Ford F150 vs. Chevrolet Silverado – Which Insurance is Cheaper?

Does the Ford F150 or the Chevrolet Silverado have cheaper car insurance? We crunched the numbers for the 2015 through 2023 model years to see which is more affordable.

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  • For the 2023 model year, a Ford F150 is cheaper to insure than a Chevrolet Silverado by an average of $142 per year.
  • Average car insurance cost per month for the Chevrolet Silverado is 6.9% more expensive than the Ford F150, at $154 versus $165, a difference of $11.
  • Out of seven models in the 2023 large truck segment, the Ford F150 ranks second and the Chevrolet Silverado ranks sixth for overall car insurance affordability.

Is insurance cheaper for a Ford F-150 or Chevy Silverado?

Average insurance rates for a 2023 Ford F150 are $1,842 per year, and a 2023 Chevrolet Silverado averages $1,984 per year, making the Ford F150 the cheapest of the two to insure.

Within each model, however, auto insurance cost varies significantly for different trim levels. In general, the higher the price of the vehicle, the higher the cost of insurance.

For a 2023 Ford F150, car insurance rates range from the lowest full-coverage rate of $1,572 per year for the XL Super Cab 4WD model up to the highest rate of $2,034 for the Lightning Platinum model.

For a 2023 Chevrolet Silverado, rates can range from $1,774 per year for the WT Regular Cab 4WD model up to $2,196 for the most expensive to insure ZR2 Crew Cab 4WD model.

When comparing both models, the cheapest model and trim level is the Ford F150 XL Super Cab 4WD at an average of $1,572 per year. The most expensive vehicle to insure is the Chevrolet Silverado ZR2 Crew Cab 4WD costing $2,196 per year.

For a 2023 Ford F150, the cheapest models are the XL Super Cab 4WD, XL Regular Cab, and XL Super Cab. The cheapest Chevrolet Silverado models include the WT Regular Cab 4WD, WT Double Cab 4WD, and WT Regular Cab 2WD.

The table below ranks the annual and monthly car insurance cost for 2023 Ford F150 and Chevrolet Silverado models, with average rates for each trim level.

2023 Ford F150 vs Chevrolet Silverado Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,572$131
$1,602$134
$1,680$140
$1,690$141
$1,702$142
$1,716$143
$1,744$145
$1,768$147
$1,772$148
$1,774$148
$1,796$150
$1,796$150
$1,820$152
$1,820$152
$1,830$153
$1,834$153
$1,868$156
$1,872$156
$1,878$157
$1,890$158
$1,898$158
$1,902$159
$1,902$159
$1,910$159
$1,918$160
$1,922$160
$1,930$161
$1,940$162
$1,946$162
$1,966$164
$1,972$164
$1,974$165
$1,978$165
$1,982$165
$1,988$166
$2,000$167
$2,006$167
$2,012$168
$2,020$168
$2,034$170
$2,044$170
$2,068$172
$2,094$175
$2,098$175
$2,132$178
$2,148$179
$2,196$183

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2023 Ford F150 and a 2023 Chevrolet Silverado. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2023 Ford F150 vs Chevrolet Silverado Insurance Cost by Trim Level

The chart shown below demonstrates the average cost to insure both models for different driver ages. For a 2023 Ford F150, the average car insurance cost ranges from $1,674 to $3,636 per year for the age groups used in this illustration. A 2023 Chevrolet Silverado costs from $1,810 to $3,966 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2023 Ford F150 and a 2023 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
2023 Ford F150 vs. 2023 Chevrolet Silverado Insurance Cost
2023 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,636$1,940$1,842$1,674
Chevrolet Silverado$3,966$2,076$1,984$1,810

Out of 27 Ford F150 trims, the cheapest 2023 trim level to insure is the XL Super Cab 4WD trim at an average cost of $1,572 per year. For the 20 trim levels available for the Chevrolet Silverado, the cheapest 2023 trim level to insure is the WT Regular Cab 4WD model at a cost of $1,774.

