Chevrolet Silverado 2500 Insurance in New Jersey
Rates from $58 – $97/mo minimum coverage, $220 – $366/mo full coverage. Compare top NJ carriers below.
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Updated June 2026 · Source: New Jersey DOI + IQ rate model
Average monthly premium — 2024 Chevrolet Silverado 2500, New Jersey
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Chevrolet Silverado 2500 drivers in New Jersey
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Chevrolet Silverado 2500 insurance costs what it does in New Jersey
Keeps liability premiums near the baseline for this class.
No theft-rank surcharge on comprehensive premium.
High parts and labor costs raise collision premiums materially.
New Jersey is a choice no-fault state requiring 25/50/25 liability + $15,000 PIP. Densely populated, high claim frequency, but credit-based scoring + driving history are weighted heavily, so good drivers can find competitive rates. Basic Policy option exists for cost-sensitive drivers (lower limits).
Frequently asked questions
01How much is Chevrolet Silverado 2500 insurance in New Jersey?
New Jersey drivers of a 2024 Chevrolet Silverado 2500 pay about $220 – $366 per month for full coverage, or roughly $58 – $97 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Silverado 2500?
Yes. If your Silverado 2500 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. New Jersey law itself only requires the state liability minimums (25/50/25 plus $15,000 PIP), but the lender's contract overrides that.
03What's the cheapest carrier for a Silverado 2500 in New Jersey?
Cheapest varies by driver profile, but in New Jersey the major carriers most often quoting the lowest premiums for a Silverado 2500 are GEICO, Progressive, and State Farm. Regional carriers (NJM, Plymouth Rock, and Mercury) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Is insurance more expensive for a truck like the Silverado 2500 in New Jersey?
Slightly. Trucks like the Silverado 2500 typically carry 8-15% higher full-coverage premiums than mainstream sedans because of higher repair costs and higher claim severity in collisions. New Jersey's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does New Jersey require SR-22 after a DUI for a Silverado 2500?
After a DUI, New Jersey requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Silverado 2500 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.