Chevrolet Silverado insurance costs $82 monthly for minimum coverage and $158 for full coverage. Depending on trim and model year, monthly costs range from $75 to $307.
Chevrolet Silverado Insurance Cost
Updated: October 3, 2025
Key Takeaways
Chevrolet Silverado 1500 insurance costs range from $58 to $329 monthly depending on coverage type and model year variations.
The Silverado 1500 ranks 223rd out of 827 vehicle models for insurance affordability in the United States market from 2000-2025.
GEICO offers the most affordable Chevrolet Silverado insurance with full coverage at $125 monthly and minimum coverage, starting at $58 monthly.
How Much Is Chevrolet Silverado Insurance?
| Chevrolet Silverado 1500 | $82 | $158 |
Chevrolet Silverado Insurance Cost by Model Year
Chevrolet Silverado 1500 rates increase with newer model years due to higher vehicle values. Annual costs range from $36 to $244 monthly across model years.
| 2025 | $125 | $244 |
| 2024 | $120 | $233 |
| 2023 | $101 | $197 |
| 2022 | $92 | $179 |
| 2021 | $83 | $161 |
| 2020 | $90 | $176 |
| 2019 | $89 | $173 |
| 2018 | $88 | $171 |
| 2017 | $84 | $163 |
| 2016 | $85 | $164 |
| 2015 | $82 | $160 |
| 2014 | $83 | $162 |
| 2013 | $75 | $145 |
| 2012 | $77 | $148 |
| 2011 | $79 | $152 |
| 2010 | $80 | $154 |
| 2009 | $83 | $160 |
| 2008 | $82 | $159 |
| 2007 | $81 | $157 |
| 2006 | $77 | $149 |
| 2005 | $43 | $83 |
| 2004 | $57 | $109 |
| 2003 | $36 | $70 |
| 2002 | $40 | $78 |
| 2001 | $49 | $94 |
| 2000 | $79 | $151 |
Chevrolet Silverado Insurance Cost by Trim
Chevrolet Silverado trim levels affect insurance rates based on features, performance capabilities and market value. Premium trims like High Country models cost more to insure than Standard models.
| 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 |
Compare Personalized Chevrolet Silverado Insurance Costs
We broke down Silverado insurance costs by model year and trim for accurate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Regular Cab Short Bed
| Regular Cab Short Bed | $66 | $126 |
Chevrolet Silverado Insurance Cost by Company
Chevrolet Silverado 1500 insurance costs vary by provider from $91 to $200 monthly. Minimum coverage ranges from $58 to $138, while full coverage costs $125 to $284. Rates vary due to different risk assessment models.
| 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 |
Chevrolet Silverado Insurance Cost by State
Chevrolet Silverado insurance varies by state, from $30 monthly in Wyoming to $346 in Louisiana. State regulations, weather risks and accident statistics affect these rates.
| 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 Insurance Cost by Driver Profile
Driver age and record affect Chevrolet Silverado insurance rates. Young drivers under 25 pay up to $400 monthly, while adults 26 to 64 with clean records pay as low as $82 monthly.
| Adult Drivers | $82 | $158 |
| Young Drivers | $209 | $400 |
| Senior Drivers | $109 | $200 |
| Drivers With a Speeding Ticket | $102 | $199 |
| Drivers With an Accident | $120 | $232 |
| Drivers With a DUI | $150 | $288 |
| Drivers With Bad Credit | $196 | $393 |
Is a Chevrolet Silverado Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Chevrolet Silverado ranks 223rd out of 827, making it one of the more affordable cars to insure. Among full-size pickup trucks, the model ranks 5th out of 16.
| Gmc Sierra 1500 | $75 | $145 |
| Chevrolet Avalanche | $79 | $152 |
| Ford F-150 | $80 | $155 |
| Nissan Titan | $81 | $158 |
| Chevrolet Silverado 1500 | $82 | $158 |
| Chevrolet Silverado 2500 | $81 | $158 |
| Gmc Sierra 2500 | $85 | $165 |
| Ram 1500 | $86 | $167 |
| Chevrolet Silverado 3500 | $88 | $171 |
| Gmc Sierra 3500 | $89 | $172 |
| Ford F-250 | $105 | $203 |
| Ford F-350 | $108 | $210 |
| Ram 3500 | $118 | $229 |
| Ford F-450 | $133 | $259 |
| Gmc Hummer EV | $134 | $264 |
| Ram 2500 | $170 | $329 |
Factors That Affect Chevrolet Car Insurance Costs
Several factors influence your Chevrolet Silverado insurance costs:
- Age (35 to 55 median): Middle-aged drivers with established driving records receive favorable rates, though truck classification maintains elevated premiums over sedans.
- Gender (84% male): Heavily male-skewed ownership reflects traditional pickup truck demographics, with male drivers potentially facing higher rates due to risk assessment patterns.
- Income ($76,000 average): Above-average household income suggests buyers can afford comprehensive coverage and represent lower payment risk for insurers.
