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Chevrolet Silverado LTZ Crew Cab 4WD Insurance Rates

The average insurance rates for a Chevrolet Silverado LTZ Crew Cab 4WD are $1,436 a year including full coverage. Comprehensive insurance costs on average $336 each year, collision costs $602, and liability insurance costs around $346. Liability-only insurance costs as low as $410 a year, with high-risk driver insurance costing $3,098 or more. Teen drivers cost the most to insure at $5,208 a year or more.

Annual premium for full coverage: $1,436

Policy rates by individual coverage:

Comprehensive $336
Collision $602
Liability $346

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Chevrolet Silverado Trim Level

For a 40-year-old driver, Chevrolet Silverado LTZ Crew Cab 4WD insurance rates go from as low as $410 for your basic liability-only policy to a high rate of $3,098 for high-risk insurance.

Liability Only $410
Full Coverage $1,436
High Risk $3,098

These price differences highlight why all drivers should compare prices based on a specific location and risk profile, rather than relying on price averages.

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Companies with Cheap Chevrolet Silverado LTZ Crew Cab 4WD Insurance

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Auto insurance rates for a Chevrolet Silverado LTZ Crew Cab 4WD also range considerably based on your risk profile, the replacement cost of your Silverado, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

Your home state has a huge impact on Chevrolet Silverado LTZ Crew Cab 4WD insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like , Indiana, and North Carolina, or as much as $1,890 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $630 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $312 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

View Chart as Image

Chevrolet Silverado LTZ Crew Cab 4WD insurance cost comparison chart
Column chart showing Chevrolet Silverado LTZ Crew Cab 4WD insurance prices range from $820 to $5,208 for full coverage

The chart above shows average Chevrolet Silverado LTZ Crew Cab 4WD insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $820. Drivers who choose higher $1,000 deductibles will pay around $1,224. The average rate for a 40-year-old male driver using $500 deductibles is $1,436. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,852. High risk drivers could be charged around $3,098. The policy rate for full coverage for a teen driver can be as high as $5,208.

Chevrolet Silverado LTZ Crew Cab 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,380-$56-3.9%
Alaska$1,178-$258-18.0%
Arizona$1,442$60.4%
Arkansas$1,456$201.4%
California$1,612$17612.3%
Colorado$1,490$543.8%
Connecticut$1,880$44430.9%
Delaware$1,746$31021.6%
Florida$1,938$50235.0%
Georgia$1,424-$12-0.8%
Hawaii$1,550$1147.9%
Idaho$998-$438-30.5%
Illinois$1,066-$370-25.8%
Indiana$1,022-$414-28.8%
Iowa$1,078-$358-24.9%
Kansas$1,320-$116-8.1%
Kentucky$1,860$42429.5%
Louisiana$2,328$89262.1%
Maine$982-$454-31.6%
Maryland$1,476$402.8%
Massachusetts$1,264-$172-12.0%
Michigan$2,638$1,20283.7%
Minnesota$1,262-$174-12.1%
Mississippi$1,406-$30-2.1%
Missouri$1,224-$212-14.8%
Montana$1,300-$136-9.5%
Nebraska$1,182-$254-17.7%
Nevada$1,854$41829.1%
New Hampshire$1,172-$264-18.4%
New Jersey$1,430-$6-0.4%
New Mexico$1,332-$104-7.2%
New York$1,868$43230.1%
North Carolina$1,020-$416-29.0%
North Dakota$1,396-$40-2.8%
Ohio$1,012-$424-29.5%
Oklahoma$1,746$31021.6%
Oregon$1,344-$92-6.4%
Pennsylvania$1,618$18212.7%
Rhode Island$1,742$30621.3%
South Carolina$1,338-$98-6.8%
South Dakota$1,124-$312-21.7%
Tennessee$1,290-$146-10.2%
Texas$1,380-$56-3.9%
Utah$1,272-$164-11.4%
Vermont$1,022-$414-28.8%
Virginia$1,032-$404-28.1%
Washington$1,264-$172-12.0%
West Virginia$1,462$261.8%
Wisconsin$1,464$281.9%
Wyoming$1,586$15010.4%

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Chevrolet Silverado LTZ Crew Cab 4WD insurance rates by U.S. city

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Rates by Driver Age

Chevrolet Silverado LTZ Crew Cab 4WD Insurance Rates by Driver Age
Driver AgePremium
16$5,208
20$3,304
30$1,508
40$1,436
50$1,306
60$1,284

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Silverado LTZ Crew Cab 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,852
$250$1,660
$500$1,436
$1,000$1,224

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Silverado LTZ Crew Cab 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,436
50/100$1,505
100/300$1,592
250/500$1,817
100 CSL$1,540
300 CSL$1,730
500 CSL$1,869

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Silverado LTZ Crew Cab 4WD Insurance Rates for High Risk Drivers
AgePremium
16$7,452
20$5,246
30$3,176
40$3,098
50$2,954
60$2,922

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 $199

Potential Rate Discounts

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

DiscountSavings
Multi-policy$77
Multi-vehicle$73
Homeowner$20
5-yr Accident Free$109
5-yr Claim Free$93
Paid in Full/EFT$69
Advance Quote$72
Online Quote$103
Total Discounts$616
Rate after discounts $820

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

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