Finding the cheapest coverage for a Chevy Silverado in Arizona doesn’t take a lot of effort, but it is dependent upon a large number of factors such as annual miles driven, if you have recent claims, and driving violations and tickets. Drivers pay around $1,441 per year for Silverado insurance, but that figure is an approximation based on a 30-year-old single female driver with full physical damage coverage and $100 deductibles.
When projecting a rate like this, the problem is that you’re not a 30-year-old female, you might be married instead of single, and you need different coverage limits than the sample rates. There is no perfect policy for every driver, so the only way to find affordable rates for your Chevrolet is to just compare rates yourself. In just a couple of minutes you will be able to see rates from some of the most affordable companies available.
Compare Chevrolet Silverado Insurance Rates
The specific trim level can impact the yearly cost, so the price you will be charged to insure a Silverado LS Regular Cab 2WD model will be $346 cheaper than the price to insure the more well-appointed Silverado Crew Cab Hybrid 4WD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado LS Regular Cab 2WD | $250 | $470 | $458 | $28 | $136 | $1,342 | $112 |
| Silverado LS Regular Cab 4WD | $250 | $470 | $404 | $24 | $122 | $1,270 | $106 |
| Silverado LT Regular Cab 2WD | $286 | $574 | $458 | $28 | $136 | $1,482 | $124 |
| Silverado LT Regular Cab | $286 | $574 | $458 | $28 | $136 | $1,482 | $124 |
| Silverado LS Extended Cab 4WD | $286 | $574 | $404 | $24 | $122 | $1,410 | $118 |
| Silverado LT Extended Cab 4WD | $286 | $574 | $404 | $24 | $122 | $1,410 | $118 |
| Silverado LT Extended Cab 2WD | $286 | $574 | $458 | $28 | $136 | $1,482 | $124 |
| Silverado LS Extended Cab 2WD | $286 | $574 | $458 | $28 | $136 | $1,482 | $124 |
| Silverado LT Crew Cab 4WD | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Silverado LS Crew Cab 2WD | $324 | $676 | $458 | $28 | $136 | $1,622 | $135 |
| Silverado LS Crew Cab 4WD | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Silverado LT Crew Cab 2WD | $324 | $676 | $458 | $28 | $136 | $1,622 | $135 |
| Silverado LTZ Extended Cab 2WD | $324 | $676 | $458 | $28 | $136 | $1,622 | $135 |
| Silverado LTZ Extended Cab 4WD | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Silverado LTZ Crew Cab 2WD | $324 | $676 | $458 | $28 | $136 | $1,622 | $135 |
| Silverado LTZ Crew Cab 4WD | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Silverado Crew Cab Hybrid 2WD | $324 | $778 | $404 | $24 | $122 | $1,652 | $138 |
| Silverado Crew Cab Hybrid 4WD | $360 | $778 | $404 | $24 | $122 | $1,688 | $141 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle location which can affect coverage prices greatly.
Finding affordable auto insurance is tough enough, and determining which companies quote the most affordable car insurance rates for a Chevy Silverado calls for even more shopping around. Every insurance company has a unique formula to determine rates, so let’s begin by examining the overall cheapest car insurance companies in Chandler, AZ.
It’s important that you understand Chandler, AZ car insurance rates are calculated based on many things which can significantly increase or decrease the cost of your policy. Simply improving your credit, increasing deductibles, or having a fender bender can trigger changes in premium that can cause some rates to be higher-priced than before.
Best Car Insurance Prices for Your Silverado Truck
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,336 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,429 |
| 18 | American Family | $1,435 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,552 |
| Quote Your Rates Go | ||
The Hartford may offer some of the best car insurance rates in Chandler at around $820 per year. Safeco, Auto-Owners, Travelers, and USAA would also make the list of some of the most economical Chandler, AZ auto insurance companies.
As the example above demonstrates, if you buy coverage from Auto-Owners and switched to The Hartford, you may realize an annual premium reduction of in the neighborhood of $95. Customers with Travelers might save as much as $288 a year, and USAA customers might reduce prices by as much as $293 a year.
Understand that those policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with an exact vehicle garaging location for a Chevy Silverado. So the car insurance company that fits you best may not even be in the top 28 companies shown above. That’s why you need to compare rates from multiple companies using your own driver and vehicle profiles.
Rate comparison of full coverage and liability-only
Buying cheaper car insurance is probably important to the majority of vehicle owners, and one easy way to find cheaper insurance for a Chevy Silverado is to not buy full coverage. The information below compares insurance rates with and without full coverage. The rate quotes are based on no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
If averaged for all ages, physical damage coverage costs $1,704 per year more than buying just liability insurance. That touches on the question if it’s worth it to buy full coverage. There is no clear-cut rule of when to eliminate full coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
There are some conditions where dropping full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Are you paying too much for car insurance?
Chandler car insurance rates are impacted by many factors that will increase or decrease the price of coverage. Simply improving your credit, buying a different home, or getting into an accident can trigger price changes that can make some companies cheaper than competitors.
In addition to those changes, auto insurance companies modify rates multiple times each year as an adjustment for underwriting gains or losses. Heavier than normal losses can cause rate hikes, while a profitable period can produce cheaper Silverado insurance rates.
For example, the data below shows which companies have the cheapest car insurance in Chandler, AZ for a 30-year-old female driver with a clean driving record, no accidents, and good financial standing. If we estimate prices based on her current risk profile, The Hartford may offer the lowest car insurance rates in Chandler at $1,031 annually. This is $397 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are the remaining cheapest Chandler, AZ auto insurance companies.
Now we will give the driver in the first chart a claim or two, a lower credit rating, and a few blemishes on her driving record. Since every car insurance company has a different formula to set premium rates, comparing quotes could result in a substantially altered list of cheap Chandler auto insurance companies as shown below.
GEICO now has the cheapest auto insurance in Chandler with CSAA, Allied, Ameriprise Group, and Safe Auto also being competitive. This example shows why it is critical to take the time to shop around when trying to get affordable car insurance quotes for a Chevy Silverado.
Prices are influenced by many things and change dramatically, so the best option two years ago may now be an over-priced policy.
How to find more affordable car insurance for a Chevy Silverado
The list below shows a few penny-pinching ideas that can help Chandler drivers locate cheaper coverage.
- Be a cautious driver
- Avoid having at-fault accidents
- Don’t have frequent claims
- Don’t waste money on full coverage for older vehicles
- Raise deductibles
- Compare rates once a year for cheaper prices
The last idea is notably valuable, as we pointed out in this write-up. Prices in Chandler change constantly, so don’t be afraid to buy a policy from a new company if a more affordable rate is found. Having a favorite company is great, but it’s not a great idea if it’s costing you a fortune every year. It only take a few minutes to shop around to find cheaper insurance for a Chevy Silverado.
The agents below can help you make a decision which insurance coverage will be best for you, since some drivers wish to get help from a professional when comparing insurance rates for a Silverado pickup. It can be challenging to find the cheapest auto insurance company, so using a licensed agent can provide you comfort knowing your coverage gives you adequate coverage when you need it most. To locate a Chandler car insurance agency in your neighborhood, click the button at the bottom.
- Roger Morsch – State Farm Insurance Agent
2450 S Arizona Ave #6 – Chandler, AZ 85286 – (480) 855-4632 - Steve Haase – State Farm Insurance Agent
220 N Chippewa Pl – Chandler, AZ 85224 – (480) 963-0261 - Oasis Insurance
1200 N Arizona Ave #3 – Chandler, AZ 85225 – (480) 782-9202 - Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515