Chevrolet Silverado 1500 insurance costs vary by model year, with 2025 trucks costing $326 monthly compared to just $36 for older models. Newer Silverados cost more to insure due to their higher market values.
Chevrolet Silverado 1500 Insurance Cost
Updated: January 26, 2026
Key Takeaways
GEICO offers the most affordable rates on average for Silverado 1500 owners, though full coverage costs average $158 monthly and vary based on your model year and chosen insurer. Read more.
Among pickup trucks, the Silverado 1500 ranks 15th out of 40 for insurance affordability, placing it in the middle tier. However, pickup trucks have higher premiums than most vehicle types due to increased repair costs and accident risk. Read more.
Your specific model year affects insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Silverado model years depending on the age of the drivers.
How Much Is Chevrolet Silverado 1500 Insurance?
Looking for another Chevrolet model? Read more about the cost of Chevrolet car insurance models.
Insurance rates depend on model year and insurer. Full coverage for a Chevrolet Silverado 1500 spans $125 monthly with GEICO to $284 with AIG, while minimum coverage goes from $58 with GEICO to $138 with UAIC.
Rate variations (more than $80 for minimum coverage and $159 for full coverage) demonstrate why Silverado 1500 owners need to shop around. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $90 | $187 |
| AIG | $115 | $284 |
| Allstate | $102 | $197 |
| Amica | $100 | $204 |
| Chubb | $112 | $221 |
| Farmers | $119 | $210 |
| Geico | $58 | $125 |
| Kemper | $81 | $163 |
| Nationwide | $92 | $158 |
| Progressive | $83 | $155 |
| State Farm | $78 | $163 |
| The Hartford | $93 | $158 |
| Travelers | $70 | $129 |
| UAIC | $138 | $173 |
Is Chevrolet Silverado 1500 Expensive to Insure?
MoneyGeek’s analysis of pickup truck insurance costs shows the Chevrolet Silverado 1500 ranking 15th out of 40 pickup trucks for affordability. That means 14 pickup trucks cost less to insure, placing it in the middle of the category and making it a reasonable benchmark for comparison shopping.
While pickup trucks generally cost more to insure than most vehicle types, the Silverado 1500’s 223rd-place ranking out of 827 total vehicles puts it in the top quarter for affordability overall. Higher-cost pickup trucks sit at the top of the category, while more affordable options rank lower.
| Ram Dakota | $119 | 12 |
| Nissan Titan | $119 | 13 |
| Chevrolet Silverado 2500 | $120 | 14 |
| Chevrolet Silverado 1500 | $120 | 15 |
| Dodge Dakota | $121 | 16 |
| GMC Sierra 2500 | $125 | 17 |
| Lincoln Mark LT | $126 | 18 |
Several factors affect what you'll pay for Chevrolet Silverado 1500 insurance:
- Average Repair or Replacement Costs: The Silverado 1500's $920 annual repair costs make it relatively affordable to maintain, ranking as Chevrolet's eighth most expensive model out of 38 available options.
- Vehicle Trim, Features and Accessories: With horsepower ranging from 275 to 420 depending on your engine choice, higher-performance trims command higher premiums. More powerful configurations increase insurance costs due to greater risk exposure.
- Driver Profile: Most Silverado 1500 owners fall within the 35 to 54 age range, which often results in lower insurance rates. However, the truck's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Chevrolet Silverado 1500s for young drivers.
Chevrolet Silverado 1500 Insurance Cost by State
Car insurance for a Chevrolet Silverado 1500 costs anywhere from $30 monthly in Wyoming to $161 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the truck itself.
