Chevrolet Silverado 1500 vs Ram 1500 Insurance Cost

The Chevrolet Silverado 1500 is cheaper to insure by about $60 a year for full coverage by our estimate ($1,725 vs. $1,785), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Chevrolet Silverado 1500	Ram 1500	Difference
State minimum	$750	$740	+$10
Standard (100/300/100)	$1,090	$1,070	+$20
Full coverage	$1,725	$1,785	−$60

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Silverado 1500 minus 1500.

Why one costs more to insure

Factor	Chevrolet Silverado 1500	Ram 1500
Segment	Pickup truck	Pickup truck
Powertrains	Gasoline, Hybrid, Diesel, Flex-fuel	Gasoline, Hybrid, Diesel, Flex-fuel
HLDI collision (100 = avg)	94	99
HLDI comprehensive	90	108
HLDI property damage liability	133	132
HLDI bodily injury liability	141	136
NHTSA overall rating	4★	4★
NICB most-stolen rank	#4	Not in top 10
Recalls (latest 3 model years)	5	10

Collision losses are the biggest swing factor: the Ram 1500 has 5 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Chevrolet Silverado 1500. The Chevrolet Silverado 1500 appears on the NICB most-stolen list, adding to comprehensive costs.

Silverado 1500 vs 1500 insurance by state

State	Silverado 1500	1500	Difference
Alabama	$1,480	$1,545	−$65
Alaska	$1,500	$1,555	−$55
Arizona	$1,820	$1,880	−$60
Arkansas	$1,485	$1,560	−$75
California	$1,660	$1,725	−$65
Colorado	$1,950	$2,040	−$90
Connecticut	$1,855	$1,905	−$50
Delaware	$1,970	$2,015	−$45
District of Columbia	$2,155	$2,235	−$80
Florida	$2,545	$2,595	−$50
Georgia	$2,180	$2,235	−$55
Hawaii	$1,170	$1,215	−$45
Idaho	$1,165	$1,210	−$45
Illinois	$1,480	$1,540	−$60
Indiana	$1,215	$1,265	−$50
Iowa	$1,140	$1,205	−$65
Kansas	$1,350	$1,425	−$75
Kentucky	$1,460	$1,510	−$50
Louisiana	$2,400	$2,480	−$80
Maine	$1,085	$1,130	−$45
Maryland	$1,950	$2,005	−$55
Massachusetts	$1,685	$1,745	−$60
Michigan	$1,865	$1,930	−$65
Minnesota	$1,420	$1,490	−$70
Mississippi	$1,630	$1,705	−$75
Missouri	$1,550	$1,620	−$70
Montana	$1,345	$1,420	−$75
Nebraska	$1,350	$1,425	−$75
Nevada	$2,045	$2,080	−$35
New Hampshire	$1,210	$1,260	−$50
New Jersey	$2,125	$2,170	−$45
New Mexico	$1,535	$1,600	−$65
New York	$2,355	$2,415	−$60
North Carolina	$1,250	$1,310	−$60
North Dakota	$1,065	$1,130	−$65
Ohio	$1,220	$1,270	−$50
Oklahoma	$1,525	$1,600	−$75
Oregon	$1,580	$1,620	−$40
Pennsylvania	$1,480	$1,545	−$65
Rhode Island	$2,110	$2,165	−$55
South Carolina	$1,880	$1,930	−$50
South Dakota	$1,270	$1,360	−$90
Tennessee	$1,410	$1,470	−$60
Texas	$2,025	$2,115	−$90
Utah	$1,590	$1,630	−$40
Vermont	$1,085	$1,140	−$55
Virginia	$1,480	$1,535	−$55
Washington	$1,525	$1,565	−$40
West Virginia	$1,415	$1,485	−$70
Wisconsin	$1,165	$1,220	−$55
Wyoming	$1,295	$1,390	−$95

By driver profile (full coverage)

Driver	Silverado 1500	1500
Teen driver (18, own policy)	$4,745	$4,910
Young adult (22)	$2,760	$2,860
Adult in their 30s	$1,725	$1,785
Adult in their 50s	$1,585	$1,645
Senior (72)	$1,935	$2,000
30s, one at-fault accident	$2,500	$2,590
30s, DUI on record	$3,190	$3,305

More comparisons

Frequently asked questions

Is the Chevrolet Silverado 1500 or the Ram 1500 cheaper to insure?

By our estimate the Chevrolet Silverado 1500 is cheaper, by about $60 a year for full coverage ($1,725 vs. $1,785) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Chevrolet Silverado 1500 and Ram 1500?

Mostly because of insurance-loss history: HLDI collision indices of 94 vs. 99 and comprehensive indices of 90 vs. 108 (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.

Sources used on this page