Buying the cheapest car insurance for a Chevy Silverado relies on a lot of rating factors such as the mileage of your daily commute, your residence address, and your policy deductibles. Drivers pay around $1,130 per year for Silverado insurance, but that is an estimate calculated based on a 40-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 40-year-old female, you might be single instead of married, or maybe you have a speeding ticket or two that will increase rates. This demonstrates why the only real way to find the cheapest rates for your Chevrolet is to just take the time to compare rates yourself. Quotes are always free and you can get rates from the best auto insurance companies that insure vehicles in Nebraska.
Find Cheaper Chevrolet Silverado Insurance
The trim level of your Silverado tends to impact price, so the cost to insure a Silverado LS Regular Cab 2WD model will be $270 less expensive 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 | $194 | $376 | $356 | $22 | $106 | $1,054 | $88 |
| Silverado LS Regular Cab 4WD | $194 | $376 | $314 | $18 | $94 | $996 | $83 |
| Silverado LT Regular Cab 2WD | $222 | $456 | $356 | $22 | $106 | $1,162 | $97 |
| Silverado LT Regular Cab | $222 | $456 | $356 | $22 | $106 | $1,162 | $97 |
| Silverado LS Extended Cab 4WD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| Silverado LT Extended Cab 4WD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| Silverado LT Extended Cab 2WD | $222 | $456 | $356 | $22 | $106 | $1,162 | $97 |
| Silverado LS Extended Cab 2WD | $222 | $456 | $356 | $22 | $106 | $1,162 | $97 |
| Silverado LT Crew Cab 4WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Silverado LS Crew Cab 2WD | $250 | $538 | $356 | $22 | $106 | $1,272 | $106 |
| Silverado LS Crew Cab 4WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Silverado LT Crew Cab 2WD | $250 | $538 | $356 | $22 | $106 | $1,272 | $106 |
| Silverado LTZ Extended Cab 2WD | $250 | $538 | $356 | $22 | $106 | $1,272 | $106 |
| Silverado LTZ Extended Cab 4WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Silverado LTZ Crew Cab 2WD | $250 | $538 | $356 | $22 | $106 | $1,272 | $106 |
| Silverado LTZ Crew Cab 4WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Silverado Crew Cab Hybrid 2WD | $250 | $620 | $314 | $18 | $94 | $1,296 | $108 |
| Silverado Crew Cab Hybrid 4WD | $278 | $620 | $314 | $18 | $94 | $1,324 | $110 |
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in specific garaging location which can revise premiums noticeably.
How to find a good Omaha car insurance company
Ending up with the best insurance provider is hard considering how many companies there are in Nebraska. The company ratings listed below can help you choose which insurers to look at when looking for cheaper rates.
These ratings are only comprised of large insurance companies, so companies that have a smaller presence are not taken into consideration for this list. To view rates from these and other competitive companies, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
The example below highlights how deductible selection can impact premium costs when getting quotes for cheap insurance for a Chevy Silverado. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 50-year-old driver could save $286 a year by switching from a $100 deductible up to a $500 deductible, or save $430 by switching to a $1,000 deductible. Young drivers, like the 20-year-old category, could potentially save up to $724 or more by selecting a higher deductible.
If you do make the decision to raise your deductibles, it’s a good idea to have plenty of discretionary funds to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Impact of citations and accidents on insurance rates
One of the best ways to find affordable car insurance rates in Omaha for a Silverado pickup is to drive attentively and have a clean driving record. The chart below demonstrates how speeding tickets and fender-benders can affect insurance premiums for different ages of insureds. The premiums assume a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the example above, the average cost of car insurance in Nebraska per year with no accidents and a clean driving record is $1,313. Add in two speeding tickets and the average cost jumps to $1,802, an increase of $490 each year. Now add 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 $3,798. That’s an increase of $2,485, or $207 per month, just for not driving attentively!
How to find economical auto insurance for a Chevy Silverado
Below you’ll find some penny-pinching solutions that can help drivers find more affordable coverage.
- Do not get tickets
- Avoid accidents and claims
- Increase the comprehensive and collision deductibles on your policy
- Good credit scores may lower your rates
- Drive safe vehicles
- Compare price quotes at least once a year
That last idea is extremely critical, as was noted in this write-up. Coverage prices in Omaha can change considerably in a year, so drivers shouldn’t hesitate to buy a policy from a new company if you can save money. Brand loyalty is not necessarily bad, but is isn’t recommended if that inflexibility results in costing you hundreds of dollars year after year. Take a few minutes and shop around to find cheaper insurance for a Chevy Silverado.