Chevrolet Silverado 1500 Car Insurance Quotes (2025)
Insurance for a Chevrolet Silverado 1500 full-size pickup costs an average of $135 per month.
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Written byEmily Guy Birken
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Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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The average cost of Chevrolet Silverado 1500 insurance is $94 per month for liability coverage and $176 for full coverage. This falls in between the average costs for similar full-sized pickup trucks, like the Toyota Tundra, Dodge Ram 1500, and Ford F-150. One of General Motors’ bestselling vehicles, Chevrolet sold more than 560,000 Silverado 1500 trucks in the U.S. in 2024.[1]
Here’s what you need to know about finding car insurance for your Silverado 1500, including average rates by state and vehicle model year.
Quick Facts
Chevrolet’s Silverado 1500 has an MSRP ranging from $38,995 to $71,995. The truck can range from a basic intro pickup to a deluxe work truck.
USAA, State Farm, and GEICO offer the cheapest rates for the Chevrolet Silverado 1500, on average.
The average annual cost of insurance for the Silverado 1500 is $1,128 for liability-only coverage and $2,112 for full coverage.
Cost of Chevrolet Silverado 1500 insurance by model year
The average cost of insurance for a Chevrolet Silverado 1500 is $94 per month for liability coverage and $176 for full coverage. USAA offers the cheapest coverage for Silverado 1500 drivers, with average rates of $44 per month for liability coverage and $93 for full coverage.
Rates vary depending on your driving record, location, vehicle model year, and more.[2] The table below shows how average rates for the Chevrolet Silverado 1500 vary by model year.
Model Year  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| 2025 | $124 | $226 |
| 2024 | $124 | $226 |
| 2023 | $121 | $222 |
| 2022 | $121 | $221 |
| 2021 | $115 | $210 |
| 2020 | $112 | $205 |
| 2019 | $108 | $197 |
| 2018 | $103 | $187 |
| 2017 | $101 | $185 |
| 2016 | $97 | $178 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Silverado 1500 has a manufacturer’s suggested retail price (MSRP) ranging from $38,995 to $71,995.[3] You can get a no-nonsense basic truck for a low price, or you can upgrade everything for the all-the-bells-and-whistles trim package for a price closer to the maximum MSRP.
Check out the average monthly quotes from top insurers for this model year below.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $61 $113 State Farm $72 $136 Allstate $79 $151 GEICO $89 $167 American Family $92 $174 Nationwide $113 $208 Travelers $119 $219 Progressive $131 $179 Farmers $141 $264 Liberty Mutual $226 $287 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Depending on specs and trim levels, the 2024 Chevy Silverado 1500’s MSRP ranged from $38,795 to $71,895. Compare average monthly insurance costs for this model year from multiple major insurance companies in the table below.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $61 $113 State Farm $72 $136 Allstate $79 $151 GEICO $89 $167 American Family $92 $174 Nationwide $113 $208 Travelers $119 $219 Progressive $131 $179 Farmers $141 $264 Liberty Mutual $226 $287 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Chevrolet’s 2023 Silverado had an original MSRP of $43,895. The table below includes average monthly insurance rates for this model year from several major insurers.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $59 $111 State Farm $70 $133 Allstate $77 $149 GEICO $87 $164 American Family $90 $171 Nationwide $110 $204 Travelers $116 $215 Progressive $128 $175 Farmers $138 $260 Liberty Mutual $220 $282 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for a 2022 Chevy Silverado 1500 started at $36,395. Here are the average monthly quotes for this model year from several major insurers.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $59 $111 State Farm $70 $133 Allstate $77 $148 GEICO $87 $164 American Family $90 $170 Nationwide $110 $203 Travelers $116 $214 Progressive $128 $175 Farmers $138 $259 Liberty Mutual $220 $281 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for a 2021 Chevy Silverado 1500 started at $30,995. Here’s how much it would currently cost per month to insure a 2021 Silverado 1500 from different insurance companies.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $56 $105 State Farm $67 $126 Allstate $74 $141 GEICO $83 $155 American Family $85 $162 Nationwide $105 $193 Travelers $110 $204 Progressive $122 $166 Farmers $131 $246 Liberty Mutual $209 $267 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Chevrolet’s 2020 Silverado 1500 had an original starting MSRP of $36,395. In the table below, you’ll find average monthly insurance rates from several insurance companies for the 2020 Silverado 1500.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $55 $103 State Farm $65 $123 Allstate $72 $137 GEICO $81 $152 American Family $83 $158 Nationwide $102 $189 Travelers $108 $199 Progressive $119 $162 Farmers $128 $240 Liberty Mutual $204 $260 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2019, Chevrolet’s starting MSRP for the Silverado 1500 was $36,365. Check out the average monthly insurance quotes for this model year from several major insurers in the table below.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $53 $99 State Farm $63 $118 Allstate $69 $132 GEICO $78 $146 American Family $80 $152 Nationwide $98 $181 Travelers $104 $191 Progressive $114 $156 Farmers $123 $230 Liberty Mutual $197 $250 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for the 2018 Chevrolet Silverado 1500 model year ranged from $38,205 to $58,815, depending on specific trim choices. You can find average monthly quotes for this model year from multiple major insurance companies below.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $50 $94 State Farm $60 $112 Allstate $66 $125 GEICO $74 $138 American Family $76 $144 Nationwide $94 $172 Travelers $99 $181 Progressive $109 $148 Farmers $117 $219 Liberty Mutual $187 $237 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2017 Silverado 1500 had an original MSRP of between $37,530 and $57,565. Below, you can compare average monthly insurance quotes for this model year.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $49 $93 State Farm $59 $111 Allstate $65 $124 GEICO $73 $137 American Family $75 $142 Nationwide $92 $170 Travelers $97 $179 Progressive $107 $146 Farmers $115 $216 Liberty Mutual $184 $235 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2016, the original MSRP for the Chevy Silverado 1500 started at $36,850. You can find the average monthly quotes from major insurance companies for this model year in the following table.
Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageUSAA $48 $89 State Farm $56 $107 Allstate $62 $119 GEICO $70 $132 American Family $72 $137 Nationwide $88 $164 Travelers $93 $173 Progressive $103 $141 Farmers $111 $208 Liberty Mutual $177 $226 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Chevrolet insurance by state
Premiums for your Chevy Silverado 1500 insurance can vary based on location. Different states may have different theft rates, weather patterns, or other risk factors that could affect the cost of your insurance policy.
The table below outlines the average rates Chevy drivers pay by state. Alaska and Hawaii are not included due to insufficient data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $134 |
| Arizona | $163 |
| Arkansas | $240 |
| California | $226 |
| Colorado | $206 |
| Connecticut | $314 |
| Delaware | $231 |
| Florida | $216 |
| Georgia | $234 |
| Idaho | $117 |
| Illinois | $159 |
| Indiana | $135 |
| Iowa | $114 |
| Kansas | $155 |
| Kentucky | $203 |
| Louisiana | $208 |
| Maine | $141 |
| Maryland | $318 |
| Massachusetts | $167 |
| Michigan | $260 |
| Minnesota | $183 |
| Mississippi | $195 |
| Missouri | $181 |
| Montana | $156 |
| Nebraska | $164 |
| Nevada | $263 |
| New Hampshire | $106 |
| New Jersey | $167 |
| New Mexico | $149 |
| New York | $442 |
| North Carolina | $88 |
| North Dakota | $129 |
| Ohio | $121 |
| Oklahoma | $167 |
| Oregon | $151 |
| Pennsylvania | $162 |
| Rhode Island | $138 |
| South Carolina | $253 |
| South Dakota | $121 |
| Tennessee | $140 |
| Texas | $221 |
| Utah | $172 |
| Vermont | $142 |
| Virginia | $180 |
| Washington | $150 |
| Washington D.C. | $323 |
| West Virginia | $147 |
| Wisconsin | $124 |
| Wyoming | $112 |
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How to ensure you have enough coverage on your Chevrolet Silverado 1500
Finding the right coverage level for your Chevy Silverado 1500 can help protect you financially in case of an accident. Most states require drivers to purchase minimum liability coverage, but many experts recommend purchasing higher liability limits. You may also want to consider the following optional coverages for more vehicle protection:
Collision coverage
If you have an at-fault accident with your Silverado 1500, collision insurance will help pay the repair costs of your truck. If you don’t have this kind of coverage, you’ll have to pay out of pocket to repair any damage to your pickup.
Comprehensive coverage
If your Silverado becomes damaged because of something other than a collision, such as a falling object, vandalism, extreme weather, or theft, your comprehensive insurance will help you pay for repairs.
Personal injury protection (PIP) or medical payments (MedPay)
Depending on where you live, your state may already require you to carry PIP coverage or MedPay, which helps pay for your and your passengers’ medical expenses after an accident, regardless of fault. Even if you don’t have to carry one of these coverages, it can be a good idea if you don’t have sufficient health insurance.
Uninsured/underinsured motorist (UM/UIM)
Not everyone follows the legal requirement to carry minimum insurance coverage. If you have an accident with an uninsured or underinsured driver, UM/UIM insurance can help cover the cost of your property damage or medical bills. Some states require all drivers to carry this coverage, but it can add extra peace of mind even if it’s not a legal requirement.
Chevrolet Silverado 1500 car insurance FAQs
The following information can help answer your remaining questions about Chevrolet Silverado 1500 car insurance.
USAA, State Farm, and GEICO have the cheapest average quotes for Chevy Silverado trucks, according to Insurify data.
But any two Silverado drivers won’t necessarily find the cheapest rates from the same insurer. Rates will depend on factors like your ZIP code, driving history, claims history, vehicle age, mileage, and more. So, it’s important to compare quotes from several insurers.
Chevy Silverado 1500 trucks are slightly cheaper to insure than the national average. On average, it costs $135 per month, or $1,620 per year, to insure one of these pickups. The national average cost of car insurance is $138 per month, or $1,651 per year.
The average cost of Chevy Silverado 1500 insurance is $94 per month for liability-only insurance and $176 per month for full-coverage insurance.
It depends. A 4x4 truck can add complexity to the vehicle’s engine system, which can potentially increase the cost of insurance. But 4x4 trucks can also offer additional safety and towing power, which may help lower insurance costs, since it reduces the likelihood of a claim.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Good Car Bad Car. "Chevrolet Silverado Sales Figures."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Kelley Blue Book. "2025 Chevrolet Silverado 1500."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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