Are you considering insuring your Chevrolet Silverado 1500 in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Chevrolet Silverado 1500 can vary widely based on factors such as your location, driving history, and vehicle model year.
The average annual cost to insure a 2023 Chevrolet Silverado 1500 is $2,456. However, this rate can vary depending on the model year. For example, a 2021 Silverado 1500 might cost around $2,226 annually, while a 2018 model could be more affordable at $2,055 per year.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Chevrolet Silverado 1500.
What is the cost to insure your Chevrolet Silverado 1500 in 2025?
On average, insuring a Chevrolet Silverado 1500 costs $201 per month – or $2,413 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Chevrolet Silverado 1500
Nationwide provides the most affordable car insurance for your Chevrolet Silverado 1500, with an average annual rate of $1,886, or $157 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Chevrolet Silverado 1500.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,886 | $943 | $157 |
| Geico | $2,020 | $1,010 | $168 |
| State Farm | $2,087 | $1,043 | $174 |
| Progressive | $2,310 | $1,155 | $193 |
| Farmers | $2,769 | $1,384 | $231 |
| Allstate | $3,417 | $1,709 | $285 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Chevrolet Silverado 1500 car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Chevrolet Silverado 1500 will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Chevrolet Silverado 1500, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,756 | $878 | $146 |
| 2015 | $1,847 | $924 | $154 |
| 2016 | $1,942 | $971 | $162 |
| 2017 | $2,017 | $1,009 | $168 |
| 2018 | $2,055 | $1,027 | $171 |
| 2019 | $2,110 | $1,055 | $176 |
| 2020 | $2,158 | $1,079 | $180 |
| 2021 | $2,226 | $1,113 | $185 |
| 2022 | $2,366 | $1,183 | $197 |
| 2023 | $2,456 | $1,228 | $205 |
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Chevrolet Silverado 1500 car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Chevrolet Silverado 1500. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For example, higher trims like the Silverado 1500 High Country, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Chevrolet Silverado 1500.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Silverado 1500 WT | $2,276 | $1,138 | $190 |
| Silverado 1500 Custom | $2,335 | $1,167 | $195 |
| Silverado 1500 LT Fleet | $2,351 | $1,176 | $196 |
| Silverado 1500 LT | $2,415 | $1,208 | $201 |
| Silverado 1500 Custom Trail Boss | $2,425 | $1,212 | $202 |
| Silverado 1500 RST | $2,465 | $1,232 | $205 |
| Silverado 1500 LT Trail Boss | $2,479 | $1,239 | $207 |
| Silverado 1500 LTZ | $2,481 | $1,241 | $207 |
| Silverado 1500 High Country | $2,567 | $1,283 | $214 |
Chevrolet Silverado 1500 insurance rates: State-by-state breakdown
Insurance costs for a Chevrolet Silverado 1500 vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Chevrolet Silverado 1500 in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,313 | $1,156 | $193 |
| Alabama | $2,322 | $1,161 | $194 |
| Arkansas | $2,643 | $1,321 | $220 |
| Arizona | $2,376 | $1,188 | $198 |
| California | $2,942 | $1,471 | $245 |
| Colorado | $3,115 | $1,558 | $260 |
| Connecticut | $2,411 | $1,205 | $201 |
| Washington, D.C. | $2,959 | $1,479 | $247 |
| Delaware | $2,410 | $1,205 | $201 |
| Florida | $2,871 | $1,435 | $239 |
| Georgia | $2,870 | $1,435 | $239 |
| Hawaii | $1,541 | $771 | $128 |
| Iowa | $2,048 | $1,024 | $171 |
| Idaho | $1,618 | $809 | $135 |
| Illinois | $2,367 | $1,183 | $197 |
| Indiana | $2,235 | $1,118 | $186 |
| Kansas | $2,574 | $1,287 | $214 |
| Kentucky | $2,863 | $1,431 | $239 |
| Louisiana | $3,934 | $1,967 | $328 |
| Massachusetts | $2,145 | $1,072 | $179 |
| Maryland | $2,241 | $1,121 | $187 |
| Maine | $1,667 | $834 | $139 |
| Michigan | $2,936 | $1,468 | $245 |
| Minnesota | $2,674 | $1,337 | $223 |
| Missouri | $2,760 | $1,380 | $230 |
| Mississippi | $2,610 | $1,305 | $218 |
| Montana | $2,662 | $1,331 | $222 |
| North Carolina | $1,772 | $886 | $148 |
| North Dakota | $2,223 | $1,111 | $185 |
| Nebraska | $2,594 | $1,297 | $216 |
| New Hampshire | $1,796 | $898 | $150 |
| New Jersey | $2,226 | $1,113 | $186 |
| New Mexico | $2,516 | $1,258 | $210 |
| Nevada | $2,315 | $1,157 | $193 |
| New York | $1,809 | $904 | $151 |
| Ohio | $1,883 | $942 | $157 |
| Oklahoma | $2,611 | $1,306 | $218 |
| Oregon | $2,341 | $1,170 | $195 |
| Pennsylvania | $2,512 | $1,256 | $209 |
| Rhode Island | $2,850 | $1,425 | $238 |
| South Carolina | $2,362 | $1,181 | $197 |
| South Dakota | $2,869 | $1,434 | $239 |
| Tennessee | $2,650 | $1,325 | $221 |
| Texas | $3,526 | $1,763 | $294 |
| Utah | $1,967 | $983 | $164 |
| Virginia | $1,856 | $928 | $155 |
| Vermont | $1,691 | $845 | $141 |
| Washington | $1,904 | $952 | $159 |
| Wisconsin | $1,894 | $947 | $158 |
| West Virginia | $2,329 | $1,164 | $194 |
| Wyoming | $2,539 | $1,270 | $212 |
How your age impacts Chevrolet Silverado 1500 insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,878 | $4,439 | $740 |
| Adults | $2,413 | $1,206 | $201 |
The bottom line
It’s essential to know how much it will cost to insure your Chevrolet Silverado 1500 so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your location.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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