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2015 Chevrolet Silverado Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 23, 2020

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Average insurance rates for a 2015 Chevrolet Silverado are $1,390 a year including full coverage. Comprehensive costs approximately $250, collision costs $450, and liability costs $510. Buying a liability-only policy costs as little as $568 a year, with high-risk insurance costing around $3,010. Teen drivers receive the highest rates at $5,390 a year or more.

Annual premium for full coverage: $1,390

Rate estimates for 2015 Chevrolet Silverado Insurance

Comprehensive $250
Collision $450
Liability $510

Rate data is compiled from all 50 U.S. states and averaged for all 2015 Chevrolet Silverado models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $568 for just liability coverage to the much higher price of $3,010 for a driver who has had serious violations or accidents.

Liability Only $568
Full Coverage $1,390
High Risk $3,010

View Chart as Image

2015 Chevrolet Silverado insurance rates compared
Column chart showing 2015 Chevrolet Silverado insurance prices range from $811 to $5,390 for full coverage

These differences highlight why everyone should compare rates using their specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2015 Chevrolet Silverado Insurance

Searching Companies

Looking for cheaper insurance coverage rates for your Chevrolet Silverado 1500? People who are new to price shopping insurance online could find purchasing low-cost insurance coverage to be a formidable task.

You need to get comparison quotes yearly because prices change frequently. Despite the fact that you may have had the best price for Silverado coverage a year ago there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but I’m going to show you some proven techniques to reduce your insurance coverage bill.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Nevertheless, vehicle owners need to learn the way insurance companies determine prices and apply this information to your search.

Get lower rates on 2015 Chevy Silverado 1500 insurance

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on insurance coverage.

  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.
  • Claim Free – Drivers who don’t have accidents pay much less as compared to bad drivers.
  • Student Driver Training – Have your child complete a driver education course in school.
  • Distant Student – Children who live away from home without a vehicle on campus may qualify for this discount.

Drivers should understand that most discounts do not apply the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

To see a list of insurance companies offering insurance coverage discounts, click here.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • What can I do if my company denied a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need motorclub coverage?
  • Is my babysitter covered when using my vehicle?
  • How much liability do I need to cover my assets?
  • Do I have coverage when pulling a U-Haul trailer?
  • What companies insure drivers after a DUI or DWI?
  • Is there coverage for injuries to my pets?
  • Can my teen drive my company car?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Misconceptions in auto insurance advertisements

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies say the same thing about savings after switching your coverage to them. How do they all claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver they prefer to insure. An example of a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and drives less than 7,500 miles a year. A propective insured who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don’t meet these standards will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can make the claims of big savings. This emphasizes why drivers must compare as many rates as you can. You cannot predict which company will fit your personal profile best.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverages – This will pay to fix damage to your Silverado 1500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability – This can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as repair costs for stationary objects, loss of income, attorney fees, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hail damage, damage from a tornado or hurricane, vandalism and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills like chiropractic care, nursing services and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Have the Midas touch

Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, delays in paying claims, poor customer service and even an unsatisfactory settlement offer. Whatever your reason, finding a new insurance company is easier than you think.

We’ve covered many tips how you can lower your 2015 Chevy Silverado 1500 insurance rates. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from a small local company.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

More information is located at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Chevrolet Silverado Insurance Rates by City
City Premium
New York City, NY $2,193
Los Angeles, CA $2,373
Philadelphia, PA $1,851
Jacksonville, FL $2,016
Phoenix, AZ $1,613
Chicago, IL $1,858
Houston, TX $2,174
Seattle, WA $1,348
Columbus, OH $1,159
Indianapolis, IN $1,182

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Chevrolet Silverado Insurance Rates by Driver Age
Driver Age Premium
16 $5,390
20 $3,212
30 $1,432
40 $1,390
50 $1,274
60 $1,248

Full coverage, $500 deductibles

Rates by Deductible

2015 Chevrolet Silverado Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,554
$500 $1,390
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,390
50/100 $1,492
100/300 $1,620
250/500 $1,951
100 CSL $1,543
300 CSL $1,824
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Chevrolet Silverado Insurance Rates for High Risk Drivers
Age Premium
16 $7,654
20 $5,118
30 $3,058
40 $3,010
50 $2,878
60 $2,852

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $97
5-yr Claim Free $89
Paid in Full/EFT $59
Advance Quote $67
Online Quote $97
Total Discounts $579
Rate after discounts $811

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2015 Chevrolet Silverado Insurance Rates by State
State Premium
Alabama $1,254
Alaska $1,064
Arizona $1,152
Arkansas $1,390
California $1,582
Colorado $1,324
Connecticut $1,426
Delaware $1,570
Florida $1,738
Georgia $1,282
Hawaii $994
Idaho $940
Illinois $1,032
Indiana $1,046
Iowa $936
Kansas $1,316
Kentucky $1,894
Louisiana $2,056
Maine $858
Maryland $1,144
Massachusetts $1,110
Michigan $2,408
Minnesota $1,160
Mississippi $1,662
Missouri $1,230
Montana $1,490
Nebraska $1,094
Nevada $1,664
New Hampshire $1,002
New Jersey $1,552
New Mexico $1,228
New York $1,462
North Carolina $800
North Dakota $1,138
Ohio $958
Oklahoma $1,426
Oregon $1,272
Pennsylvania $1,322
Rhode Island $1,852
South Carolina $1,260
South Dakota $1,172
Tennessee $1,214
Texas $1,672
Utah $1,026
Vermont $950
Virginia $832
Washington $1,070
West Virginia $1,272
Wisconsin $960
Wyoming $1,236

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