Finding the best cheap coverage for a Chevy Silverado relies on lots of different rating factors such as how far you commute, the size of your vehicle, and citations or violations on your driving record. Pennsylvania drivers will pay around $883 a year for Silverado insurance, but that figure is based upon a 50-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
There’s a good chance you’re not a 50-year-old female, single instead of married, or you just prefer to insure for liability only. Have just a small change in the criteria used to calculate rates can result in a massive change in the amount insurance costs for a Chevy Silverado.
Car insurance coverage is unique to each driver, so this is why the only real way to find cheap auto insurance rates for your Chevrolet is to do a thorough rate comparison. Quotes are free and you will get price quotes from the best companies around.
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Your vehicle’s trim level can impact the insurance rate, so the price you pay to insure a Silverado LS Regular Cab 2WD will be $162 less expensive the cost to insure the higher-end Silverado Crew Cab Hybrid 4WD model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado LS Regular Cab 2WD | $138 | $236 | $350 | $20 | $104 | $848 | $71 |
| Silverado LS Regular Cab 4WD | $138 | $236 | $310 | $18 | $92 | $794 | $66 |
| Silverado LT Regular Cab 2WD | $160 | $286 | $350 | $20 | $104 | $920 | $77 |
| Silverado LT Regular Cab | $160 | $286 | $350 | $20 | $104 | $920 | $77 |
| Silverado LS Extended Cab 4WD | $160 | $286 | $310 | $18 | $92 | $866 | $72 |
| Silverado LT Extended Cab 4WD | $160 | $286 | $310 | $18 | $92 | $866 | $72 |
| Silverado LT Extended Cab 2WD | $160 | $286 | $350 | $20 | $104 | $920 | $77 |
| Silverado LS Extended Cab 2WD | $160 | $286 | $350 | $20 | $104 | $920 | $77 |
| Silverado LT Crew Cab 4WD | $180 | $338 | $310 | $18 | $92 | $938 | $78 |
| Silverado LS Crew Cab 2WD | $180 | $338 | $350 | $20 | $104 | $992 | $83 |
| Silverado LS Crew Cab 4WD | $180 | $338 | $310 | $18 | $92 | $938 | $78 |
| Silverado LT Crew Cab 2WD | $180 | $338 | $350 | $20 | $104 | $992 | $83 |
| Silverado LTZ Extended Cab 2WD | $180 | $338 | $350 | $20 | $104 | $992 | $83 |
| Silverado LTZ Extended Cab 4WD | $180 | $338 | $310 | $18 | $92 | $938 | $78 |
| Silverado LTZ Crew Cab 2WD | $180 | $338 | $350 | $20 | $104 | $992 | $83 |
| Silverado LTZ Crew Cab 4WD | $180 | $338 | $310 | $18 | $92 | $938 | $78 |
| Silverado Crew Cab Hybrid 2WD | $180 | $390 | $310 | $18 | $92 | $990 | $83 |
| Silverado Crew Cab Hybrid 4WD | $200 | $390 | $310 | $18 | $92 | $1,010 | $84 |
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific Philadelphia garaging location which can affect price quotes substantially.
Finding reliable, budget auto insurance is not the easiest thing to accomplish, and figuring out which companies quote the best insurance rates for a Chevy Silverado calls for a bit more work. Each auto insurance company has a different formula for setting rates, so let’s take a look at the insurance companies with the most affordable rates in Philadelphia.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $718 |
| 2 | Travelers | $779 |
| 3 | USAA | $785 |
| 4 | Penn National | $808 |
| 5 | Erie | $824 |
| 6 | Auto-Owners | $963 |
| 7 | Amica | $1,022 |
| 8 | Atlantic States | $1,036 |
| 9 | Donegal Mutual | $1,102 |
| 10 | GEICO | $1,123 |
| 11 | Allied | $1,155 |
| 12 | State Farm | $1,162 |
| 13 | California Casualty | $1,234 |
| 14 | State Auto | $1,241 |
| 15 | Encompass | $1,357 |
| 16 | Harleysville | $1,410 |
| 17 | Progressive | $1,414 |
| 18 | Nationwide | $1,447 |
| 19 | Mutual Benefit Group | $1,454 |
| 20 | Chubb | $1,551 |
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General Casualty quotes some of the cheapest car insurance rates in Philadelphia at around $718 annually. This is $939 less than the average rate paid by Pennsylvania drivers of $1,657. Travelers, USAA, Penn National, and Erie also make the cut as some of the lowest-priced Philadelphia, PA insurance companies.