| Alabama | $68 | $129 |
| Alaska | $58 | $123 |
| Arizona | $98 | $182 |
| Arkansas | $67 | $151 |
| California | $79 | $159 |
| Colorado | $80 | $190 |
| Connecticut | $112 | $193 |
| Delaware | $112 | $187 |
| Florida | $103 | $237 |
| Georgia | $122 | $201 |
| Hawaii | $43 | $97 |
| Idaho | $44 | $90 |
| Illinois | $74 | $139 |
| Indiana | $52 | $102 |
| Iowa | $45 | $109 |
| Kansas | $58 | $136 |
| Kentucky | $99 | $169 |
| Louisiana | $161 | $346 |
| Maine | $42 | $87 |
| Maryland | $125 | $210 |
| Massachusetts | $82 | $173 |
| Michigan | $123 | $235 |
| Minnesota | $66 | $136 |
| Mississippi | $72 | $142 |
| Missouri | $93 | $186 |
| Montana | $57 | $136 |
| Nebraska | $58 | $132 |
| Nevada | $142 | $258 |
| New Hampshire | $56 | $100 |
| New Jersey | $131 | $215 |
| New Mexico | $67 | $150 |
| New York | $100 | $180 |
| North Carolina | $66 | $128 |
| North Dakota | $48 | $104 |
| Ohio | $61 | $118 |
| Oklahoma | $75 | $166 |
| Oregon | $97 | $169 |
| Pennsylvania | $69 | $162 |
| Rhode Island | $102 | $181 |
| South Carolina | $83 | $155 |
| South Dakota | $43 | $132 |
| Tennessee | $63 | $128 |
| Texas | $103 | $211 |
| Utah | $88 | $149 |
| Vermont | $36 | $87 |
| Virginia | $77 | $125 |
| Washington | $74 | $138 |
| West Virginia | $69 | $142 |
| Wisconsin | $53 | $116 |
| Wyoming | $30 | $93 |
Chevrolet Silverado 1500 Costs by Model Year and Insurance Company
Model year and driver age influence your Chevrolet Silverado 1500 insurance costs. A 2016 Silverado 1500 costs an average of $186 monthly for full coverage, while a 2025 model jumps to $273 for drivers aged 35 to 55. Teen and young adult drivers pay even higher rates across all model years, with newer vehicles commanding the highest premiums.
National General offers the lowest rates across all Silverado model years and could save certain drivers hundreds of dollars per month versus the average rate. Shopping between insurers gives you the best opportunity to reduce your costs.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Chevrolet Silverado 1500
| Geico | $95 | $206 |
| National General | $98 | $200 |
| Travelers | $105 | $194 |
| Progressive | $119 | $221 |
| State Farm | $120 | $252 |
| Kemper | $125 | $253 |
| AAA | $136 | $283 |
| Nationwide | $144 | $248 |
| Amica | $147 | $301 |
| Allstate | $148 | $286 |
| The Hartford | $149 | $253 |
| AIG | $177 | $446 |
| Chubb | $179 | $352 |
| Farmers | $193 | $343 |
| UAIC | $206 | $261 |
Cost of Car Insurance for 2024 Chevrolet Silverado 1500
| Geico | $91 | $197 |
| National General | $94 | $192 |
| Travelers | $100 | $185 |
| Progressive | $114 | $213 |
| State Farm | $116 | $242 |
| Kemper | $120 | $243 |
| AAA | $131 | $272 |
| Nationwide | $137 | $236 |
| Amica | $141 | $289 |
| Allstate | $142 | $275 |
| The Hartford | $142 | $242 |
| AIG | $169 | $426 |
| Chubb | $171 | $338 |
| Farmers | $185 | $328 |
| UAIC | $197 | $250 |
Cost of Car Insurance for 2023 Chevrolet Silverado 1500
| Geico | $76 | $166 |
| National General | $79 | $162 |
| Travelers | $85 | $156 |
| Progressive | $96 | $178 |
| State Farm | $97 | $203 |
| Kemper | $101 | $204 |
| AAA | $110 | $228 |
| Nationwide | $116 | $200 |
| Amica | $119 | $243 |
| Allstate | $119 | $231 |
| The Hartford | $120 | $204 |
| AIG | $143 | $360 |
| Chubb | $144 | $284 |
| Farmers | $156 | $276 |
| UAIC | $166 | $211 |
Cost of Car Insurance for 2022 Chevrolet Silverado 1500
