2,024 per year, and the overall most expensive vehicle to insure is the Chevrolet Silverado HD 2500 LTZ Crew Cab 2WD costing $2,796 per year.

The tables below detail the average cost to insure all 2022 trim levels, as well as the overall average rate for each model. The model with the cheapest auto insurance rates for 2022 is the Chevrolet Silverado.

2021 Silverado 1500 vs. Silverado 2500

For 2021 Chevrolet Silverado and Chevrolet Silverado HD 2500 models, the Chevrolet Silverado has lower-cost insurance by $164 per year for this comparison year.

The chart shown below displays the average insurance cost for both models with different ages of drivers. Average full-coverage insurance ranges from $2,042 to $4,684 per year for a 2021 Chevrolet Silverado, and $2,198 to $4,998 on a 2021 Chevrolet Silverado HD 2500.

Out of 28 Chevrolet Silverado trim levels, the lowest-cost 2021 trim level to insure is the WT Regular Cab 4WD model at an average cost of $2,028 per year.

For the 19 trim levels available for a Chevrolet Silverado HD 2500, the most affordable 2021 trim level to insure is the WT Double Cab 4WD model at a cost of $2,298.

When comparing insurance rates for both models by trim level, the cheapest vehicle to buy insurance for is the Chevrolet Silverado WT Regular Cab 4WD at an average rate of $2,028 per year, and the most expensive model and trim level is the Chevrolet Silverado HD 2500 LTZ Crew Cab 2WD at an average cost of $2,704 per year.

The next tables illustrate all the available trims for both 2021 models, including the average rate for each model.

2020 Silverado 1500 vs. Silverado 2500

A 2020 Chevrolet Silverado is $164 cheaper to insure per year on average than a 2020 Chevrolet Silverado HD 2500, a difference of 7.1%.

The next chart visualizes the average cost to insure both 2020 models with different driver age groups. A full-coverage insurance policy ranges from $1,984 to $4,550 per year for a 2020 Chevrolet Silverado, and $2,142 to $4,866 for a 2020 Chevrolet Silverado HD 2500 for the age groups used in the chart.

Out of 28 Chevrolet Silverado trims, the most affordable 2020 trim to insure is the WT Regular Cab 4WD trim at an average cost of $1,970 per year, or about $164 per month. A 2020 Chevrolet Silverado HD 2500 has 19 different trim levels available, with the most affordable trim to insure being the WT Double Cab 4WD trim at an average cost of $2,234 per year, or around $186 per month.

When looking at the combined rates by trim level for both models, the overall cheapest vehicle to put coverage on is the Chevrolet Silverado WT Regular Cab 4WD at a cost of $1,970 per year. The most expensive model and trim level is the Chevrolet Silverado HD 2500 LTZ Crew Cab 2WD at an average of $2,634 per year.

The next two tables show the average insurance rate by trim level for a 2020 Chevrolet Silverado and Chevrolet Silverado HD 2500, plus the average rate for each model. The winner for the 2020 insurance cost comparison is the Chevrolet Silverado.

2019 Silverado 1500 vs. Silverado 2500

When comparing average insurance rates for the 2019 Chevrolet Silverado and Chevrolet Silverado HD 2500 models, the Chevrolet Silverado has cheaper rates by an average of $88 per year.

The following chart illustrates the average cost to insure both models using different driver ages. For the 2019 Chevrolet Silverado, the average insurance cost ranges from $1,894 to $4,340 per year for the age groups used in this illustration. Insurance on the 2019 Chevrolet Silverado HD 2500 ranges from $1,982 to $4,518 on average per year.

Out of 28 trims for a 2019 Chevrolet Silverado, the lowest-cost insurance prices are on the Double Cab 4WD model at a cost of $1,988 per year, or $166 per month. A 2019 Chevrolet Silverado HD 2500 has 50 option levels available, with the most affordable trim to insure being the LT Regular Cab 4WD trim at an average cost of $2,052 per year, or $171 per month.

When insurance prices for all 78 trim levels for the 2019 model year of both models are compared, the lowest-cost model and trim level to insure is the Chevrolet Silverado Double Cab 4WD at an average rate of $1,988 per year. The most expensive vehicle to insure is the Chevrolet Silverado HD 2500 High Country Texas Edition Crew Cab 2WD Diesel at a cost of $2,456 per year.

The tables below show average insurance rates for each trim level, including an overall average cost for each model. The cheapest of the two models to insure for the 2019 model year is the Chevrolet Silverado.

2018 Silverado 1500 vs. Silverado 2500

When comparing insurance rates for 2018 models, the Chevrolet Silverado costs an average of $2,020 per year for full coverage and the Chevrolet Silverado HD 2500 costs $2,180, making the Chevrolet Silverado the winner by $160 for the 2018 comparison year.

The rate chart below illustrates the average insurance cost for the two models with different ages of drivers. The average insurance cost ranges from $1,800 to $4,116 per year for the 2018 Chevrolet Silverado, and $1,950 to $4,438 for the 2018 Chevrolet Silverado HD 2500 for the sample drivers in the chart.

