Finding competitive car insurance for a Chevy Silverado hinges on an enormous amount of rating factors such as when you were born, the condition of your credit, and driving citations. Drivers in North Carolina pay approximately $802 annually for Silverado insurance, but that figure is an estimate based upon a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
It’s highly likely you’re not a 50-year-old male, married instead of single, or maybe you want more liability coverage than is required by law in North Carolina. Having the smallest difference in rating variables or coverage information can result in a massive change in the amount insurance costs for a Chevy Silverado.
This example demonstrates why the best method for finding cheap insurance rates for your Chevrolet is to compare as many rates as you can. Compare rate quotes now and you will be able to see rates from some of the best insurers that sell coverage in North Carolina.
Insure Your Chevrolet for Less
The trim level of your Chevrolet impacts the cost of coverage, so the price to insure a Silverado LS Regular Cab 2WD trim level will be $146 less than the cost to insure the more well-appointed Silverado Crew Cab Hybrid 4WD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado LS Regular Cab 2WD | $118 | $222 | $318 | $18 | $96 | $772 | $64 |
| Silverado LS Regular Cab 4WD | $118 | $222 | $282 | $16 | $84 | $722 | $60 |
| Silverado LT Regular Cab 2WD | $134 | $270 | $318 | $18 | $96 | $836 | $70 |
| Silverado LT Regular Cab | $134 | $270 | $318 | $18 | $96 | $836 | $70 |
| Silverado LS Extended Cab 4WD | $134 | $270 | $282 | $16 | $84 | $786 | $66 |
| Silverado LT Extended Cab 4WD | $134 | $270 | $282 | $16 | $84 | $786 | $66 |
| Silverado LT Extended Cab 2WD | $134 | $270 | $318 | $18 | $96 | $836 | $70 |
| Silverado LS Extended Cab 2WD | $134 | $270 | $318 | $18 | $96 | $836 | $70 |
| Silverado LT Crew Cab 4WD | $152 | $318 | $282 | $16 | $84 | $852 | $71 |
| Silverado LS Crew Cab 2WD | $152 | $318 | $318 | $18 | $96 | $902 | $75 |
| Silverado LS Crew Cab 4WD | $152 | $318 | $282 | $16 | $84 | $852 | $71 |
| Silverado LT Crew Cab 2WD | $152 | $318 | $318 | $18 | $96 | $902 | $75 |
| Silverado LTZ Extended Cab 2WD | $152 | $318 | $318 | $18 | $96 | $902 | $75 |
| Silverado LTZ Extended Cab 4WD | $152 | $318 | $282 | $16 | $84 | $852 | $71 |
| Silverado LTZ Crew Cab 2WD | $152 | $318 | $318 | $18 | $96 | $902 | $75 |
| Silverado LTZ Crew Cab 4WD | $152 | $318 | $282 | $16 | $84 | $852 | $71 |
| Silverado Crew Cab Hybrid 2WD | $152 | $366 | $282 | $16 | $84 | $900 | $75 |
| Silverado Crew Cab Hybrid 4WD | $170 | $366 | $282 | $16 | $84 | $918 | $77 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific Charlotte garaging location which can influence insurance rates greatly.
Insuring your vehicle with the top auto insurance company can be rather challenging considering how many companies sell coverage in North Carolina. The rank data below may help you pick which insurers to look at to insure your vehicles. The ratings below are for the largest auto insurers in America, so smaller companies will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Charlotte auto insurance rates
Insurers that offer quotes for a Chevy Silverado may also offer special discounts that can lower rates by as much as 30% if you can meet the requirements. A list of companies and a selection of discounts are shown below.
- State Farm may include discounts for good driver, safe vehicle, multiple autos, defensive driving training, and anti-theft.
- Liberty Mutual discounts include newly married, safety features, new move discount, newly retired, new vehicle discount, multi-policy, and exclusive group savings.
- American Family includes discounts for bundled insurance, Steer into Savings, early bird, mySafetyValet, defensive driver, and air bags.
- Progressive offers discounts for online signing, continuous coverage, homeowner, good student, and online quote discount.
- Farmers Insurance offers premium reductions for pay in full, distant student, bundle discounts, switch companies, and multi-car.
- Auto-Owners Insurance may offer discounts for paid in full, paperless, mature driver, multi-policy, multiple vehicles, and safe vehicle.
- SAFECO may have discounts that include multi-car, drive less, teen safe driver, anti-lock brakes, homeowner, and safe driver.
The chart below illustrates the difference between insurance premiums with and without discounts applied. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, accident-free, passive restraint, safe-driver, anti-theft, and multiple vehicle discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for a Chevy Silverado is 28% or $367.
Irresponsible driving raises your rates
The obvious way to enjoy low insurance prices in North Carolina for a Silverado pickup is to be an attentive driver and avoid accidents and keep your driving record clean. The information below illustrates how traffic citations and accident claims influence car insurance costs for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
The data above shows the average cost of a car insurance policy in North Carolina per year with no violations or accidents is $1,359. Add in two speeding tickets and the average cost hikes up to $1,876, an increase of $516 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of insurance for a Chevy Silverado increases to an average of $3,779. That’s an increase of $2,419, or $202 per month, just for not driving carefully!
Tips to find more affordable car insurance for a Chevy Silverado
Below you’ll find some thrifty solutions that can help drivers locate cheap car insurance.
- Vehicles with good safety ratings are usually cheaper to insure
- Avoid accidents
- Buying home and auto insurance together can earn discounts
- Save money by insuring older vehicles for liability only
- Discounts for being claim-free can be substantial
- Keep your driving record clean
- Ensure you have the best deal by shopping around regularly
The last tip in the list is certainly crucial, as was emphasized in the prior information. Prices charged by auto insurers can change in a short period of time, so you should be ready to buy from a new company if a better deal can be had.
We understand brand loyalty, but we do not recommend it if that stubbornness costs you hundreds of dollars year after year. It only takes a couple minutes to compare prices to find cheaper insurance for a Chevy Silverado in Charlotte.