Ford F-150 vs Chevrolet Silverado 1500 Insurance Cost
The Ford F-150 is cheaper to insure by about $145 a year for full coverage by our estimate ($1,580 vs. $1,725), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Ford F-150 | Chevrolet Silverado 1500 | Difference |
|---|---|---|---|
| State minimum | $665 | $750 | −$85 |
| Standard (100/300/100) | $960 | $1,090 | −$130 |
| Full coverage | $1,580 | $1,725 | −$145 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = F-150 minus Silverado 1500.
Why one costs more to insure
| Factor | Ford F-150 | Chevrolet Silverado 1500 |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Gasoline, Hybrid, Diesel, Flex-fuel | Gasoline, Hybrid, Diesel, Flex-fuel |
| HLDI collision (100 = avg) | 92 | 94 |
| HLDI comprehensive | 84 | 90 |
| HLDI property damage liability | 110 | 133 |
| HLDI bodily injury liability | 121 | 141 |
| NHTSA overall rating | 5★ | 4★ |
| NICB most-stolen rank | #7 | #4 |
| Recalls (latest 3 model years) | 23 | 5 |
Collision losses are the biggest swing factor: the Chevrolet Silverado 1500 has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
F-150 vs Silverado 1500 insurance by state
By driver profile (full coverage)
| Driver | F-150 | Silverado 1500 |
|---|---|---|
| Teen driver (18, own policy) | $4,345 | $4,745 |
| Young adult (22) | $2,530 | $2,760 |
| Adult in their 30s | $1,580 | $1,725 |
| Adult in their 50s | $1,455 | $1,585 |
| Senior (72) | $1,770 | $1,935 |
| 30s, one at-fault accident | $2,290 | $2,500 |
| 30s, DUI on record | $2,925 | $3,190 |
More comparisons
Frequently asked questions
Is the Ford F-150 or the Chevrolet Silverado 1500 cheaper to insure?
By our estimate the Ford F-150 is cheaper, by about $145 a year for full coverage ($1,580 vs. $1,725) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Ford F-150 and Chevrolet Silverado 1500?
Mostly because of insurance-loss history: HLDI collision indices of 92 vs. 94 and comprehensive indices of 84 vs. 90 (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.