Chevrolet Silverado 1500 vs Ford Maverick Insurance Cost
The Ford Maverick is cheaper to insure by about $240 a year for full coverage by our estimate ($1,725 vs. $1,485), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Chevrolet Silverado 1500 | Ford Maverick | Difference |
|---|---|---|---|
| State minimum | $750 | $655 | +$95 |
| Standard (100/300/100) | $1,090 | $950 | +$140 |
| Full coverage | $1,725 | $1,485 | +$240 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Silverado 1500 minus Maverick.
Why one costs more to insure
| Factor | Chevrolet Silverado 1500 | Ford Maverick |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Gasoline, Hybrid, Diesel, Flex-fuel | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 94 | 78 |
| HLDI comprehensive | 90 | 72 |
| HLDI property damage liability | 133 | 109 |
| HLDI bodily injury liability | 141 | 114 |
| NHTSA overall rating | 4★ | 4★ |
| NICB most-stolen rank | #4 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 27 |
Collision losses are the biggest swing factor: the Chevrolet Silverado 1500 has 16 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Ford Maverick. The Chevrolet Silverado 1500 appears on the NICB most-stolen list, adding to comprehensive costs.
Silverado 1500 vs Maverick insurance by state
By driver profile (full coverage)
| Driver | Silverado 1500 | Maverick |
|---|---|---|
| Teen driver (18, own policy) | $4,745 | $4,085 |
| Young adult (22) | $2,760 | $2,375 |
| Adult in their 30s | $1,725 | $1,485 |
| Adult in their 50s | $1,585 | $1,365 |
| Senior (72) | $1,935 | $1,665 |
| 30s, one at-fault accident | $2,500 | $2,155 |
| 30s, DUI on record | $3,190 | $2,750 |
More comparisons
Frequently asked questions
Is the Chevrolet Silverado 1500 or the Ford Maverick cheaper to insure?
By our estimate the Ford Maverick is cheaper, by about $240 a year for full coverage ($1,725 vs. $1,485) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Chevrolet Silverado 1500 and Ford Maverick?
Mostly because of insurance-loss history: HLDI collision indices of 94 vs. 78 and comprehensive indices of 90 vs. 72 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.