Cost of Insuring a Chevrolet Silverado HD 2500 in 2025

• Chevrolet Silverado 2500HD insurance costs $2,632 per year on average, or around $219 per month for full coverage.
• With a cost range of $440, the cheapest Silverado HD 2500 insurance is the WT Regular Cab 4WD at around $2,420 per year, and the most expensive trim being the LTZ Crew Cab 2WD at $2,860 annually.
• Out of 10 vehicles in the heavy duty truck segment, the Silverado 2500HD ranks fourth for insurance affordability.

How much does Silverado 2500HD car insurance cost?

Chevrolet Silverado 2500HD insurance rates average $2,632 yearly, or $219 on a monthly basis. On average, expect to pay about $127 less each year to insure a Chevrolet Silverado HD 2500 when compared to the average rate for all heavy duty trucks, and $356 more per year than the overall national average of $2,276.

The chart below demonstrates average car insurance rates on a 2024 Chevy Silverado 2500HD using different driver ages and policy limits.

The following table shows average full coverage insurance rates for the 2013 to 2024 Silverado 2500 HD models.

Additional observations regarding the cost of insurance for a Silverado HD 2500 include:

• Bring up your credit score and save. A good credit rating over 800 could save $413 per year over a rating of 670-739. Conversely, a credit score lower than 579 could cost as much as $479 more per year.
• Earn discounts to save money. Discounts may be available if you choose electronic billing, drive low annual mileage, drive a vehicle with safety or anti-theft features, insure your home and car with the same company, are a loyal customer, or many other discounts which could save as much as $448 per year.
• Insurance for teenage drivers is expensive. Average rates for full coverage Silverado HD 2500 insurance costs $9,590 per year for a 16-year-old driver, $9,238 per year for a 17-year-old driver, and $8,172 per year for an 18-year-old driver.
• Tickets and violations cost money. In order to get the cheapest Silverado HD 2500 insurance rates, it pays to avoid traffic citations. As few as two minor traffic violations have the ramification of increasing Silverado HD 2500 insurance rates as much as $712 per year. Serious citations like hit-and-run could raise rates by an additional $2,480 or more.
• Increase deductibles to save money. Raising your policy deductibles from $500 to $1,000 could save around $378 per year for a 40-year-old driver and $740 per year for a 20-year-old driver.
• Low deductibles will increase rates. Lowering your policy deductibles from $500 to $250 could cost an additional $398 per year for a 40-year-old driver and $784 per year for a 20-year-old driver.
• As you age, car insurance rates tend to get cheaper. The difference in Chevy Silverado HD 2500 insurance rates between a 60-year-old driver ($2,196 per year) and a 30-year-old driver ($2,798 per year) is $602, or a savings of 24.1%.
• Gender and age are two big factors. For a 2024 Silverado HD 2500, a 20-year-old male driver pays an average price of $5,318 per year, while a 20-year-old female driver pays $3,824, a difference of $1,494 per year in favor of the women by a long shot. But by age 50, the cost for a male driver is $2,344 and female driver rates are $2,280, a difference of only $64.

What is the cheapest Silverado 2500HD insurance?

The trim level with the cheapest insurance rates is the Silverado HD 2500 WT Regular Cab 4WD at around $2,420 per year. The second cheapest trim is the WT Double Cab 4WD also at $2,458 per year, and the third cheapest model to insure is the Custom Double Cab 4WD at $2,492 per year.

The three models with the highest insurance prices are the Silverado 2500HD High Country Crew Cab 4WD, the LTZ Double Cab 2WD, and the LTZ Crew Cab 2WD trim levels at $2,788,  $2,838, and $2,860 per year, respectively.

Rates can vary slightly based on your powertrain, with diesel models costing slightly more to insure than their gas counterparts.

The rate table below shows average Chevrolet Silverado 2500HD car insurance rates, including a monthly budget estimate, for each 2024 model year trim level.

Is Silverado HD 2500 insurance expensive?

When compared to other heavy duty pickup trucks, insurance on a Chevy Silverado HD 2500 costs $68 more per year than the Chevrolet Silverado HD 3500, $252 less than the Ford F250 Super Duty, $272 less than the Ford F350 Super Duty, and $430 less than the Ram Truck 2500.

The Silverado HD 2500 ranks fourth out of 10 total vehicles in the heavy duty truck segment. It costs an average of $2,632 per year to insure and the segment average cost is $2,759 annually, a difference of $127 per year.

The chart below shows how well Chevrolet Silverado 2500HD car insurance rates compare to all the other trucks in the 2024 heavy-duty class.

How much is liability insurance for a Silverado 2500 HD?

Liability-only insurance rates for the Silverado 2500 HD pickup average around $560 a year, but there is significant variability based on driver age, location, and insurance company.

The table below compares average liability-only insurance rates to full coverage rates for the 2000 to 2012 Silverado 2500 HD model years.