How Much Does Insurance Cost for a Chevrolet Silverado in Utah?
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UPDATED: Nov 17, 2019
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Our editors have a joke that when writing about car insurance, the word affordable should not appear anywhere in the article as a descriptor for car insurance rates. Be that as it may, cheap auto insurance for a Chevy Silverado is just plain contradictory. Don’t let that get you down, though, because we will tell you how you can find and buy auto insurance that you can fit into your budget.
Your odds of finding affordable coverage for a Chevy Silverado in Utah depends on a pretty complex algorithm that uses a lot of factors like the safety features built into your vehicle, if you have ever had a coverage lapse, and deductible levels for physical damage coverage. Drivers in Utah on average will pay $720 each year to insure a Chevrolet Silverado, but that is a ballpark figure that uses a 40-year-old married female that purchased full comprehensive and collision coverage and $1,000 deductibles.
Chances are that you are not a 40-year-old female, maybe you are single instead of married, or maybe you’re a renter instead of a homeowner. Everone’s needs are different, and this illustrates why the most reliable method for finding the cheapest coverage for your Chevrolet is to shop your policy around at every renewal. Do a quick rate comparison now and you will receive prices from top-rated companies available.
The trim level of your Chevrolet tends to have a direct impact on the cost of insurance, so the cost to insure a Silverado LS Regular Cab 2WD will be $108 less expensive the cost to insure the higher-end Silverado Crew Cab Hybrid 4WD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$96||$176||$318||$18||$96||$704||$59|
|Silverado LS Regular Cab 4WD||$96||$176||$282||$16||$84||$654||$55|
|Silverado LT Regular Cab 2WD||$110||$214||$318||$18||$96||$756||$63|
|Silverado LT Regular Cab||$110||$214||$318||$18||$96||$756||$63|
|Silverado LS Extended Cab 4WD||$110||$214||$282||$16||$84||$706||$59|
|Silverado LT Extended Cab 4WD||$110||$214||$282||$16||$84||$706||$59|
|Silverado LT Extended Cab 2WD||$110||$214||$318||$18||$96||$756||$63|
|Silverado LS Extended Cab 2WD||$110||$214||$318||$18||$96||$756||$63|
|Silverado LT Crew Cab 4WD||$124||$254||$282||$16||$84||$760||$63|
|Silverado LS Crew Cab 2WD||$124||$254||$318||$18||$96||$810||$68|
|Silverado LS Crew Cab 4WD||$124||$254||$282||$16||$84||$760||$63|
|Silverado LT Crew Cab 2WD||$124||$254||$318||$18||$96||$810||$68|
|Silverado LTZ Extended Cab 2WD||$124||$254||$318||$18||$96||$810||$68|
|Silverado LTZ Extended Cab 4WD||$124||$254||$282||$16||$84||$760||$63|
|Silverado LTZ Crew Cab 2WD||$124||$254||$318||$18||$96||$810||$68|
|Silverado LTZ Crew Cab 4WD||$124||$254||$282||$16||$84||$760||$63|
|Silverado Crew Cab Hybrid 2WD||$124||$292||$282||$16||$84||$798||$67|
|Silverado Crew Cab Hybrid 4WD||$138||$292||$282||$16||$84||$812||$68|
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can alter auto insurance rates noticeably.
Insuring your vehicle with the right insurer can be difficult considering how many companies there are in Utah. The company information displayed below may help you select which insurers to look at when looking for cheaper rates. These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Utah or surrounding areas will not be included in this list.
Top 10 Large Car Insurance Companies in Utah Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Progressive – A+
- Allstate – A+
- Nationwide – A+
- The General – A-
Top 10 Large Car Insurance Companies in Utah Ranked by Value
- American Family
- The Hartford
- The General
- State Farm
- AAA Insurance
- 21st Century
Top Companies for Chevrolet Silverado Insurance in Utah
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Car insurance rates are higher with tickets and accidents
In a perfect world, the ideal way to find the most affordable car insurance prices for a Silverado pickup is to be an attentive driver and avoid getting tickets or having accidents. The illustration below shows how traffic citations and at-fault collisions can affect auto insurance costs for different categories of driver ages. The premiums assume a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.
The data above shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,641. Receive two speeding tickets and the average cost swells to $2,266, an increase of $625 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Chevy Silverado increases to an average of $4,559. That’s an increase of $2,918, or $243 per month, just for not driving safely!
Full coverage versus liability-only in Utah
Finding cheap insurance for a Chevy Silverado in Utah is probably important to most people, and an effective way to buy cheaper insurance is to buy only liability coverage. The chart below compares premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied.
If we average the cost for ages 20 through 70, full coverage on your policy costs an extra $1,243 per year over liability only. A very common question is if paying for full coverage is a waste of money. There is no exact rule of when to drop comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
There are some circumstances where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
The diagram below demonstrates how choosing different deductibles can change insurance costs when researching cheap insurance for a Chevy Silverado. Data assumes a single male driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could reduce rates by $262 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $396 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, could reduce their rates $870 every year just by using higher deductibles. If you do raise deductibles, it will be necessary to have enough savings set aside to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
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