| Geico | $70 | $152 |
| National General | $72 | $147 |
| Travelers | $77 | $142 |
| Progressive | $87 | $163 |
| State Farm | $89 | $185 |
| Kemper | $92 | $186 |
| AAA | $100 | $208 |
| Nationwide | $106 | $183 |
| Amica | $108 | $222 |
| Allstate | $109 | $210 |
| The Hartford | $109 | $186 |
| AIG | $130 | $328 |
| Chubb | $131 | $259 |
| Farmers | $142 | $252 |
| UAIC | $152 | $192 |
Cost of Car Insurance for 2021 Chevrolet Silverado 1500
| Geico | $62 | $136 |
| National General | $64 | $132 |
| Travelers | $69 | $128 |
| Progressive | $78 | $146 |
| State Farm | $79 | $166 |
| Kemper | $82 | $167 |
| AAA | $90 | $187 |
| Nationwide | $95 | $164 |
| Amica | $97 | $199 |
| Allstate | $97 | $189 |
| The Hartford | $98 | $167 |
| AIG | $117 | $294 |
| Chubb | $118 | $232 |
| Farmers | $127 | $226 |
| UAIC | $136 | $172 |
Cost of Car Insurance for 2020 Chevrolet Silverado 1500
| Geico | $64 | $138 |
| National General | $72 | $148 |
| Travelers | $79 | $145 |
| Progressive | $87 | $162 |
| State Farm | $92 | $191 |
| Kemper | $94 | $191 |
| Nationwide | $98 | $169 |
| AAA | $103 | $213 |
| The Hartford | $107 | $182 |
| Amica | $111 | $227 |
| Allstate | $111 | $214 |
| AIG | $133 | $336 |
| Chubb | $134 | $266 |
| Farmers | $135 | $239 |
| UAIC | $148 | $187 |
Cost of Car Insurance for 2019 Chevrolet Silverado 1500
| Geico | $63 | $137 |
| National General | $73 | $150 |
| Travelers | $77 | $142 |
| Progressive | $86 | $161 |
| Kemper | $89 | $180 |
| State Farm | $90 | $187 |
| Nationwide | $92 | $159 |
| The Hartford | $102 | $174 |
| AAA | $102 | $212 |
| Allstate | $107 | $208 |
| Amica | $112 | $230 |
| AIG | $134 | $338 |
| Chubb | $135 | $267 |
| Farmers | $137 | $243 |
| UAIC | $145 | $183 |
Cost of Car Insurance for 2018 Chevrolet Silverado 1500
| Geico | $62 | $133 |
| National General | $72 | $148 |
| Travelers | $77 | $142 |
| State Farm | $87 | $181 |
| Progressive | $87 | $163 |
| Kemper | $88 | $178 |
| Nationwide | $93 | $162 |
| The Hartford | $101 | $172 |
| AAA | $101 | $209 |
| Allstate | $107 | $207 |
| Amica | $111 | $227 |
| Chubb | $130 | $256 |
| AIG | $130 | $326 |
| Farmers | $133 | $235 |
| UAIC | $145 | $182 |
Cost of Car Insurance for 2017 Chevrolet Silverado 1500
| Geico | $60 | $130 |
| National General | $71 | $145 |
| Travelers | $72 | $133 |
| Kemper | $81 | $165 |
| State Farm | $82 | $171 |
| Progressive | $82 | $154 |
| Nationwide | $88 | $152 |
| AAA | $97 | $200 |
| The Hartford | $98 | $167 |
| Allstate | $106 | $204 |
| Amica | $109 | $222 |
| AIG | $124 | $308 |
| Chubb | $124 | $245 |
| Farmers | $126 | $222 |
| UAIC | $140 | $175 |
Cost of Car Insurance for 2016 Chevrolet Silverado 1500
| Geico | $59 | $127 |
| National General | $70 | $143 |
| Travelers | $75 | $138 |
| State Farm | $82 | $170 |
| Kemper | $84 | $172 |
| Progressive | $87 | $163 |
| Nationwide | $92 | $160 |
| AAA | $96 | $199 |
| The Hartford | $96 | $164 |
| Allstate | $106 | $205 |
| Amica | $108 | $221 |
| Chubb | $119 | $234 |
| AIG | $121 | $298 |
| Farmers | $124 | $218 |
| UAIC | $143 | $179 |
Chevrolet Silverado 1500 Insurance Cost by Trim
Insurance costs for your Chevrolet Silverado 1500 vary from $326 monthly for full coverage on high-performance Crew Cab ZR2 variants down to $39 for minimum coverage on basic Extended Cab LS Hybrid Pickup 4D 6 1/2 ft. models. Performance features and market value determine where each trim falls in this range.