Average Repair or Replacement Costs
Chevrolet ranks 10th in repair affordability among 59 U.S. automakers with median annual costs of $723. Chevrolet Silverado 1500 repair costs average $920 annually, making it one of Chevrolet's most affordable models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Silverado's diverse trim lineup affects insurance costs. Base Work Truck models with the 310-horsepower 2.7L TurboMax engine carry lower premiums, while High Country trims with the 420-horsepower 6.2L V8, premium leather and advanced technology increase replacement values.
Off-road-focused Trail Boss and ZR2 trims with specialized equipment and higher performance capabilities result in elevated insurance costs.
Fuel Type
Silverado owners can choose from multiple engine options that influence insurance costs. The efficient 2.7L turbo and 5.3L V8 engines attract practical buyers seeking work capability, while the powerful 6.2L V8 appeals to performance-oriented drivers who may represent higher risk profiles.
The available 3.0L Duramax diesel option attracts long-distance drivers and commercial users focused on fuel efficiency and hauling capacity.
Location
Silverado ownership concentrates in suburban and rural markets across America, particularly strong in traditional truck-friendly regions. Manufacturing locations in Fort Wayne, Indiana; Flint, Michigan; and Silao, Mexico ensure parts availability nationwide.
The truck's popularity across all U.S. regions provides consistent insurance market competition, though rates vary by state regulations, local theft rates and regional claim frequencies.
Driver Profile
Most Silverado drivers are practical buyers aged 35 to 55 who need a capable work truck or family hauler.
Driver demographics affect Silverado rates:
Cheapest Chevrolet Silverado Insurance Companies
If you're shopping for Silverado 1500 insurance, GEICO offers the most affordable rates across both coverage levels. For full coverage protection, GEICO provides the cheapest option at $125 monthly. When you only need minimum coverage to meet state requirements, GEICO again leads with the lowest cost at $58 per month.
| GEICO | $58 | $125 |
| Travelers | $70 | $129 |
| Progressive | $83 | $155 |
| State Farm | $78 | $163 |
| Kemper | $81 | $163 |
Cheapest Chevrolet Silverado Insurance by State
We found these three cheapest car insurance providers for a Chevrolet Silverado 1500:
- GEICO: Most affordable rates in 12 states
- Travelers: Cheapest coverage in 11 states
- Auto-Owners: Wins for low rates in five states
Filter below to find who offers the most affordable auto insurance rates for your Chevrolet Silverado 1500.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $36 |
How to Get the Best Cheap Chevrolet Silverado Insurance
We explore the top car insurance discounts available for your Chevrolet Silverado:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Chevrolet's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Chevrolet Silverado 1500, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Silverado owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Silverado owners' average household income of $76,000 to $102,000 often means multiple vehicles in the household, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): Most pickup truck buyers own their homes, and Silverado owners' stable income levels typically enable bundling auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Pickup truck owners are often experienced drivers with clean records, and Silverado's appeal to practical, safety-conscious buyers results in good driver discount eligibility.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Silverado earned five-star National Highway Traffic Safety Administration (NHTSA) ratings and includes Chevrolet Safety Assist with automatic emergency braking, forward collision alert, and comprehensive airbag systems, which help you avoid crashes. Lots of insurance companies will reduce your premium for this.
- Anti-Theft Device Discount (5% to 15% savings): Silverados come standard with GM's anti-theft system, remote keyless entry, and advanced security features that qualify for anti-theft discounts, important given that Silverados are among the most-stolen vehicles in the US.
- 5
Consider alternative car insurance types
Chevrolet Silverado owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Chevrolet Silverado insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Chevrolet Silverado Insurance Cost: Bottom Line
Insuring a Chevrolet Silverado costs less than average. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Chevrolet Silverado Insurance Rates: FAQ
Here are answers to common questions about insuring a Chevrolet Silverado.
What is the average cost of car insurance for a Chevrolet Silverado 1500?
The Chevrolet Silverado 1500's average annual insurance cost is $980 annually for state minimum and $1,899 for full coverage.
What company has the cheapest car insurance for a Chevrolet Silverado 1500?
If you're shopping for Silverado 1500 insurance, GEICO offers the most affordable rates across both coverage levels. For full coverage protection, GEICO provides the cheapest option at $125 monthly. When you only need minimum coverage to meet state requirements, GEICO again leads with the lowest cost at $58 per month.
Are Chevrolet Silverado 1500s expensive to insure?
No, Chevrolet Silverado 1500 insurance costs less than most cars. Out of 827 vehicles we track, the Silverado ranks 223rd for affordability. Among full-size pickup trucks, the model ranks 5th out of 16.
What factors affect insurance costs for Chevrolet Silverado 1500s?
Several factors affect your Chevrolet Silverado 1500 rates. These include the vehicle's size and repair costs, your driving record and credit score, coverage choices and your location. Pickup trucks generally have higher rates than sedans due to their weight and usage patterns.
How can I lower Chevrolet Silverado 1500 insurance costs?
Shop around with multiple insurers, as rates vary for Chevrolets, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Chevrolet Silverado Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate Chevrolet Silverado insurance costs.
Who We Based These Rates On
These Chevrolet Silverado prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.