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 $1,656 per year, $828 for a 6-month policy, or around $138 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 $1,304 per year, or about $109 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 $1,656 annually, or $138 monthly. With the average heavy duty truck costing $1,804 a year to insure, the Chevrolet Silverado HD 3500 would save around $148 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 $1,274 per year for a driver age 60 with high physical damage deductibles to the highest rate of $3,778 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 April 14, 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$2,840$237
$500$3,298$275
$250$3,778$315
30$1,000$1,474$123
$500$1,728$144
$250$1,994$166
40$1,000$1,422$119
$500$1,656$138
$250$1,900$158
50$1,000$1,300$108
$500$1,510$126
$250$1,730$144
60$1,000$1,274$106
$500$1,482$124
$250$1,698$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$3,298$1,728$1,656$1,510$1,482
2021$3,310$1,736$1,658$1,512$1,482
2020$3,256$1,702$1,628$1,486$1,456
2019$3,224$1,686$1,602$1,464$1,436
2018$3,144$1,642$1,562$1,428$1,402
2017$3,076$1,604$1,526$1,396$1,370
2016$3,142$1,626$1,558$1,424$1,398
2015$2,912$1,512$1,448$1,322$1,300
2014$2,584$1,352$1,296$1,182$1,160
2013$2,852$1,472$1,430$1,308$1,284

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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 March 9, 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$1,304$652$109
WT Double Cab 2WD$1,530$765$128
LT Regular Cab 2WD$1,556$778$130
WT Crew Cab 2WD$1,556$778$130
LT Double Cab 2WD$1,594$797$133
WT Regular Cab 2WD$1,608$804$134
LT Crew Cab 2WD$1,616$808$135
WT Double Cab 4WD$1,652$826$138
LT Regular Cab 4WD$1,678$839$140
WT Crew Cab 4WD$1,678$839$140
LT Double Cab 4WD$1,710$855$143
LTZ Crew Cab 2WD$1,714$857$143
LT Crew Cab 4WD$1,728$864$144
LTZ Crew Cab 4WD$1,818$909$152
High Country Crew Cab 4WD$1,892$946$158

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 March 9, 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 $260 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost around $301 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 $3,298 per year, while a 20-year-old female will pay $2,450, a difference of $848 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,510 and the cost for female drivers is $1,480, a difference of only $30.
  • Chevrolet Silverado 3500HD insurance for teen drivers is expensive. Average rates for full coverage Silverado HD 3500 insurance costs $6,102 per year for a 16-year-old driver, $5,662 per year for a 17-year-old driver, $5,270 per year for a 18-year-old driver, and $4,740 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 $234 per year for a 40-year-old driver and $458 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 $244 per year for a 40-year-old driver and $480 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 ($1,482 per year) and a 30-year-old driver ($1,728 per year) is $246, or a savings of 14.2%.
  • 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 $438 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 $1,656 per year for full coverage insurance and the category average price is $1,804 annually, a difference of $148 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 $152 less per year than the Chevrolet Silverado HD 2500, $144 less than the Ford F250 Super Duty, and $14 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 March 9, 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$1,642-$14
2Chevrolet Silverado HD 3500$1,656--
3Nissan Titan XD$1,700$44
4GMC Sierra 2500 HD$1,766$110
5GMC Sierra 3500$1,782$126
6Ford F250 Super Duty$1,800$144
7Chevrolet Silverado HD 2500$1,808$152
8Ram Truck 2500$1,866$210
9Ford F450 Super Duty$1,990$334
10Ram Truck 3500$2,034$378