As the rates illustrate above, if you buy coverage from Travelers and switched to General Casualty, you may realize annual savings of upwards of $61. Insureds with USAA could save as much as $67 a year, and Penn National policyholders might realize rate reductions of up to $90 a year.
To see how much you can save, click here to get quotes or quote rates from the companies below.
Be aware that those policy prices are averaged across all drivers and vehicles in Pennsylvania and and are not figured with a specific zip code for a Chevy Silverado. So the company that fits you best may not even be in the top 30 companies shown above. That point stresses why you need to compare as many prices as possible using your own individual information.
Drive safe and save
The ideal way to obtain low insurance rates in Philadelphia for a Silverado pickup is to drive carefully and not have accidents or get tickets. The example below shows how speeding tickets and accident claims increase insurance prices for each age group. The data is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Pennsylvania per year with no violations or accidents is $1,528. Get one speeding ticket and the average cost increases to $1,779, an increase of $251 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance for a Chevy Silverado goes up to an average of $2,485. That’s an increase of $957, or $80 per month, just for not driving safely!
Comparing rates on Silverado insurance can save you money
Philadelphia, PA insurance rates are influenced by many factors that can increase the price you pay. Simply improving your credit, buying a home, or getting caught speeding can trigger changes in premium that can make some companies more affordable than others.
Additionally, auto insurance companies change rates as often as every three months to help ensure profitability. Higher than normal claim frequency or severity may cause higher rates, while lower claim levels may produce lower-priced Silverado insurance rates.
For example, the bar chart below analyzes the cheapest car insurance in Philadelphia, PA for a 30-year-old male driver with no prior accidents, a clean driving record, and excellent credit. Based on his current risk profile, General Casualty may offer the most affordable car insurance rates in Philadelphia at $1,617 a year. This is $40 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National round out the rest of the best Philadelphia, PA auto insurance companies.
In this next rate comparison, we will give the driver in the first chart some claims, less-than-perfect credit, and a traffic ticket or two. Since each auto insurer uses their own formula to set premium rates, analyzing rates could result in a different ranking of affordable companies as shown below.
Auto-Owners now has the lowest price on auto insurance in Philadelphia, PA with Atlantic States, Donegal Mutual, USAA, and Travelers also being competitive. This example illustrates why it is so important to perform a complete rate comparison when trying to find the most budget-friendly car insurance rates for a Chevy Silverado.
Car insurance prices are impacted by many different factors and can change substantially, so the most affordable company two years ago may now be quite expensive.
How to find budget-friendly car insurance for a Chevy Silverado
The list below details many penny-pinching suggestions that can help Philadelphia drivers find cheaper coverage.
- Raise deductibles to save money
- Serious violations like DUI or reckless driving can increase rates dramatically
- Do not get into accidents that are your fault
- Better credit scores save money
- The safer your car, the less it costs to insure
- Remove physical damage coverage on older vehicles
- Compare prices frequently to find the best deal
The final tip is extremely significant, as we pointed out in this write-up. Car insurance prices can be changed at any time, so don’t be tentative to buy a different policy if a cheaper price is available.
Having a favorite company is fine, but it’s not a great idea if it’s costing you a small fortune year after year. It only take a few minutes to compare prices and find cheaper car insurance for a Chevy Silverado in Philadelphia.