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2019 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...

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UPDATED: Apr 9, 2020

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Average insurance rates for a 2019 Chevrolet Silverado are $1,468 a year with full coverage. Comprehensive costs on average $306 a year, collision insurance costs $542, and liability costs $440. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs around $3,168. Teenage drivers receive the highest rates at up to $5,504 a year.

Annual premium for full coverage: $1,468

Rate estimates for 2019 Chevrolet Silverado Insurance

Comprehensive $306
Collision $542
Liability $440

Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 the average driver, prices range range from as low as $510 for a discount liability-only rate to a high of $3,168 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,468
High Risk $3,168

View Chart as Image

2019 Chevrolet Silverado insurance rates compared
Column chart showing 2019 Chevrolet Silverado insurance prices range from $853 to $5,504 for full coverage

These differences demonstrate why it is important for drivers to compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

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 2019 Chevrolet Silverado Insurance

Searching Companies

Finding more affordable prices for insurance coverage might be very difficult for drivers who have little experience online rate comparisons. Drivers have so many agents and companies to choose from that it can quickly become more work than you anticipated to find a cheaper company.

Consumers need to check insurance coverage prices quite often because insurance rates change frequently. Despite the fact that you may have had the best rate for Silverado insurance at your last renewal a different company probably has better prices today. Forget all the misinformation about insurance coverage because you’re about to find out the quickest way to properly buy coverages while reducing your premium.

Affordable insurance coverage quotes with discounts

Car insurance is not cheap, but there are discounts available that you may not know about. Many of these discounts will be applied automatically at the time of purchase, but a few need to be inquired about in order for you to get them.

  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • One Accident Forgiven – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will allow you to have one accident without the usual rate increase if you have no claims before the accident.
  • Switch and Save Discount – A few insurance companies give discounts for switching policies before your current policy expires. You may see this discount when you get auto insurance quotes online.
  • Life Insurance Discount – Insurance carriers who offer life insurance give a discount if you purchase a life policy as well.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts should help lower your policy cost.

Find the Cheapest Quotes in Your Area

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If you would like to view insurers who offer online insurance coverage quotes, enter your zip code here.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • What is the minimum liability in my state?
  • I have a DUI can I still get coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Why am I required to get a high-risk car insurance policy?
  • Can my teen drive my company car?
  • Is pleasure use cheaper than using my 2019 Chevy Silverado 1500 to commute?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete your zip code.

Auto insurance coverage specifics

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, court costs, funeral expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, funeral costs, ambulance fees, hospital visits and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hail damage, vandalism, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

This covers damage to your Silverado 1500 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2019 Chevy Silverado 1500.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Pennies from heaven

Cheaper insurance can be purchased on the web as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. There are still a few companies who may not have the ability to get quotes online and these small, regional companies work with independent agents.

We just presented some good ideas how you can save on 2019 Chevy Silverado 1500 insurance. The key concept to understand is the more companies you get rates for, the better likelihood of getting inexpensive auto insurance. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

People who switch companies do it for any number of reasons including delays in paying claims, not issuing a premium refund, being labeled a high risk driver and high rates after DUI convictions. No matter why you want to switch, choosing a new company can be less work than you think.

Additional detailed information can be read in the articles below:

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2019 Chevrolet Silverado Insurance Rates by City
City Premium
New York City, NY $2,319
Los Angeles, CA $2,508
Philadelphia, PA $1,957
Jacksonville, FL $2,130
Phoenix, AZ $1,705
Chicago, IL $1,966
Houston, TX $2,298
Seattle, WA $1,426
Columbus, OH $1,227
Indianapolis, IN $1,252

Need a specific model?

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Rates by Driver Age

2019 Chevrolet Silverado Insurance Rates by Driver Age
Driver Age Premium
16 $5,504
20 $3,382
30 $1,526
40 $1,468
50 $1,340
60 $1,316

Full coverage, $500 deductibles

Rates by Deductible

2019 Chevrolet Silverado Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,840
$250 $1,668
$500 $1,468
$1,000 $1,276

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,468
50/100 $1,556
100/300 $1,666
250/500 $1,952
100 CSL $1,600
300 CSL $1,842
500 CSL $2,018

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Chevrolet Silverado Insurance Rates for High Risk Drivers
Age Premium
16 $7,842
20 $5,374
30 $3,232
40 $3,168
50 $3,022
60 $2,994

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 $202

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $76
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $94
Paid in Full/EFT $66
Advance Quote $71
Online Quote $103
Total Discounts $615
Rate after discounts $853

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

Find companies with the cheapest rates in your area

2019 Chevrolet Silverado Insurance Rates by State
State Premium
Alabama $1,326
Alaska $1,126
Arizona $1,218
Arkansas $1,468
California $1,672
Colorado $1,398
Connecticut $1,508
Delaware $1,660
Florida $1,836
Georgia $1,356
Hawaii $1,052
Idaho $994
Illinois $1,092
Indiana $1,108
Iowa $992
Kansas $1,394
Kentucky $2,000
Louisiana $2,174
Maine $908
Maryland $1,212
Massachusetts $1,172
Michigan $2,548
Minnesota $1,226
Mississippi $1,760
Missouri $1,302
Montana $1,578
Nebraska $1,158
Nevada $1,760
New Hampshire $1,058
New Jersey $1,640
New Mexico $1,300
New York $1,546
North Carolina $846
North Dakota $1,200
Ohio $1,014
Oklahoma $1,506
Oregon $1,344
Pennsylvania $1,398
Rhode Island $1,958
South Carolina $1,330
South Dakota $1,238
Tennessee $1,284
Texas $1,768
Utah $1,084
Vermont $1,006
Virginia $878
Washington $1,132
West Virginia $1,346
Wisconsin $1,014
Wyoming $1,308

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