Cheap Insurance for a Chevrolet Silverado in Massachusetts
Enter your Massachusetts zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 15, 2019
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Buying the cheapest car insurance for a Chevy Silverado in Massachusetts is contingent on a complicated rating formula that uses factors like how far you drive to work, your credit rating, and driving violations and tickets. Drivers pay approximately $900 each year to insure a Silverado, but that price is a valuation that uses a 40-year-old married female that includes both comprehensive and collision coverage and $1,000 policy deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not exactly 40 years old and possibly not even female, single instead of married, or maybe you have a speeding ticket that needs to be factored in. Using even a minor difference in input factors can produce large changes in rate quotes.
Every driver’s needs are different, and that is why your best shot at finding the cheapest insurance price for your Chevrolet is to put in the effort and compare rates.
The specific trim level has an effect on price, so the rate you will pay to insure a Silverado LS Regular Cab 2WD trim level will be $134 cheaper than the cost to insure the more expensive Silverado Crew Cab Hybrid 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$120||$220||$396||$24||$118||$878||$73|
|Silverado LS Regular Cab 4WD||$120||$220||$350||$20||$106||$816||$68|
|Silverado LT Regular Cab 2WD||$138||$268||$396||$24||$118||$944||$79|
|Silverado LT Regular Cab||$138||$268||$396||$24||$118||$944||$79|
|Silverado LS Extended Cab 4WD||$138||$268||$350||$20||$106||$882||$74|
|Silverado LT Extended Cab 4WD||$138||$268||$350||$20||$106||$882||$74|
|Silverado LT Extended Cab 2WD||$138||$268||$396||$24||$118||$944||$79|
|Silverado LS Extended Cab 2WD||$138||$268||$396||$24||$118||$944||$79|
|Silverado LT Crew Cab 4WD||$154||$316||$350||$20||$106||$946||$79|
|Silverado LS Crew Cab 2WD||$154||$316||$396||$24||$118||$1,008||$84|
|Silverado LS Crew Cab 4WD||$154||$316||$350||$20||$106||$946||$79|
|Silverado LT Crew Cab 2WD||$154||$316||$396||$24||$118||$1,008||$84|
|Silverado LTZ Extended Cab 2WD||$154||$316||$396||$24||$118||$1,008||$84|
|Silverado LTZ Extended Cab 4WD||$154||$316||$350||$20||$106||$946||$79|
|Silverado LTZ Crew Cab 2WD||$154||$316||$396||$24||$118||$1,008||$84|
|Silverado LTZ Crew Cab 4WD||$154||$316||$350||$20||$106||$946||$79|
|Silverado Crew Cab Hybrid 2WD||$154||$364||$350||$20||$106||$994||$83|
|Silverado Crew Cab Hybrid 4WD||$172||$364||$350||$20||$106||$1,012||$84|
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate information does not factor in zip code location which can alter price quotes significantly.
Selecting the right insurance company can be a challenge considering how many companies sell insurance in Massachusetts. The company rank data below can help you analyze which auto insurers to look at purchasing a policy from. These rankings include the companies with a significant amount of written premium nationwide, so smaller companies will not be included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Bad driving habits will cost you more
The easiest method to get cheap insurance for a Chevy Silverado in Massachusetts is to be an attentive driver and avoid tickets and accidents. The diagram below illustrates how violations and accidents influence car insurance costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
The data above shows the average cost of car insurance in Massachusetts per year with a clean driving record and no accidents is $2,095. Receive two speeding tickets and the average cost surges to $2,904, an increase of $809 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Chevy Silverado goes up to an average of $5,674. That’s an increase of $3,580, or $298 per month, just for not being more responsible behind the wheel!
The example below demonstrates how deductible levels can affect yearly insurance costs when getting quotes for cheap insurance for a Chevy Silverado. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
In the chart above, a 50-year-old driver could save $360 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $544 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could drop their prices as much as $1,212 or more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Best rates: Progressive, Allstate, State Farm, or Geico
When researching insurance for a Silverado pickup in Massachusetts, four companies to take a look at are Progressive, Allstate, State Farm, and Geico. Each one has slightly different coverages and options that can influence your buying decision. The data below breaks down price, claims, and customer service ratings, as well as some optional coverages shoppers can expect to find with each one.
|New car replacement insurance||No||Yes||No||No|
|Accident forgiveness coverage||Yes||Yes||No||Yes|
|Rate for vehicle usage||Yes||Yes||Yes||No|
|Emergency roadside assistance||Yes||Yes||Yes||Yes|
|Available in Massachusetts||Yes||Yes||Yes||Yes|
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