How Much are Insurance Quotes for a Chevrolet Silverado in Kentucky?

Anytime the topic is auto insurance, the word cheap should never appear as a descriptor for auto insurance rates. It’s just a fact that cheap car insurance for a Chevy Silverado is pretty hard to find. But don’t let us ruin your dream, because we will tell you how you can quote and buy auto insurance that works with your budget.

Your odds of finding cheaper car insurance for a Chevy Silverado in Kentucky is dependent upon things like when you were born, the likelihood of your vehicle being stolen, and any prior driving offenses. Kentucky drivers pay on average $1,120 a year for Silverado insurance, but that cost is an estimate based on a 30-year-old single female who requires comprehensive and collision coverage and $1,000 policy deductibles.

Chances are that rate is not what you would pay, because most likely you are not exactly 30 years old and possibly not even female, maybe you are married instead of single, or maybe your Silverado is old enough that it doesn’t require full coverage. This shows why the best way to quote affordable rates for your Chevrolet is to quote often and with as many companies as possible. Quotes only take a couple of minutes and you will be able to compare rates from the cheapest companies that sell coverage in Kentucky.

Find Cheaper Chevrolet Silverado Insurance

Your vehicle’s trim level impacts the cost of coverage, so the price you pay to insure a Silverado LS Regular Cab 2WD trim level will be $164 lower than the insurance cost for the higher-end Silverado Crew Cab Hybrid 4WD model, as shown in the chart below.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can impact auto insurance rates substantially.

Finding the highest-rated car insurance company can be rather challenging considering how many different companies sell coverage in Kentucky. The company ratings in the lists below could help you analyze which coverage providers you want to consider to insure your vehicles. The ratings below are only made up of companies that write coverage in many states, so companies that have a smaller presence are not taken into consideration for the list.

Top 10 Large Auto Insurance Companies in Kentucky Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Erie Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top Companies for Chevrolet Silverado Insurance in Kentucky

Impact of careless driving on car insurance rates

A great way to snag cheap insurance for a Chevy Silverado in Kentucky is to be an attentive driver and avoid accidents and violations. The chart below illustrates how violations and at-fault collisions influence auto insurance rates for each age group. The rate quotes are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

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The data above shows the average cost of a car insurance policy in Kentucky per year with no accidents or violations is $1,716. Receive two speeding tickets and the average cost jumps to $2,284, an increase of $568 each year. Now get one accident along with the two speeding tickets and the annual cost of car insurance for a Chevy Silverado jumps again to an average of $2,860. That’s an increase of $1,144, or $95 per month, just for not driving attentively!

Geico, Allstate, State Farm, or Progressive: Who is cheapest?

If you want reliable insurance for a Silverado pickup in Kentucky, four of the larger companies to compare rates for are Geico, Allstate, State Farm, and Progressive. When combined, they have about half of the entire U.S. market share. All of them offer physical damage and liability coverage, but each has a unique set of features, discounts, and options that shoppers can select from. The data below points out some of the different options that may be available in Kentucky.

How to find low-cost auto insurance for a Chevy Silverado

The list below summarizes some of the better thrifty solutions that can help you get lower-cost coverage.

• Insure your home and auto with the same company
• Buy a vehicle with excellent safety ratings
• Good credit scores may make rates cheaper
• Having too many claims will increase rates substantially
• Assess whether full coverage is needed
• Increase your physical damage deductibles
• Shop around once a year for cheaper rates

The last tip is notably crucial, as was affirmed in this write-up. Coverage rates in Kentucky adjust frequently, so you should be ready to switch to a new company if a better rate can be found. Being loyal to a particular company is commendable, but is isn’t recommended if that loyalty ends up costing a lot of money every month. It only take a few minutes to shop around to find cheaper insurance for a Chevy Silverado.