Chevy Silverado 3500HD Car Insurance Rates for 2022

How much does car insurance for a Chevrolet Silverado HD 3500 cost? We break down rates from the base Silverado HD 3500 WT Regular Cab 4WD to the LTZ Crew Cab 2WD model to find out how insurance prices rank against the rest of the heavy duty truck market.

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  • Chevrolet Silverado 3500HD insurance costs an average of $1,666 per year, $833 for a 6-month policy, or around $139 per month.
  • Out of 10 models in the 2022 heavy duty truck segment, the Silverado HD 3500 ranks #2 for insurance cost.
  • The cheapest trim level to insure is the WT Regular Cab 4WD at $1,314 per year, or about $110 per month.

How much does Chevy Silverado 3500HD insurance cost?

Ranked #2 out of 10 vehicles in the heavy duty truck class, Silverado HD 3500 insurance rates average $1,666 annually, or $139 monthly. With the average heavy duty truck costing $1,818 a year to insure, the Chevrolet Silverado HD 3500 would save around $152 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 $1,282 per year for a driver age 60 with high physical damage deductibles to the highest rate of $3,810 each year for a driver age 20 with $250 comprehensive and collision deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 Chevrolet Silverado HD 3500 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Chevrolet Silverado HD 3500 trim levels.Data last updated on June 24, 2022
Chevrolet Silverado HD 3500 Car Insurance Rates
Chevrolet Silverado HD 3500 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,864$239
$500$3,324$277
$250$3,810$318
30$1,000$1,486$124
$500$1,744$145
$250$2,012$168
40$1,000$1,430$119
$500$1,666$139
$250$1,914$160
50$1,000$1,308$109
$500$1,520$127
$250$1,742$145
60$1,000$1,282$107
$500$1,490$124
$250$1,708$142

The data below illustrates average insurance rates for a Chevy Silverado 3500HD from the 2013 to the 2021 model years for five different age groups.

Chevrolet Silverado HD 3500 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,324$1,744$1,666$1,520$1,490
2021$3,336$1,750$1,670$1,520$1,494
2020$3,280$1,714$1,640$1,496$1,470
2019$3,250$1,700$1,612$1,474$1,448
2018$3,168$1,658$1,572$1,436$1,412
2017$3,098$1,616$1,536$1,404$1,380
2016$3,166$1,638$1,568$1,436$1,414
2015$2,932$1,522$1,460$1,336$1,310
2014$2,604$1,364$1,306$1,192$1,170
2013$2,876$1,484$1,442$1,320$1,294

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Chevrolet Silverado HD 3500 Insurance Cost by Model Year

The next table details average insurance rates for both annual and 6-month policy terms, plus a monthly budget amount, for each 2022 Silverado 3500HD package and trim level.

2022 Chevrolet Silverado HD 3500 Insurance Cost by Trim Level
Chevrolet Silverado HD 3500 Trim Level Annual Policy 6-month Policy Per Month
WT Regular Cab 4WD$1,314$657$110
WT Double Cab 2WD$1,540$770$128
LT Regular Cab 2WD$1,570$785$131
WT Crew Cab 2WD$1,570$785$131
LT Double Cab 2WD$1,606$803$134
WT Regular Cab 2WD$1,624$812$135
LT Crew Cab 2WD$1,630$815$136
WT Double Cab 4WD$1,666$833$139
LT Regular Cab 4WD$1,694$847$141
WT Crew Cab 4WD$1,694$847$141
LT Double Cab 4WD$1,728$864$144
LTZ Crew Cab 2WD$1,728$864$144
LT Crew Cab 4WD$1,746$873$146
LTZ Crew Cab 4WD$1,834$917$153
High Country Crew Cab 4WD$1,910$955$159

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Chevrolet Silverado HD 3500, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Chevrolet Silverado HD 3500 Insurance Cost by Trim Level

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 $262 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost around $303 more per year.
  • Driver gender affects car insurance rates. For a 2022 Chevrolet Silverado HD 3500, a 20-year-old male receives an average rate of $3,324 per year, while a 20-year-old female will pay $2,470, a difference of $854 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,520 and the cost for female drivers is $1,488, a difference of only $32.
  • Chevrolet Silverado 3500HD insurance for teen drivers is expensive. Average rates for full coverage Silverado HD 3500 insurance costs $6,152 per year for a 16-year-old driver, $5,706 per year for a 17-year-old driver, $5,312 per year for a 18-year-old driver, and $4,778 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 $236 per year for a 40-year-old driver and $460 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 $248 per year for a 40-year-old driver and $486 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 ($1,490 per year) and a 30-year-old driver ($1,744 per year) is $254, or a savings of 14.6%.
  • 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 $284 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 $446 per year.

How does Silverado 3500HD insurance cost rank?

The Chevy Silverado HD 3500 ranks #2 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 $1,666 per year for full coverage insurance and the category average price is $1,818 annually, a difference of $152 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 $156 less per year than the Chevrolet Silverado HD 2500, $148 less than the Ford F250 Super Duty, and $10 more 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Chevrolet Silverado HD 3500, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Chevrolet Silverado HD 3500 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Chevrolet Silverado HD 3500 vs Heavy Duty Trucks Insurance Cost Comparison
Chevrolet Silverado HD 3500 Insurance Cost Compared to All Heavy Duty Trucks
Rank Make/Model Insurance Cost Difference
1Ford F350 Super Duty$1,656-$10
2Chevrolet Silverado HD 3500$1,666--
3Nissan Titan XD$1,714$48
4GMC Sierra 2500 HD$1,780$114
5GMC Sierra 3500$1,794$128
6Ford F250 Super Duty$1,814$148
7Chevrolet Silverado HD 2500$1,822$156
8Ram Truck 2500$1,884$218
9Ford F450 Super Duty$2,004$338
10Ram Truck 3500$2,050$384