The Chevy Silverado 1500 is a full-size pickup that offers multiple body styles and trim levels. It's tough and reliable enough to function as a work truck, or it can be fully loaded to rival any luxury vehicle. It offers a variety of safety features, including a Teen Driver System. But despite its size, power, and popularity, Silverado insurance may be more affordable than you think.
An independent insurance agent can also help you find the most affordable Chevy Silverado insurance in your area. They'll get you set up with the right kind of car insurance for your needs. But first, here's a breakdown of Chevy Silverado insurance costs by model year and top-rated insurance company for 2026.
Key Takeaways - Chevrolet Silverado Car Insurance
Chevrolet Silverado insurance costs an average of $1,899 per year, or approximately $158 per month, for full coverage in 2026.
Minimum coverage for the Silverado costs an average of $980 per year, or approximately $82 per month.
Chevy Silverado insurance rates vary widely by state, with drivers in Wyoming paying an average of only $30 per month for minimum coverage, while those in Louisiana pay $346.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 Chevy Silverado 1500 insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Chevrolet Silverado model.
What Is Chevrolet Silverado Insurance?
Chevy Silverado insurance is a car insurance policy designed to protect the unique features and characteristics of this specific vehicle. As a full-size pickup truck, the Silverado may need special protection beyond that of a sedan. However, its average insurance rates are more affordable than for many other vehicles, including other full-size pickups.
Recommended coverage options for Chevrolet Silverado drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Chevrolet Silverado:
- Gap insurance: If you have a new or financed Chevy vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Chevy parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Chevrolet warranty insurance: This can extend Chevrolet's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
Your state likely requires certain types of car insurance by law. A local independent insurance agent can help you get set up with all the mandatory Chevy Silverado insurance for your area.
How Much Does Chevrolet Silverado Insurance Cost?
Car insurance for a Chevrolet Silverado costs an average of $1,899 per year, or approximately $158 per month for full coverage. Minimum coverage costs an average of $980 per year, or approximately $82 per month.
In addition to the vehicle's make and model, multiple factors can impact the cost of your car insurance premiums, such as:
- Your age and gender
- Your credit score (where allowed)
- Your location
- Your marital status
- Your driving record
- The coverage you select
- The deductible you choose
An independent insurance agent can help you find affordable Chevrolet Silverado insurance near you.
Is the Chevrolet Silverado Expensive to Insure?
No, the Chevy Silverado is not expensive to insure compared to other vehicles, including other full-sized pickup trucks. However, the Silverado 3500 does have slightly higher average premiums than the 2500 and 1500. The average insurance cost for a Chevy Silverado 1500 is about $82 per month for minimum coverage.
The table below compares the average monthly premium for the Silverado with those of other vehicles.
| Vehicle | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| GMC Sierra 1500 | $75 | $145 |
| Chevrolet Avalanche | $79 | $152 |
| Ford F-150 | $80 | $155 |
| Nissan Titan | $81 | $158 |
| Chevrolet Silverado 2500 | $81 | $158 |
| Chevrolet Silverado 1500 | $82 | $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 |
Chevrolet Silverado Insurance Costs by Model Year
Next, we'll break down several model years of the Chevrolet Silverado and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Chevrolet Silverado | $1,671 |
| 2025 Chevrolet Silverado | $1,345 |
| 2024 Chevrolet Silverado | $1,307 |
| 2023 Chevrolet Silverado | $643 |
| 2022 Chevrolet Silverado | $689 |
| 2021 Chevrolet Silverado | $526 |
| 2020 Chevrolet Silverado | $540 |
| 2019 Chevrolet Silverado | $583 |
| 2018 Chevrolet Silverado | $570 |
| 2017 Chevrolet Silverado | $714 |
| 2016 Chevrolet Silverado | $659 |
| 2015 Chevrolet Silverado | $570 |
| 2014 Chevrolet Silverado | $517 |
| 2013 Chevrolet Silverado | $367 |
| 2012 Chevrolet Silverado | $480 |
| 2011 Chevrolet Silverado | $496 |
| 2010 Chevrolet Silverado | $434 |
Cheapest Chevrolet Silverado Car Insurance Companies for 2026
You can find affordable Silverado coverage from many different carriers when you know where to look. These top-rated car insurance companies provide the cheapest 2025 Chevrolet Silverado 1500 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,705 |
| American Family | $1,754 |
| USAA | $1,802 |
| Erie | $1,973 |
| Nationwide | $1,975 |
| Allstate | $4,188 |
Chevrolet Silverado Car Insurance Rates by State
Your location can have a major effect on car insurance costs. Here are some average Chevy Silverado car insurance rates by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Chevrolet Silverado Insurance Rates by Age
Your age plays a major role in your car insurance costs. Teens and young drivers tend to pay the most for auto insurance, while adults pay the least until they reach their senior years, when rates begin to climb again.
Here are some average Chevy Silverado insurance rates by driver age group in 2026.
| Driver Age Group | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Young (age 24 and under) | $209 | $400 |
| Adult (age 25 and older) | $82 | $158 |
| Senior (age 65 and older) | $109 | $200 |
Average Chevrolet Silverado Insurance Rates by Driver Profile
If you have traffic violations or speeding tickets on your record, it can dramatically increase your car insurance rates. So can having poor credit, in certain areas.
Here are some average Chevy Silverado insurance costs by driver profile for 2026.
| Violation | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Speeding Ticket on Record | $102 | $199 |
| Accident on Record | $120 | $232 |
| DUI on Record | $150 | $288 |
| Poor Credit | $196 | $393 |
Best Chevrolet Silverado Insurance Discounts: How to Lower Your Chevy Silverado Insurance Premiums
Lowering your Chevy Silverado insurance rates can be easy when you follow any of these simple steps:
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Chevy Silverado insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing Chevrolet Silverado insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Ask about telematics programs: Your insurance company or Chevrolet may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Chevy Silverado insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
A local independent insurance agent can help you find the cheapest Chevy Silverado insurance. They can also help you drop your premium rates as much as possible by following tips like these.
An Independent Insurance Agent Can Help You Get the Best Chevrolet Silverado Insurance Quotes
When it's time to find the most affordable Chevrolet Silverado insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Chevy Silverado insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Chevrolet Silverado Insurance
How much does Chevrolet Silverado insurance cost per year?
The average annual cost of full coverage for a Chevy Silverado is $1,899 per year, or approximately $158 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Chevrolet Silverado insurance premiums?
Having past claims on your record, traffic violations, or poor credit can all increase the cost of Chevy Silverado insurance.
Is the Chevrolet Silverado expensive to insure?
No, the Chevy Silverado isn't expensive to insure. We found that the Silverado's average premiums were quite affordable compared to those of many other full-sized pickup trucks, including the GMC Hummer EV and the Ram 2500.
What are the best and cheapest carriers for Chevy Silverado insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 Chevrolet Silverado 1500 insurance this year.
How can I get cheaper Chevrolet Silverado insurance?
Finding cheaper Chevy Silverado insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Does safety equipment lower insurance costs?
It's possible, yes. Ask your independent insurance agent if your Silverado's safety equipment qualifies you to earn car insurance discounts.
What coverage types do Silverado drivers need most?
Silverado drivers need to carry at least liability insurance, but other types of coverage are also strongly recommended and even required in many areas, such as collision and comprehensive insurance.
Other Chevrolet Models
Sources
https://www.moneygeek.com/insurance/auto/chevrolet-silverado-insurance/
https://www.insuranceopedia.com/auto-insurance/chevrolet-silverado-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/chevrolet/silverado-1500/