For the 32 trim levels available for a 2018 Chevrolet Silverado, the cheapest trim to insure is the WT Regular Cab 4WD model at an average cost of $1,848 per year, or about $154 per month. For the 86 trim options available for the Chevrolet Silverado HD 2500, the cheapest 2018 model to insure is the WT Double Cab 4WD trim at a cost of $1,968.

When comparing insurance rates for both models by trim level, the lowest-cost model and trim to put coverage on is the Chevrolet Silverado WT Regular Cab 4WD at an average of $1,848 per year, and the highest-cost model and trim level is the Chevrolet Silverado HD 2500 High Country Texas Edition Crew Cab 2WD Diesel at a cost of $2,416 per year.

The two tables below display the expected annual insurance cost by trim level for both 2018 models, as well as the overall average rate for each model. The cheapest model to insure for the 2018 model year is the Chevrolet Silverado.

2017 Silverado 1500 vs. Silverado 2500

For 2017 Chevrolet Silverado and Chevrolet Silverado HD 2500 models, the Chevrolet Silverado is cheaper to insure by $176 per year for this comparison year.

The chart below visualizes the average insurance cost for both models for drivers from ages 20 to 50. The average cost of insurance ranges from $1,720 to $3,924 per year for the 2017 Chevrolet Silverado, and $1,886 to $4,278 for the 2017 Chevrolet Silverado HD 2500 for the example age groups.

A 2017 Chevrolet Silverado has 30 trim levels available, with the cheapest model to insure being the LS Regular Cab 4WD trim at an average cost of $1,782 per year, or about $149 per month.

For the 86 different option levels available for the Chevrolet Silverado HD 2500, the most affordable 2017 trim level to insure is the WT Double Cab 4WD trim at a cost of $1,900 per year, or about $158 per month.

When rates for all 116 trims of both models are combined and sorted by cost, the cheapest trim to buy insurance for is the Chevrolet Silverado LS Regular Cab 4WD at a cost of $1,782 per year. The most expensive model and trim level is the Chevrolet Silverado HD 2500 High Country Texas Edition Crew Cab 2WD Diesel at an average of $2,332 per year.

The tables below detail both 2017 models and all trim levels available for each one, along with the average rate for each model.

2016 Silverado 1500 vs. Silverado 2500

When comparing insurance cost for the 2016 Chevrolet Silverado and Chevrolet Silverado HD 2500 models, the Chevrolet Silverado HD 2500 is cheaper to insure by $60 per year.

The chart below shows the average cost to insure both models for drivers aged 20 to 50. The average cost of full-coverage insurance ranges from $1,664 to $3,780 per year on a 2016 Chevrolet Silverado, and $1,614 to $3,644 on a 2016 Chevrolet Silverado HD 2500 for the five driver ages sampled in the chart.

Out of 30 trim levels for the 2016 Chevrolet Silverado, the cheapest auto insurance rates are on the LS Regular Cab 4WD model at a cost of $1,718 per year.

For the 36 option levels available for a Chevrolet Silverado HD 2500, the cheapest 2016 trim to insure is the WT Fleetside 2WD trim at a cost of $1,624 per year, or $135 per month.

When insurance rates for all 66 trims of both models are combined and sorted by cost, the cheapest trim to buy insurance for is the Chevrolet Silverado HD 2500 WT Fleetside 2WD at an average cost of $1,624 per year, and the most expensive model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD at a cost of $2,042 per year.

The next two rate tables show average car insurance rates for every trim level for both 2016 models, including an overall average cost for each model.

2015 Silverado 1500 vs. Silverado 2500

When comparing insurance rates for 2015 models, a Chevrolet Silverado costs an average of $1,728 per year to insure while a Chevrolet Silverado HD 2500 costs $1,816, making the Chevrolet Silverado cheaper to insure by $88 per year.

The following chart illustrates the average car insurance cost for both 2015 models for the 20, 30, 40, and 50-year-old driver age groups. For the 2015 Chevrolet Silverado, the average cost of car insurance ranges from $1,548 to $3,498 per year for the five driver age examples in the chart. Insurance on a 2015 Chevrolet Silverado HD 2500 ranges from $1,630 to $3,680 on average per year.

Out of 25 Chevrolet Silverado trim levels, the lowest-cost 2015 trim level to insure is the LS Regular Cab 4WD model at an average cost of $1,530 per year, or about $128 per month. The 2015 Chevrolet Silverado HD 2500 has 36 different trims available, with the most affordable model to insure being the WT Fleetside 4WD trim at an average cost of $1,604 per year.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim level to buy insurance for is the Chevrolet Silverado LS Regular Cab 4WD at a cost of $1,530 per year. The most expensive model and trim level is the Chevrolet Silverado HD 2500 High Country Crew Cab 2WD Diesel costing an average of $2,054 per year.

The next two rate tables display both 2015 models and all trim levels available for each one, along with an average cost for each model.

Additional Chevrolet Silverado and Chevrolet Silverado HD 2500 Resources

• Chevrolet Silverado Insurance Cost
• Chevrolet Silverado HD 2500 Insurance Cost
• Large Truck Insurance Cost Comparisons
• Heavy-Duty Truck Insurance Cost Comparisons