How Much is Insurance for a Chevrolet Silverado in Kansas?

Your chances of finding the cheapest car insurance for a Chevy Silverado in Kansas hinges on many rating criteria such as whether you own a home, your geographic location, and violations on your driving record. Drivers in Kansas pay on average $1,260 a year for Silverado insurance, but that cost is using a 30-year-old single male who needs full coverage and $100 physical damage deductibles.

There is a really good chance that you may not be 30 years old (or even male), maybe you are married instead of single, or possibly you just want cheap liability coverage. Auto insurance is unique to every driver, so the only real way to find cheap car insurance rates for your Chevrolet is to do a thorough rate comparison.

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Vehicle trim level will most likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Silverado LS Regular Cab 2WD will cost $282 less than the cost to insure the higher-priced Silverado Crew Cab Hybrid 4WD version, as demonstrated by the prices below.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in vehicle garaging location which can change coverage rates greatly.

Deciding which companies quote the cheapest insurance rates for a Chevy Silverado takes a bit more work in order to find the most economical policy. Each insurer uses their own calculation for filing rates in each state, so we’ll go over the lowest cost insurance companies in Kansas.

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USAA quotes some of the lowest car insurance rates in Kansas at around $743 annually. The Hartford, Auto-Owners, Travelers, and Allied also qualify as some of the cheapest Kansas auto insurance companies.

In the above example, if you are currently insured with Allied and switched to The Hartford, you could realize savings of around $259. Customers with Farmers could save as much as $301 a year, and Farm Bureau Mutual customers might realize rate reductions of up to $324 a year.

Understand that those rates are averaged for all drivers and vehicles and and are not figured with a specific rate factor for a Chevy Silverado. So the insurer that can offer you the best rate may not even be shown in the list of companies above. That illustrates why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

Should you buy full coverage?

Finding cheap insurance for a Chevy Silverado in Kansas should be important to most vehicle owners, and one of the easiest ways to pay lower rates for insurance is to not pay for full coverage. The information below illustrates the comparison of premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no violations or claims, $500 deductibles, marital status is single, and no additional discounts are factored in.

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If all age groups are averaged, physical damage coverage on your policy costs $1,602 per year over liability only. Many drivers will wonder if you should buy full coverage at all. There is no written rule for phasing out full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

There are some conditions where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

The chart below shows how choosing a deductible can change insurance costs when getting quotes for cheap insurance for a Chevy Silverado. Data assumes a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

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A 30-year-old driver could save $412 a year by switching from a $100 deductible up to a $500 deductible, or save $622 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could possibly save up to $924 each year by selecting a higher deductible.

If you do make the decision to raise your deductibles, it will be necessary to have additional funds squirreled away to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.

Which major car insurance company is best?

When buying insurance for a Silverado pickup, the companies that insure more vehicles than anyone else are Allstate, State Farm, Progressive, and Geico. Between them, they make up almost 50% of all policies written. They all have the same basic coverages, but each one has different optional coverages and features that you can select from. The data below breaks down pricing and service ratings, as well as optional policy coverages you can expect with each one.