When all 47 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Ford F150 XL Super Cab 4WD at an average cost of $1,572 per year, and the most expensive vehicle to insure is the Chevrolet Silverado ZR2 Crew Cab 4WD at an average cost of $2,196 per year.

The tables below illustrate both 2023 models and all trim levels available for each one, plus an average rate for each model. The cheapest of the two models to insure for the 2023 model year is the Ford F150.

2023 Ford F150

$1,842

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ford F150 TrimsRate
XL Super Cab 4WD$1,572
XL Regular Cab1,602
XL Super Cab1,680
XLT Regular Cab 4WD1,690
XL Regular Cab 4WD1,702
XL SuperCrew1,716
XLT Regular Cab1,744
XLT Super Cab1,768
XL SuperCrew 4WD1,772
XLT SuperCrew1,796
XLT Super Cab 4WD1,796
XLT SuperCrew 4WD1,820
Lightning Pro1,834
Lariat SuperCrew1,878
Lightning XLT1,890
Lariat SuperCrew 4WD1,902
Tremor SuperCrew 4WD1,902
King Ranch SuperCrew1,910
Platinum SuperCrew1,922
King Ranch SuperCrew 4WD1,930
Platinum SuperCrew 4WD1,940
Lightning Lariat1,966
Raptor SuperCrew 4WD1,974
Lightning XLT Premium1,988
Limited SuperCrew2,000
Lightning Lariat Premium2,006
Lightning Platinum2,034
2023 Ford F150 Average Rate$1,842

2023 Chevrolet Silverado

$1,984

Insurance Rates by Trim Level for 2023 Ford F150
2023 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,774
WT Double Cab 4WD1,820
WT Regular Cab 2WD1,830
WT Crew Cab 4WD1,868
RST Double Cab 4WD1,872
Custom Double Cab 4WD1,898
WT Double Cab 2WD1,918
Custom Crew Cab 4WD1,946
LT Double Cab 4WD1,972
WT Crew Cab 2WD1,978
Custom Trail Boss 4WD1,982
Custom Double Cab 2WD2,012
LT Crew Cab 4WD2,020
RST Crew Cab 4WD2,044
LT Trail Boss Crew Cab 4WD2,068
LT Double Cab 2WD2,094
LTZ Crew Cab 4WD2,098
LT Crew Cab 2WD2,132
High Country Crew Cab 4WD2,148
ZR2 Crew Cab 4WD2,196
2023 Chevrolet Silverado Average Rate$1,984

2022 Ford F150 vs. Chevrolet Silverado

Average insurance rates for a 2022 Ford F150 are $1,646 per year, whereas insurance for a 2022 Chevrolet Silverado averages $1,828 per year, making the Ford F150 the model with lower average car insurance rates.

The cost of car insurance varies significantly depending on the trim level, however.

For a 2022 Ford F150, car insurance rates range from $1,418 per year for the XL Regular Cab 4WD model up to $1,874 for the Limited SuperCrew model.

For a 2022 Chevrolet Silverado, rates can range from $1,616 per year for the WT Regular Cab 4WD model up to $2,000 for the High Country Crew Cab 4WD model.

When comparing rates for both models from a trim-level perspective, the lowest-cost model and trim is the Ford F150 XL Regular Cab 4WD at an average rate of $1,418 per year, and the highest-cost model and trim is the Chevrolet Silverado High Country Crew Cab 4WD at an average of $2,000 per year.

For a 2022 Ford F150, the cheapest models are the XL Regular Cab 4WD, XL Super Cab 4WD, and XLT Regular Cab 4WD. The cheapest Chevrolet Silverado models include the WT Regular Cab 4WD, WT Double Cab 4WD, and WT Regular Cab 2WD.

On a monthly basis, car insurance rates for all 2022 Ford F150 and Chevrolet Silverado trim levels range from $118 to $167 per month.

The table shown below compares and ranks the yearly and monthly cost of car insurance for 2022 Ford F150 and Chevrolet Silverado models, showing average cost for each trim level.