| Extended Cab Ls Hybrid Pickup 4d 6 1/2 Ft | $39 | $75 |
| Extended Cab Z71 Pickup 4d 8 Ft | $40 | $78 |
| Extended Cab Pickup 4d 8 Ft | $41 | $78 |
| Extended Cab Pickup 4d 6 1/2 Ft | $42 | $80 |
| Extended Cab Z71 Pickup 4d 6 1/2 Ft | $44 | $86 |
| Regular Cab Pickup 2d 8 Ft | $45 | $86 |
| Regular Cab Pickup 2d 6 1/2 Ft | $46 | $89 |
| Extended Cab Ls Pickup 4d 8 Ft | $46 | $89 |
| Regular Cab Z71 Pickup 2d 8 Ft | $52 | $100 |
| Extended Cab Long Bed | $52 | $100 |
| Crew Cab Z71 Pickup 4d 5 3/4 Ft | $53 | $102 |
| Regular Cab Z71 Pickup 2d 6 1/2 Ft | $54 | $104 |
| Extended Cab Short Bed | $56 | $107 |
| Regular Cab Short Bed | $58 | $111 |
| Regular Cab Long Bed | $58 | $112 |
| Regular Cab Ls Pickup 2d 8 Ft | $65 | $125 |
| Extended Cab Ls Pickup 4d 6 1/2 Ft | $66 | $128 |
| Extended Cab Ss Pickup 4d 6 1/2 Ft | $67 | $129 |
| Extended Cab Work Truck Pickup 4d 6 1/2 Ft | $68 | $131 |
| Extended Cab Lt Pickup 4d 8 Ft | $69 | $133 |
| Regular Cab Ls Pickup 2d 6 1/2 Ft | $69 | $134 |
| Regular Cab Work Truck Pickup 2d 8 Ft | $70 | $134 |
| Extended Cab Lt Pickup 4d 6 1/2 Ft | $72 | $139 |
| Crew Cab Xfe Pickup 4d 5 3/4 Ft | $72 | $140 |
| Extended Cab Work Truck Pickup 4d 5 3/4 Ft | $74 | $143 |
| Double Cab Ls Pickup 4d 6 1/2 Ft | $75 | $145 |
| Extended Cab Work Truck Pickup 4d 8 Ft | $76 | $146 |
| Double Cab Work Truck Pickup 4d 6 1/2 Ft | $76 | $146 |
| Crew Cab Ls Pickup 4d 5 3/4 Ft | $76 | $147 |
| Extended Cab Ltz Pickup 4d 8 Ft | $77 | $149 |
| Crew Cab Work Truck Pickup 4d 6 1/2 Ft | $78 | $150 |
| Crew Cab Work Truck Pickup 4d 5 3/4 Ft | $78 | $150 |
| Regular Cab Work Truck Pickup 2d 6 1/2 Ft | $78 | $151 |
| Extended Cab Lt Hybrid Pickup 4d 6 1/2 Ft | $80 | $155 |
| Extended Cab Ltz Pickup 4d 6 1/2 Ft | $81 | $157 |
| Double Cab Z71 Lt Pickup 4d 6 1/2 Ft | $81 | $158 |
| Regular Cab Lt Pickup 2d 8 Ft | $82 | $158 |
| Regular Cab Lt Pickup 2d 6 1/2 Ft | $82 | $159 |
| Crew Cab Hybrid Pickup 4d 5 3/4 Ft | $83 | $160 |
| Crew Cab Lt Pickup 4d 5 3/4 Ft | $83 | $161 |
| Double Cab Custom Pickup 4d 6 1/2 Ft | $84 | $163 |
| Crew Cab Z71 Lt Pickup 4d 5 3/4 Ft | $84 | $164 |
| Double Cab Lt Pickup 4d 6 1/2 Ft | $85 | $164 |
| Double Cab Ltz Pickup 4d 6 1/2 Ft | $85 | $164 |
| Crew Cab Lt Pickup 4d 6 1/2 Ft | $86 | $167 |
| Crew Cab Ls Pickup 4d 6 1/2 Ft | $87 | $169 |
| Crew Cab Z71 Ltz Pickup 4d 6 1/2 Ft | $87 | $169 |
| Extended Cab Lt Pickup 4d 5 3/4 Ft | $87 | $169 |
| Crew Cab Custom Pickup 4d 6 1/2 Ft | $87 | $169 |
| Double Cab Z71 Ltz Pickup 4d 6 1/2 Ft | $87 | $169 |
| Crew Cab Z71 Lt Pickup 4d 6 1/2 Ft | $88 | $170 |
| Crew Cab Ltz Pickup 4d 5 3/4 Ft | $88 | $171 |
| Double Cab Rst Pickup 4d 6 1/2 Ft | $89 | $174 |
| Extended Cab Ltz Pickup 4d 5 3/4 Ft | $90 | $173 |
| Regular Cab Z71 Lt Pickup 2d 6 1/2 Ft | $90 | $174 |
| Crew Cab Z71 Ltz Pickup 4d 5 3/4 Ft | $90 | $175 |
| Crew Cab Custom Pickup 4d 5 3/4 Ft | $90 | $176 |
| Regular Cab Work Truck | $91 | $177 |
| Crew Cab Custom Trail Boss Pickup 4d 6 1/2 Ft | $92 | $178 |
| Crew Cab Custom Trail Boss Pickup 4d 5 3/4 Ft | $92 | $178 |
| Crew Cab Rst Pickup 4d 5 3/4 Ft | $93 | $181 |
| Crew Cab Ltz Pickup 4d 6 1/2 Ft | $94 | $183 |
| Double Cab Custom Trail Boss Pickup 4d 6 1/2 Ft | $94 | $183 |
| Regular Cab Z71 Lt Pickup 2d 8 Ft | $94 | $183 |
| Crew Cab Rst Pickup 4d 6 1/2 Ft | $97 | $189 |
| Crew Cab High Country Pickup 4d 5 3/4 Ft | $97 | $189 |
| Crew Cab Lt Trail Boss Pickup 4d 6 1/2 Ft | $99 | $193 |
| Double Cab Work Truck | $100 | $194 |
| Crew Cab Lt Trail Boss Pickup 4d 5 3/4 Ft | $101 | $196 |
| Crew Cab High Country Pickup 4d 6 1/2 Ft | $101 | $197 |
| Double Cab Custom | $106 | $207 |
| Crew Cab Work Truck | $106 | $207 |
| Crew Cab Custom | $114 | $221 |
| Double Cab Lt | $116 | $226 |
| Crew Cab Lt | $122 | $237 |
| Crew Cab Ltz | $122 | $238 |
| Crew Cab Rst | $126 | $244 |
| Double Cab Rst | $126 | $245 |
| Crew Cab Custom Trail Boss | $126 | $246 |
| Crew Cab Zr2 Pickup 4d 5 3/4 Ft | $134 | $261 |
