Chevrolet Silverado 1500 Insurance Cost
Full coverage for a Chevrolet Silverado 1500 costs about $1,725 a year ($144/month) by our estimate — ▲ +8% versus the average vehicle, ranking 185th cheapest of 310 current models.
Chevrolet Silverado 1500 insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Chevrolet Silverado 1500.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $750 | $63 | $615–$885 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,090 | $91 | $890–$1,285 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,725 | $144 | $1,415–$2,035 |
What drives the cost of insuring a Chevrolet Silverado 1500
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Chevrolet Silverado 1500's results put our vehicle factor at 1.22× for liability, 0.95× for collision and 0.96× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 94 | Better than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 90 | Better than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 133 | Much worse than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 141 | Much worse than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 97 | Average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 101 | Average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (6)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Chevrolet Silverado 1500 crew cab | 94 | 90 | 133 | 141 |
| Chevrolet Silverado 1500 crew cab 4WD | 89 | 98 | 120 | 111 |
| Chevrolet Silverado 1500 ext. cab 4WD | 75 | 71 | 99 | 93 |
| Chevrolet Silverado 1500 | 70 | 70 | 152 | — |
| Chevrolet Silverado 1500 ext. cab | 95 | 61 | 161 | — |
| Chevrolet Silverado 1500 4WD | 79 | — | 138 | — |
- Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
- Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Theft: #4 on the NICB national most-stolen list, which raises comprehensive premiums.
- Recalls & complaints: 5 NHTSA recall campaigns and 508 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Chevrolet Silverado 1500 trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Silverado (with Sport Mode) 2WD | RWD | 2.7L 4-cyl Turbo | 19 |
| Silverado (with Sport Mode) 2WD | RWD | 5.3L 8-cyl | 18 |
| Silverado (with Sport Mode) 4WD | 4WD | 3.0L 6-cyl Turbo Diesel | 24 |
| Silverado (with Sport Mode) 4WD | 4WD | 5.3L 8-cyl | 17 |
| Silverado (with Sport Mode) 4WD M6 | 4WD | 2.7L 4-cyl Turbo | 18 |
| Silverado 2WD | RWD | 2.7L 4-cyl Turbo | 20 |
| Silverado 2WD | RWD | 3.0L 6-cyl Turbo Diesel | 25 |
| Silverado 2WD | RWD | 5.3L 8-cyl | 17 |
| Silverado 4WD | 4WD | 3.0L 6-cyl Turbo Diesel | 23 |
| Silverado 4WD | 4WD | 5.3L 8-cyl | 17 |
| Silverado 4WD | 4WD | 6.2L 8-cyl | 17 |
| Silverado 4WD (Flex Fuel) | 4WD | 5.3L 8-cyl | 17 |
Chevrolet Silverado 1500 insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 15–25 | $1,725 |
| 2025 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 15–26 | $1,695 |
| 2024 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 15–26 | $1,665 |
| 2023 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 15–26 | $1,635 |
| 2022 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl | 4WD, RWD | 14–26 | $1,605 |
| 2021 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.3L 6-cyl | 4WD, RWD | 15–27 | $1,575 |
| 2020 | 2.7L 4-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.3L 6-cyl | 4WD, RWD | 15–27 | $1,545 |
| 2019 | 2.7L 4-cyl Turbo, 4.3L 6-cyl, 5.3L 8-cyl | 4WD, RWD | 16–21 | $1,515 |
| 2018 | 4.3L 6-cyl, 5.3L 8-cyl, 5.3L 8-cyl Hybrid | 4WD, RWD | 17–20 | $1,485 |
| 2017 | 4.3L 6-cyl, 5.3L 8-cyl, 5.3L 8-cyl Hybrid | 4WD, RWD | 17–20 | $1,455 |
| 2016 | 4.3L 6-cyl, 5.3L 8-cyl, 5.3L 8-cyl Hybrid | 4WD, RWD | 17–20 | $1,425 |
| 2015 | 4.3L 6-cyl, 5.3L 8-cyl, 6.2L 8-cyl | 4WD, RWD | 17–20 | $1,420 |
| 2014 | 4.3L 6-cyl, 5.3L 8-cyl, 6.2L 8-cyl | 4WD, RWD | 17–20 | $1,420 |
| 2013 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD, RWD | 14–21 | $1,420 |
| 2012 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD, RWD | 14–21 | $1,420 |
| 2011 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD, RWD | 14–21 | $1,420 |
| 2010 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD, RWD | 14–22 | $1,420 |
| 2009 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD/AWD, RWD | 14–21 | $1,420 |
| 2008 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD/AWD, RWD | 14–17 | $1,420 |
| 2007 | 4.3L 6-cyl, 4.8L 8-cyl, 5.3L 8-cyl | 4WD/AWD, RWD | 14–17 | $1,420 |
Chevrolet Silverado 1500 insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Silverado 1500 page for that state.
Chevrolet Silverado 1500 insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,065 | $2,990 | $4,745 | $395 |
| Young adult (22) | $1,200 | $1,740 | $2,760 | $230 |
| Adult in their 30s | $750 | $1,090 | $1,725 | $144 |
| Adult in their 50s | $690 | $1,000 | $1,585 | $132 |
| Senior (72) | $840 | $1,220 | $1,935 | $161 |
| 30s, one at-fault accident | $1,090 | $1,575 | $2,500 | $208 |
| 30s, DUI on record | $1,390 | $2,010 | $3,190 | $266 |
Chevrolet Silverado 1500 vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Chevrolet Silverado 1500 | $1,725 | 94 | 90 | — |
| Ford F-150 | $1,580 | 92 | 84 | Compare |
| Ford Maverick | $1,485 | 78 | 72 | Compare |
| Ram 1500 | $1,785 | 99 | 108 | Compare |
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Frequently asked questions
How much is insurance for a Chevrolet Silverado 1500?
We estimate about $1,725 a year ($144 a month) for full coverage and $750 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 8% more than the average vehicle.
Is the Chevrolet Silverado 1500 expensive to insure?
HLDI insurance-loss data rates it at 94 for collision and 90 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.
Which state is cheapest to insure a Chevrolet Silverado 1500?
North Dakota has the lowest estimate (about $1,065 a year for full coverage) and Florida the highest (about $2,545).
What is the Chevrolet Silverado 1500's NHTSA safety rating?
The 2026 Chevrolet Silverado 1500 earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Chevrolet Silverado 1500 a commonly stolen car?
Yes. It ranks #4 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.
Is the Chevrolet Silverado 1500 cheaper to insure than the Ford F-150?
By our estimate the Chevrolet Silverado 1500 costs about $1,725 a year versus $1,610 for the Ford F-150, making the Ford F-150 cheaper to insure.
How much is Chevrolet Silverado 1500 insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,745 a year at national-average rates by our estimate.
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.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NICB most-stolen vehicles report
- NHTSA recalls and complaints database