- Chevrolet Silverado 3500HD insurance costs an average of $2,564 per year, $1,282 for a 6-month policy, or around $214 per month.
- Out of 10 models in the 2024 heavy duty truck segment, the Silverado HD 3500 ranks third for insurance cost.
- The cheapest trim level to insure is the WT Regular Cab 2WD at $2,288 per year, or about $191 per month.
How much does Chevy Silverado 3500 HD insurance cost?
Ranked third out of 10 vehicles in the heavy duty truck class, Silverado HD 3500 insurance rates average $2,564 annually, or $214 monthly. With the average heavy duty truck costing $2,759 a year to insure, the Chevrolet Silverado HD 3500 would save around $195 or more each year.
The chart below demonstrates how Chevrolet Silverado 3500HD car insurance prices change based on the age of the driver and the policy deductibles.
The rates shown are per year, and range from the cheapest rate of $1,822 per year for a driver age 60 with high physical damage deductibles to the highest rate of $5,968 each year for a driver age 20 with $250 comprehensive and collision deductibles.
The data below illustrates average insurance rates for a Chevy Silverado 3500HD from the 2013 to the 2024 model years for five different age groups.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Chevrolet Silverado HD 3500 | $5,174 | $2,564 | $2,134 |
| 2023 Chevrolet Silverado HD 3500 | $5,178 | $2,562 | $2,132 |
| 2022 Chevrolet Silverado HD 3500 | $4,832 | $2,386 | $1,988 |
| 2021 Chevrolet Silverado HD 3500 | $4,894 | $2,408 | $2,004 |
| 2020 Chevrolet Silverado HD 3500 | $4,752 | $2,338 | $1,946 |
| 2019 Chevrolet Silverado HD 3500 | $4,640 | $2,266 | $1,882 |
| 2018 Chevrolet Silverado HD 3500 | $4,426 | $2,166 | $1,802 |
| 2017 Chevrolet Silverado HD 3500 | $4,264 | $2,086 | $1,738 |
| 2016 Chevrolet Silverado HD 3500 | $4,262 | $2,088 | $1,746 |
| 2015 Chevrolet Silverado HD 3500 | $3,874 | $1,906 | $1,590 |
| 2014 Chevrolet Silverado HD 3500 | $3,492 | $1,732 | $1,446 |
| 2013 Chevrolet Silverado HD 3500 | $3,862 | $1,914 | $1,606 |
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 Chevrolet Silverado HD 3500 trim levels for each model year. Updated October 24, 2025
The next table details average insurance rates for both annual and 6-month policy terms, plus a monthly budget amount, for each 2024 Silverado 3500HD package and trim level.
| 2024 Chevrolet Silverado HD 3500 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| WT Regular Cab 2WD | $2,288 | $191 |
| WT Double Cab 2WD | $2,322 | $194 |
| WT Crew Cab 2WD | $2,360 | $197 |
| LT Regular Cab 2WD | $2,366 | $197 |
| LT Double Cab 2WD | $2,402 | $200 |
| LT Crew Cab 2WD | $2,430 | $203 |
| LTZ Crew Cab 2WD | $2,532 | $211 |
| WT Double Cab 4WD | $2,604 | $217 |
| WT Crew Cab 4WD | $2,626 | $219 |
| LT Double Cab 4WD | $2,668 | $222 |
| LT Crew Cab 4WD | $2,698 | $225 |
| WT Regular Cab 4WD | $2,740 | $228 |
| LT Regular Cab 4WD | $2,770 | $231 |
| LTZ Crew Cab 4WD | $2,784 | $232 |
| High Country Crew Cab 4WD | $2,878 | $240 |
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. Updated October 24, 2025
Supplementary rates and insights
Some other noteworthy insights about Chevrolet Silverado HD 3500 insurance rates include:
- Bring up your credit score and save. Having a good credit rating over 800 could save up to $403 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost around $467 more per year.
- Driver gender affects car insurance rates. For a 2024 Chevrolet Silverado HD 3500, a 20-year-old male receives an average rate of $5,174 per year, while a 20-year-old female will pay $3,716, a difference of $1,458 per year in the women’s favor by a large margin. But by age 50, male driver rates are $2,278 and the cost for female drivers is $2,218, a difference of only $60.
- Chevrolet Silverado 3500HD insurance for teen drivers is expensive. Average rates for full coverage Silverado HD 3500 insurance costs $9,254 per year for a 16-year-old driver, $8,933 per year for a 17-year-old driver, $7,948 per year for an 18-year-old driver, and $7,255 per year for a 19-year-old driver.
- Car insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $384 per year for a 40-year-old driver and $754 per year for a 20-year-old driver.
- Low physical damage deductibles increase policy cost. Decreasing your deductibles from $500 to $250 could cost an additional $404 per year for a 40-year-old driver and $794 per year for a 20-year-old driver.
- Getting older means more affordable car insurance rates. The difference in Chevrolet Silverado HD 3500 insurance cost between a 60-year-old driver ($2,134 per year) and a 30-year-old driver ($2,732 per year) is $598, or a savings of 24.6%.
- Qualify for policy discounts to save money. Discounts may be available if the insureds are accident-free, are good students, are homeowners, are military or federal employees, or many other policy discounts which could save the average driver as much as $438 per year on their insurance cost.
- A clean driving record saves money. To get the most affordable Silverado HD 3500 insurance rates, it pays to obey traffic laws. As a matter of fact, just one or two minor infractions on your driving record could result in spiking rates as much as $688 per year.
How does Silverado 3500HD insurance cost rank?
The Chevy Silverado HD 3500 ranks third out of 10 total comparison vehicles in the heavy duty truck segment for most affordable car insurance rates. The Silverado HD 3500 costs an average of $2,564 per year for full coverage insurance and the category average price is $2,759 annually, a difference of $195 per year.
When average rates are compared to random models in the heavy duty truck segment, car insurance prices for a Chevrolet Silverado HD 3500 cost $68 less per year than the Chevrolet Silverado HD 2500, $320 less than the Ford F250 Super Duty, and $340 less than the Ford F350 Super Duty.
The chart displayed below shows how Chevrolet Silverado 3500HD car insurance rates compare to the top 10 best-selling heavy duty trucks like the GMC Sierra 2500 HD, GMC Sierra 3500, and the Ram Truck 2500.