| Crew Cab Lt Trail Boss | $142 | $277 |
| Crew Cab High Country | $151 | $294 |
| Crew Cab Zr2 | $168 | $326 |
How to Lower the Cost of Chevrolet Silverado 1500 Insurance
We've compiled proven strategies to help you find better rates on Chevrolet Silverado 1500 insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Chevrolet Silverado 1500. Own your truck? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for pickup trucks. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Silverado in markets from Houston's energy corridor to Denver's business district.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means evaluating insurers beyond price quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and confirm AM Best financial stability ratings. Budget options might offer limited coverage or slower service when you need claims handled quickly.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Chevrolet Silverado 1500 owners often qualify for safety features discounts, multi-vehicle savings, policy bundling reductions and good driver rewards. Many insurers also offer discounts for anti-theft systems, defensive driving courses and military service that can reduce your premium costs.
- 5Consider Alternative Car Insurance Types
Chevrolet Silverado 1500 owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These telematics options track your driving habits and deliver premium reductions for safe driving behaviors. This works especially well for truck owners in suburban areas like Orange County or suburban Atlanta who drive less frequently.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually to ensure you're getting the best deal. Your current insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Chevrolet Silverado 1500 insurance. Market conditions change frequently, making regular shopping essential for maintaining affordable coverage.
Chevrolet Silverado 1500 Insurance Cost: Bottom Line
Chevrolet Silverado 1500 insurance costs less than average, so you're looking at affordable coverage. You can still secure even better rates by shopping multiple insurers, claiming available discounts and adjusting your coverage options.
Chevrolet Silverado 1500 Insurance Rates: FAQ
What is the average cost of car insurance for a Chevrolet Silverado 1500?
Insurance for a Chevrolet Silverado 1500 costs $1,899 annually for full coverage and $980 yearly for state minimum coverage. Monthly premiums average $158 for comprehensive protection and $82 for basic coverage.
What company has the cheapest car insurance for a Chevrolet Silverado 1500?
GEICO provides the most affordable auto insurance for a Chevrolet Silverado 1500 at $694 annually for minimum coverage. The company also offers the best rates for full coverage at $1,502 per year.
Are Chevrolet Silverado 1500s expensive to insure?
No, Chevrolet Silverado 1500 insurance is not more expensive than most vehicles. Among pickup trucks, this model ranks 15th out of 40 for affordability, while placing 223rd out of 827 total vehicles we track.
What factors affect insurance costs for Chevrolet Silverado 1500s?
Various factors affect your Chevrolet Silverado 1500 insurance costs. The truck's size and weight can increase collision damage, while repair costs for parts and labor impact rates. Your driving record and credit score, plus the coverage you pick, play a big role in determining your final premium.
How can I lower Chevrolet Silverado 1500 insurance costs?
Compare quotes from multiple insurers since Silverado 1500 costs differ between companies and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home insurance and maintain a clean driving record to get better rates.
How We Determined Chevrolet Silverado 1500 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Chevrolet Silverado 1500 insurance costs.
Who We Based These Rates On
These Chevrolet Silverado 1500 rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.