Chevrolet Silverado EV Insurance Cost
Full coverage for a Chevrolet Silverado EV costs about $1,600 a year ($133/month) by our estimate — ▲ +1% versus the average vehicle, ranking 139th cheapest of 310 current models.
Chevrolet Silverado EV 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 2024–2026 model years of the Chevrolet Silverado EV.
| 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. | $595 | $50 | $490–$705 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $865 | $72 | $710–$1,020 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,600 | $133 | $1,310–$1,890 |
What drives the cost of insuring a Chevrolet Silverado EV
HLDI does not publish loss results for the Chevrolet Silverado EV, so our estimate uses the typical losses of its segment (Pickup truck): 0.97× average for liability, 1.10× for collision and 1.10× for comprehensive.
- Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 9 NHTSA recall campaigns and 44 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Chevrolet Silverado EV 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 | MPGe (comb.) | Range |
|---|---|---|---|---|
| Silverado EV Ext Range (11kW Charger) | 4WD | Electric | 68 | 410 mi |
| Silverado EV Ext Range (19kW Charger) | 4WD | Electric | 64 | 385 mi |
| Silverado EV Ext Range WT | 4WD | Electric | 70 | 424 mi |
| Silverado EV Max Range WT (19kW Charger) | 4WD | Electric | 68 | 493 mi |
| Silverado EV Std Range (11kW Charger) | 4WD | Electric | 67 | 283 mi |
| Silverado EV Std Range WT (11kW Charger) | 4WD | Electric | 68 | 286 mi |
Chevrolet Silverado EV 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 | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2026 | Electric | 4WD | — | $1,600 |
| 2025 | Electric | 4WD | — | $1,565 |
| 2024 | Electric | AWD | — | $1,530 |
Chevrolet Silverado EV 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.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,400 | $465 | −13% |
| Alaska | $1,400 | $605 | −13% |
| Arizona | $1,675 | $640 | +5% |
| Arkansas | $1,425 | $435 | −11% |
| California | $1,570 | $555 | −2% |
| Colorado | $1,835 | $630 | +15% |
| Connecticut | $1,690 | $690 | +6% |
| Delaware | $1,765 | $780 | +10% |
| District of Columbia | $2,015 | $720 | +26% |
| Florida | $2,250 | $1,045 | +41% |
| Georgia | $1,960 | $845 | +23% |
| Hawaii | $1,105 | $420 | −31% |
| Idaho | $1,090 | $390 | −32% |
| Illinois | $1,390 | $485 | −13% |
| Indiana | $1,145 | $390 | −28% |
| Iowa | $1,110 | $300 | −31% |
| Kansas | $1,300 | $390 | −19% |
| Kentucky | $1,345 | $510 | −16% |
| Louisiana | $2,210 | $770 | +38% |
| Maine | $1,025 | $410 | −36% |
| Maryland | $1,785 | $730 | +12% |
| Massachusetts | $1,570 | $575 | −2% |
| Michigan | $1,745 | $745 | +9% |
| Minnesota | $1,350 | $455 | −16% |
| Mississippi | $1,540 | $515 | −4% |
| Missouri | $1,465 | $495 | −8% |
| Montana | $1,300 | $380 | −19% |
| Nebraska | $1,300 | $390 | −19% |
| Nevada | $1,805 | $840 | +13% |
| New Hampshire | $1,140 | $390 | −29% |
| New Jersey | $1,905 | $910 | +19% |
| New Mexico | $1,440 | $505 | −10% |
| New York | $2,125 | $900 | +33% |
| North Carolina | $1,205 | $435 | −25% |
| North Dakota | $1,050 | $270 | −34% |
| Ohio | $1,150 | $390 | −28% |
| Oklahoma | $1,460 | $455 | −9% |
| Oregon | $1,425 | $605 | −11% |
| Pennsylvania | $1,405 | $415 | −12% |
| Rhode Island | $1,915 | $795 | +20% |
| South Carolina | $1,700 | $710 | +6% |
| South Dakota | $1,265 | $305 | −21% |
| Tennessee | $1,340 | $440 | −16% |
| Texas | $1,910 | $670 | +19% |
| Utah | $1,440 | $635 | −10% |
| Vermont | $1,050 | $310 | −34% |
| Virginia | $1,375 | $610 | −14% |
| Washington | $1,385 | $570 | −13% |
| West Virginia | $1,355 | $425 | −15% |
| Wisconsin | $1,105 | $360 | −31% |
| Wyoming | $1,285 | $315 | −20% |
Chevrolet Silverado EV insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,640 | $2,375 | $4,400 | $367 |
| Young adult (22) | $955 | $1,380 | $2,560 | $213 |
| Adult in their 30s | $595 | $865 | $1,600 | $133 |
| Adult in their 50s | $550 | $795 | $1,470 | $123 |
| Senior (72) | $665 | $965 | $1,790 | $149 |
| 30s, one at-fault accident | $865 | $1,250 | $2,320 | $193 |
| 30s, DUI on record | $1,100 | $1,595 | $2,960 | $247 |
Chevrolet Silverado EV vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Chevrolet Silverado EV | $1,600 | — | — | — |
| Toyota Tacoma | $1,375 | 87 | 86 | — |
| Ford F-150 | $1,580 | 92 | 84 | — |
| Tesla Cybertruck | $1,600 | — | — | — |
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Other Chevrolet models
- Blazer EV $1,520/yr
- Bolt EV $1,610/yr
- Corvette $1,520/yr
- Equinox $1,470/yr
- Equinox EV $1,520/yr
- Suburban $1,610/yr
- Tahoe $1,450/yr
- Traverse $1,050/yr
- Blazer $1,510/yr
- Colorado $1,355/yr
- Silverado 1500 $1,725/yr
- Trailblazer $1,475/yr
- Trax $1,430/yr
- Malibu $2,055/yr
- Camaro $2,245/yr
- Bolt EUV $1,395/yr
- Spark $1,390/yr
- Impala $1,375/yr
- Sonic $1,305/yr
- Cruze $1,310/yr
- Volt $1,310/yr
- City Express $1,280/yr
- Express $1,250/yr
- SS $1,300/yr
- Captiva Sport $1,200/yr
- Avalanche $1,240/yr
- Aveo $1,220/yr
- HHR $1,190/yr
- Cobalt $1,245/yr
- Malibu Classic $1,255/yr
Frequently asked questions
How much is insurance for a Chevrolet Silverado EV?
We estimate about $1,600 a year ($133 a month) for full coverage and $595 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 1% more than the average vehicle.
Which state is cheapest to insure a Chevrolet Silverado EV?
Maine has the lowest estimate (about $1,025 a year for full coverage) and Florida the highest (about $2,250).
What is the Chevrolet Silverado EV's NHTSA safety rating?
The 2026 Chevrolet Silverado EV earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Chevrolet Silverado EV cheaper to insure than the Toyota Tacoma?
By our estimate the Chevrolet Silverado EV costs about $1,600 a year versus $1,400 for the Toyota Tacoma, making the Toyota Tacoma cheaper to insure.
How much is Chevrolet Silverado EV insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,400 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.