Buying affordable coverage for a Chevy Silverado in California hinges on an enormous amount of rating factors such as how you use your Silverado, the performance level of your vehicle, and violations on your driving record. California drivers pay on average $1,517 a year to insure their Silverado, but that cost is an estimate using a 30-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 30 years old (or even female), married instead of single, or maybe you want different physical damage deductibles. This shows why the best way to find the cheapest rates for your Chevrolet is to just take the time to compare rates yourself. To cut your rates now, get a free quote and you will receive prices from some of the most affordable companies in California.
Your Chevrolet’s trim level will likely have an effect on the cost of coverage, so the price you will be charged to insure a Silverado LS Regular Cab 2WD will be $222 lower than the price to insure the higher-end Silverado Crew Cab Hybrid 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$204||$366||$674||$40||$202||$1,486||$124|
|Silverado LS Regular Cab 4WD||$204||$366||$596||$36||$178||$1,380||$115|
|Silverado LT Regular Cab 2WD||$234||$446||$674||$40||$202||$1,596||$133|
|Silverado LT Regular Cab||$234||$446||$674||$40||$202||$1,596||$133|
|Silverado LS Extended Cab 4WD||$234||$446||$596||$36||$178||$1,490||$124|
|Silverado LT Extended Cab 4WD||$234||$446||$596||$36||$178||$1,490||$124|
|Silverado LT Extended Cab 2WD||$234||$446||$674||$40||$202||$1,596||$133|
|Silverado LS Extended Cab 2WD||$234||$446||$674||$40||$202||$1,596||$133|
|Silverado LT Crew Cab 4WD||$264||$524||$596||$36||$178||$1,598||$133|
|Silverado LS Crew Cab 2WD||$264||$524||$674||$40||$202||$1,704||$142|
|Silverado LS Crew Cab 4WD||$264||$524||$596||$36||$178||$1,598||$133|
|Silverado LT Crew Cab 2WD||$264||$524||$674||$40||$202||$1,704||$142|
|Silverado LTZ Extended Cab 2WD||$264||$524||$674||$40||$202||$1,704||$142|
|Silverado LTZ Extended Cab 4WD||$264||$524||$596||$36||$178||$1,598||$133|
|Silverado LTZ Crew Cab 2WD||$264||$524||$674||$40||$202||$1,704||$142|
|Silverado LTZ Crew Cab 4WD||$264||$524||$596||$36||$178||$1,598||$133|
|Silverado Crew Cab Hybrid 2WD||$264||$604||$596||$36||$178||$1,678||$140|
|Silverado Crew Cab Hybrid 4WD||$294||$604||$596||$36||$178||$1,708||$142|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Prices do not factor in vehicle garaging location which can decrease or increase premium rates noticeably.
Which auto insurance company is best in Riverside?
Finding the best company can be challenging considering how many companies are available to choose from in California. The company information below could help you decide which auto insurance companies you want to consider when insurance shopping for a Chevy Silverado.
These rankings only include companies that insure vehicles across America, so companies with more of a regional focus are not taken into consideration for these rankings. If you’d like to compare prices from these companies and more, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Discount Riverside car insurance
Insurance providers that offer quotes for a Chevy Silverado may also provide premium discounts that could lower prices by 40% or more if you meet specific criteria. A few of the larger companies and their possible discounts can be read below.
- American Family offers discounts for good student, good driver, mySafetyValet, accident-free, TimeAway discount, and early bird.
- Farm Bureau includes discounts for driver training, multi-vehicle, 55 and retired, multi-policy, safe driver, good student, and renewal discount.
- State Farm offers discounts including accident-free, Drive Safe & Save, driver’s education, safe vehicle, defensive driving training, student away at school, and anti-theft.
- Travelers may offer discounts for payment discounts, multi-policy, continuous insurance, student away at school, driver training, and save driver.
- The Hartford discounts include vehicle fuel type, air bag, defensive driver, bundle, good student, and driver training.
- GEICO policyholders can earn discounts including emergency military deployment, five-year accident-free, federal employee, driver training, and air bags.
- Progressive offers premium reductions for multi-vehicle, homeowner, good student, continuous coverage, online signing, multi-policy, and online quote discount.
The illustration below visualizes the comparison of auto insurance rates with and without discounts applied to the policy premium. The information is based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, homeowner, passive restraint, vehicle safety, claim-free, and accident-free discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for a Chevy Silverado is 28% or $860.
Low rates today, overpriced tomorrow
California auto insurance rates are influenced by many factors that will increase or decrease the cost of a policy. Simply turning a year older, adding a teenager to your policy, or getting a couple of tickets can trigger changes in premium that may make certain companies cheaper than competitors. In addition to those changes, companies change premium rates every year to help ensure profitability. An extended period of higher than normal claims may result in a rate increase, while long-term profits may cause lower-cost Silverado insurance rates.
As an example, the data below demonstrates which company has the cheapest car insurance in Riverside, CA for a 30-year-old female driver with no prior claims, no tickets, and good financial standing. If we look at prices based on her current rating profile, USAA might quote the cheapest car insurance rates in Riverside at $1,311 each year. This is $340 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the list of the top five cheapest Riverside, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates an at-fault accident, a little lower credit rating, and a traffic citation. Since every insurance provider has a proprietary formula for determining rates, getting updated rate quotes may result in a different set of cheap Riverside auto insurance companies as shown below.
Grange now has the lowest car insurance rate in Riverside, CA with Allstate, GEICO, Progressive, and Mercury completing the list. This example shows why it is critical to compare many different companies when trying to find the most economical insurance quotes for a Chevy Silverado.
Car insurance prices are made up of many different factors and change dramatically, so the best company when you last compared rates may now be costing you a lot of money.
How to find the cheapest car insurance for a Chevy Silverado
Here are some thrifty suggestions that can help Riverside drivers get cheap auto insurance.
- Remain accident-free and save
- Full coverage is expensive so only insure older vehicles for liability only
- Buy your auto and home insurance from the same company and save
- Drivers with good credit often pay less
- Drive vehicles with five-star safety ratings
- Keep rates low by shopping around frequently
That final tip is extraordinarily significant, as was stressed in the article above. Prices can change considerably in a year, so you should be ready to change to a new company if you find a cheaper price. Brand loyalty is great, but it’s not a good idea if that dedication is costing a fortune every year. It takes less than five minutes to shop around and find cheaper auto insurance for a Chevy Silverado in Riverside.
If you have coverage questions and would like to have a professional recommendation when comparing insurance rates for a Silverado pickup, the insurance agencies below can probably aid you in deciding which insurance coverage will be best for you.
To locate an agency close to where you live, click the button after the list.
Allstate: Gene P. Johnson
7201 Arlington Ave – Riverside, CA 92503 – (951) 689-3211
Prism Insurance Agency
9824 Magnolia Ave a – Riverside, CA 92503 – (951) 353-1200
6281 Brockton Ave # 2 – Riverside, CA 92506 – (951) 684-3624
Insurance Incorporated – Woodcrest
18791 Van Buren Boulevard Suite C – Riverside, CA 92508 – (951) 780-4075