What Insurance is Cheapest for a Chevrolet Silverado in Tucson?

Buying cheaper coverage for a Chevy Silverado in Arizona depends on a pretty complex algorithm that uses a lot of factors such as your age, if you are a frequent claim filer, and whether or not you are a good driver. Drivers in Arizona pay approximately $1,211 per year for Silverado insurance, but that amount is an estimate calculated based on a 30-year-old single male driver with full coverage and $250 deductibles.

Odds are that you aren’t exactly 30 years old or even a male, married instead of single, and you need different coverage limits than the sample rates. Even a slight difference in rating criteria or coverage limits could end up with a large change in the cost of insuring your Silverado.

Every driver’s needs are different, and that is why the best method for finding the cheapest insurance price for your Chevrolet is to just take the time to compare rates yourself.

Compare Chevrolet Silverado Insurance Rates

Your Chevrolet’s trim level will be a contributing factor to the cost of insurance, so the cost to insure a Silverado LS Regular Cab 2WD trim level will be $244 cheaper than the insurance cost for the higher-end Silverado Crew Cab Hybrid 4WD version, as shown in the prices below.

Chevrolet Silverado Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $230 $320 $444 $26 $132 $1,152 $96
Silverado LS Regular Cab 4WD $230 $320 $392 $24 $118 $1,084 $90
Silverado LT Regular Cab 2WD $264 $390 $444 $26 $132 $1,256 $105
Silverado LT Regular Cab $264 $390 $444 $26 $132 $1,256 $105
Silverado LS Extended Cab 4WD $264 $390 $392 $24 $118 $1,188 $99
Silverado LT Extended Cab 4WD $264 $390 $392 $24 $118 $1,188 $99
Silverado LT Extended Cab 2WD $264 $390 $444 $26 $132 $1,256 $105
Silverado LS Extended Cab 2WD $264 $390 $444 $26 $132 $1,256 $105
Silverado LT Crew Cab 4WD $298 $460 $392 $24 $118 $1,292 $108
Silverado LS Crew Cab 2WD $298 $460 $444 $26 $132 $1,360 $113
Silverado LS Crew Cab 4WD $298 $460 $392 $24 $118 $1,292 $108
Silverado LT Crew Cab 2WD $298 $460 $444 $26 $132 $1,360 $113
Silverado LTZ Extended Cab 2WD $298 $460 $444 $26 $132 $1,360 $113
Silverado LTZ Extended Cab 4WD $298 $460 $392 $24 $118 $1,292 $108
Silverado LTZ Crew Cab 2WD $298 $460 $444 $26 $132 $1,360 $113
Silverado LTZ Crew Cab 4WD $298 $460 $392 $24 $118 $1,292 $108
Silverado Crew Cab Hybrid 2WD $298 $530 $392 $24 $118 $1,362 $114
Silverado Crew Cab Hybrid 4WD $332 $530 $392 $24 $118 $1,396 $116
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in vehicle location which can change premium rates significantly.

Selecting a highly-rated insurer can be challenging considering how many companies there are in Tucson. The ranking information below can help you decide which companies to look at purchasing a policy from.

These ratings only include companies with a nationwide focus, so companies that may only write in Arizona will not be included in this list. To compare price quotes from many more Arizona auto insurance companies, click this link.

Best Insurance Companies for a Chevrolet Silverado in Tucson
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Cost of full coverage

Lowering the price of insurance is the goal of the majority of drivers, and one of the best ways to find cheaper insurance for a Chevy Silverado is to not pay for full coverage. The example below compares auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs an extra $2,236 per year more than carrying just liability coverage. At some point, almost every driver questions if physical damage coverage is worth the money. There is no set guideline for phasing out physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

The information below illustrates how choosing a deductible can raise or lower insurance prices when researching cheap insurance for a Chevy Silverado. The costs are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The chart above illustrates that a 50-year-old driver could pocket $246 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $370 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, can save up to $606 or even more by choosing a larger deductible amount.

If you make the decision to raise deductibles, it will be important to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense associated with higher deductibles.

Impact of speeding/accidents on insurance rates

The common sense way to find the most affordable insurance rates in Arizona for a Silverado pickup is to be a careful driver and avoid getting tickets or having accidents. The diagram below highlights how traffic violations and at-fault fender-benders increase insurance costs for different ages of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of auto insurance in Arizona per year with a clean driving record and no accidents is $1,826. Factor in one speeding ticket and the average cost increases to $2,071, an increase of $245 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of insurance for a Chevy Silverado increases to an average of $4,258. That’s an increase of $2,432, or $203 per month, just for being a careless driver!