Buying affordable coverage for a Chevy Silverado can be really easy, but it is dependent upon a lot of different factors such as your age, the size of your vehicle, and whether or not you are a good driver. Georgia drivers pay approximately $1,518 per year for Silverado insurance, but that price is a valuation based on a 30-year-old married male driver with full coverage and $100 deductibles.
Most likely you aren’t exactly 30 years old or even a male, single instead of married, or maybe you need higher liability limits than the state minimum. Insurance is an individual thing, so the way we recommend to find cheap insurance rates for your Chevrolet is to do your own rate comparisons. Compare rate quotes now and you can get rates from top-rated car insurance companies that sell coverage in Georgia.
The specific trim level will have an impact the coverage cost, so the price to insure a Silverado LS Regular Cab 2WD trim level will be $392 less expensive the price to insure the fancier Silverado Crew Cab Hybrid 4WD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$294||$502||$444||$26||$134||$1,400||$117|
|Silverado LS Regular Cab 4WD||$294||$502||$394||$24||$118||$1,332||$111|
|Silverado LT Regular Cab 2WD||$338||$612||$444||$26||$134||$1,554||$130|
|Silverado LT Regular Cab||$338||$612||$444||$26||$134||$1,554||$130|
|Silverado LS Extended Cab 4WD||$338||$612||$394||$24||$118||$1,486||$124|
|Silverado LT Extended Cab 4WD||$338||$612||$394||$24||$118||$1,486||$124|
|Silverado LT Extended Cab 2WD||$338||$612||$444||$26||$134||$1,554||$130|
|Silverado LS Extended Cab 2WD||$338||$612||$444||$26||$134||$1,554||$130|
|Silverado LT Crew Cab 4WD||$382||$720||$394||$24||$118||$1,638||$137|
|Silverado LS Crew Cab 2WD||$382||$720||$444||$26||$134||$1,706||$142|
|Silverado LS Crew Cab 4WD||$382||$720||$394||$24||$118||$1,638||$137|
|Silverado LT Crew Cab 2WD||$382||$720||$444||$26||$134||$1,706||$142|
|Silverado LTZ Extended Cab 2WD||$382||$720||$444||$26||$134||$1,706||$142|
|Silverado LTZ Extended Cab 4WD||$382||$720||$394||$24||$118||$1,638||$137|
|Silverado LTZ Crew Cab 2WD||$382||$720||$444||$26||$134||$1,706||$142|
|Silverado LTZ Crew Cab 4WD||$382||$720||$394||$24||$118||$1,638||$137|
|Silverado Crew Cab Hybrid 2WD||$382||$830||$394||$24||$118||$1,748||$146|
|Silverado Crew Cab Hybrid 4WD||$426||$830||$394||$24||$118||$1,792||$149|
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in vehicle garaging location which can lower or raise auto insurance rates substantially.
Establishing which companies offer the cheapest car insurance rates for a Chevy Silverado will involve more work in order to find the best policy. Each insurance company uses a little different formula for setting prices, so we will examine the car insurance companies with the most affordable rates in Atlanta.
It’s a good idea to know that Atlanta car insurance rates are influenced by many factors which can substantially decrease or increase the price of coverage. Improving your credit rating, getting divorced, or getting a few speeding tickets can cause premium changes that can make some companies more affordable than the competition.
Best Insurance Companies for Your Silverado Truck
|Rank||Company||Cost Per Year|
|5||Georgia Farm Bureau||$1,273|
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Auto-Owners may have some of the lowest car insurance rates in Atlanta at around $864 each year. This is $665 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau also qualify as some of the cheaper Atlanta, GA car insurance companies.
As shown in the rates above, if you currently buy coverage from Central Mutual and switched to Auto-Owners, you might realize a yearly price reduction of roughly $341. Drivers with Georgia Farm Bureau may save as much as $409 a year, and MetLife customers might realize rate reductions of up to $412 a year.
To get a fast rate comparison, click here to start your custom quote or quote rates from the companies below.
Remember that these premiums are averages for all drivers and vehicles in Georgia and are not factoring in a specific vehicle garaging location for a Chevy Silverado. So the insurer that is best suited for you may not even be in the top 20 companies shown above. That illustrates why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
The chart below shows how different deductible levels can change annual premium costs when getting quotes for cheap insurance for a Chevy Silverado. The costs are based on a single male driver, comp and collision included, and no discounts are applied.
As shown above, a 30-year-old driver could lower their policy premium by $508 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $764 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, can cut up to $1,490 or more by using a higher deductible. When choosing a higher deductible, it is important to have enough funds in savings to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Accidents and violations increase rates
One of the best ways to snag low car insurance prices for a Silverado pickup is to drive cautiously and not have accidents or get tickets. The illustration below highlights how speeding tickets and at-fault collisions can raise auto insurance costs for different categories of driver ages. The prices are based on a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in Atlanta per year with a clean driving record and no accidents is $2,229. Receive one speeding ticket and the average cost jumps to $2,516, an increase of $287 each year. Now include two accidents along with the one speeding ticket and the annual cost of car insurance for a Chevy Silverado increases to an average of $5,208. That’s an increase of $2,979, or $248 per month, just for not being a responsible driver!
How to find low-cost car insurance for a Chevy Silverado
The list below shows some of the recommended penny-pinching ideas that can help Atlanta drivers quote cheap auto insurance.
- Older vehicles may not need full coverage
- Do not get tickets
- Clean up your credit
- Higher deductibles mean lower rates
- Drive attentively and avoid accidents
- Drive vehicles with five-star safety ratings
- Shop around for cheaper prices
The last idea is particularly valuable, as was emphasized in this article. Prices charged by auto insurers can change considerably in a year, so don’t hesitate to switch carriers if you can find a cheaper rate. Many drivers prefer to stick with one company, but it’s not a great idea if that devotion results in you overpaying potentially thousands of dollars a year. If you have a few minutes, shop around and find cheaper car insurance for a Chevy Silverado in Atlanta.