Cheap Insurance Quotes for a Chevrolet Silverado in Iowa

Cheap Insurance Quotes for a Chevrolet Silverado in Iowa

Our content editors always give us grief that when writing about auto insurance, the word affordable should never be used anywhere in the article to describe car insurance prices. Sad but true, cheap auto insurance for a Chevy Silverado is pretty hard to find. Don’t let that ruin your day, because we are going to show you some ways you can quote and buy insurance that you can afford to pay for.

Buying the cheapest coverage for a Chevy Silverado in Iowa is dependent upon things like whether you are married, if you are currently insured, and if you had any at-fault accidents in the last few years. Drivers in Iowa on average will pay $670 a year for Silverado insurance, but that policy rate is a projection calculated using a 30-year-old married male driver that wants full coverage and $1,000 deductibles.

There’s a good chance you’re not a 30-year-old male, possibly single instead of married, or maybe you don’t qualify for the same discounts. Just a minor change in rating criteria can produce large changes in the amount insurance costs for a Chevy Silverado.

Not everyone needs the same coverages, so your best shot at finding cheap car insurance rates for your Chevrolet is to just take the time to do a thorough rate comparison.

Insure Your Chevrolet for Less

The trim level of your Chevrolet has an effect on the yearly cost, so the price you will be charged to insure a Silverado LS Regular Cab 2WD trim level will be $112 less expensive the price to insure the fancier Silverado Crew Cab Hybrid 4WD model, as shown in the prices below.

Chevrolet Silverado Insurance Rates in Iowa
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $104 $168 $282 $16 $84 $654 $55
Silverado LS Regular Cab 4WD $104 $168 $250 $14 $74 $610 $51
Silverado LT Regular Cab 2WD $120 $204 $282 $16 $84 $706 $59
Silverado LT Regular Cab $120 $204 $282 $16 $84 $706 $59
Silverado LS Extended Cab 4WD $120 $204 $250 $14 $74 $662 $55
Silverado LT Extended Cab 4WD $120 $204 $250 $14 $74 $662 $55
Silverado LT Extended Cab 2WD $120 $204 $282 $16 $84 $706 $59
Silverado LS Extended Cab 2WD $120 $204 $282 $16 $84 $706 $59
Silverado LT Crew Cab 4WD $134 $240 $250 $14 $74 $712 $59
Silverado LS Crew Cab 2WD $134 $240 $282 $16 $84 $756 $63
Silverado LS Crew Cab 4WD $134 $240 $250 $14 $74 $712 $59
Silverado LT Crew Cab 2WD $134 $240 $282 $16 $84 $756 $63
Silverado LTZ Extended Cab 2WD $134 $240 $282 $16 $84 $756 $63
Silverado LTZ Extended Cab 4WD $134 $240 $250 $14 $74 $712 $59
Silverado LTZ Crew Cab 2WD $134 $240 $282 $16 $84 $756 $63
Silverado LTZ Crew Cab 4WD $134 $240 $250 $14 $74 $712 $59
Silverado Crew Cab Hybrid 2WD $134 $278 $250 $14 $74 $750 $63
Silverado Crew Cab Hybrid 4WD $150 $278 $250 $14 $74 $766 $64
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific location which can raise or lower premiums considerably.

Deciding which companies quote the lowest-priced car insurance rates for a Chevy Silverado may require a little more sweat in order to find the best policy. Each auto insurer has a different process for filing rates in each state, so let’s look at the rankings for the car insurance companies with the most affordable rates in Iowa.

It’s important that you understand Iowa car insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. Simply having another birthday, adding a teenager to your policy, or getting a ticket for careless driving can trigger changes in premium resulting in some rates now being more affordable than before.

Best Car Insurance Prices for Your Silverado Truck

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Who has the cheapest car insurance in Iowa?
Rank Company Cost Per Year
1 USAA $690
2 Partners Mutual $705
3 Allied $787
4 Western National $809
5 Hastings Mutual $871
6 State Farm $900
7 Auto-Owners $930
8 Nationwide $944
9 Farm Bureau Mutual $956
10 Cameron Mutual $1,023
11 Travelers $1,030
12 GEICO $1,034
13 Farmers $1,065
14 Progressive $1,073
15 Pekin Insurance $1,076
16 General Casualty $1,199
17 American Family $1,203
18 EMC $1,207
19 Grinnell $1,230
20 MetLife $1,259
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USAA generally has some of the best car insurance rates in Iowa at around $690 per year. Partners Mutual, Allied, Western National, and Hastings Mutual are also some of the more affordable Iowa insurance companies.

As the example above demonstrates, if you currently have a policy with Western National and switched to USAA, you may see annual savings of approxmiately $119. Iowa drivers with Hastings Mutual may save as much as $181 a year, and State Farm insureds might see rate reductions of $210 a year.

If you would like to find cheap insurance for a Chevy Silverado in Iowa, click here or quote prices from the following companies.

Bear in mind that those premiums are averages for all types of insureds and vehicles and and are not figured with a specific rating modification for a Chevy Silverado. So the insurer that can offer you the lowest price may not even be included in the list of companies shown earlier. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Irresponsible driving raises your rates

One of the best ways to enjoy the best car insurance prices for a Silverado pickup is to be a cautious driver and avoid accidents and traffic violations. The illustration below demonstrates how citations and accidents can impact car insurance rates for different ages of insureds. Data assumes a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of car insurance in Iowa per year with no accidents and a clean driving record is $1,764. Get written up for two speeding tickets and the average cost surges to $2,378, an increase of $614 each year. Next add 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 $2,997. That’s an increase of $1,233, or $103 per month, just for not keeping your driving record clean!

Which major car insurance company is best?

When comparing insurance for a Silverado pickup in Iowa, four good companies to start with are Geico, Progressive, State Farm, and Allstate. Combined they have almost half of all auto insurance policies in force. All of them have different options that can influence your buying decision. The next table ranks some of the different features .

Ratings for Geico, Progressive, State Farm, and Allstate
Geico Progressive State Farm Allstate
Discounts Offered 2nd 4th 3rd 1st
Price Overall 1st 3rd 2nd 4th
Claims Rank 3rd 4th 2nd 1st
Customer Satisfaction 1st 3rd 4th 2nd
Mechnical breakdown Yes Yes No No
Emergency roadside assistance Yes Yes Yes Yes
New car replacement No No No Yes
Accident forgiveness Yes Yes No Yes
Usage-based rating No Yes Yes Yes
Rideshare coverage Yes Yes Yes Yes
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