2022 Ford F150 vs Chevrolet Silverado Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,418$118
$1,474$123
$1,496$125
$1,512$126
$1,514$126
$1,528$127
$1,536$128
$1,548$129
$1,580$132
$1,596$133
$1,606$134
$1,612$134
$1,612$134
$1,616$135
$1,632$136
$1,634$136
$1,644$137
$1,654$138
$1,658$138
$1,668$139
$1,676$140
$1,676$140
$1,680$140
$1,694$141
$1,696$141
$1,712$143
$1,732$144
$1,736$145
$1,736$145
$1,750$146
$1,752$146
$1,768$147
$1,770$148
$1,800$150
$1,804$150
$1,816$151
$1,822$152
$1,830$153
$1,834$153
$1,840$153
$1,842$154
$1,854$155
$1,860$155
$1,874$156
$1,900$158
$1,930$161
$1,934$161
$1,946$162
$1,978$165
$2,000$167

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2022 Ford F150 and a 2022 Chevrolet Silverado. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.

The chart below shows average Ford F150 insurance rates compared to Chevy Silverado insurance rates for the 2022 model year and for drivers aged 20, 30, 40, and 50.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2022 Ford F150 and a 2022 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
2022 Ford F150 vs. 2022 Chevrolet Silverado Insurance Cost
2022 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,258$1,726$1,646$1,496
Chevrolet Silverado$3,666$1,918$1,828$1,670

How does insurance cost for a 2022 Ford F150 compare to a Chevrolet Silverado?

  • In the chart above, average insurance cost ranges from $1,496 to $3,258 per year for the Ford F150 and $1,670 to $3,666 per year for the Chevrolet Silverado.
  • For a 20-year-old driver, the average cost is $408 less to insure a Ford F150 than a Chevrolet Silverado.
  • A 30-year-old driver pays an average of $192 less to insure a Ford F150 than a Chevrolet Silverado.
  • For a 40-year-old driver, average cost is $182 less per year to insure a Ford F150 than a Chevrolet Silverado.
  • A 50-year-old driver pays an average of $174 less to insure a Ford F150 than a Chevrolet Silverado.
  • For a 16-year-old driver, insurance on a Ford F150 costs an average of $5,942 per year and Chevrolet Silverado insurance costs an average of $6,746 per year, a difference of $804 per year.
  • A low deductible policy could cost up to $472 more per year for the Ford F150 and $528 for the Chevrolet Silverado.
  • A high deductible policy could save as much as $246 per year for the Ford F150 and $268 for the Chevrolet Silverado.

The tables below detail insurance rates for all trim levels of 2022 F150 and Silverado models. The 2022 Ford F150 has an average insurance cost of $1,646 and the 2022 Chevrolet Silverado is $1,828, making the Ford F150 cheaper by $182 per year.

2022 Ford F150

$1,646

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,418
XL Super Cab 4WD1,474
XLT Regular Cab 4WD1,496
Lightning Pro1,512
XL SuperCrew 4WD1,514
XLT Super Cab 4WD1,528
XL Regular Cab1,536
XLT SuperCrew 4WD1,548
Lariat Super Cab 4WD1,580
Lariat SuperCrew 4WD1,596
XL Super Cab1,606
Tremor SuperCrew 4WD1,612
Lightning XLT1,612
Lightning XLT Premium1,632
XLT Regular Cab1,634
King Ranch SuperCrew 4WD1,644
XL SuperCrew1,654
Platinum SuperCrew 4WD1,658
XLT Super Cab1,668
Raptor SuperCrew 4WD1,676
Lightning Lariat1,676
XLT SuperCrew1,694
Lightning Lariat Premium1,712
Lariat Super Cab1,732
Lightning Platinum1,736
Lariat SuperCrew1,752
Tremor SuperCrew1,768
King Ranch SuperCrew1,804
Platinum SuperCrew1,822
Raptor SuperCrew1,842
Limited SuperCrew1,874
2022 Ford F150 Average Rate$1,646

2022 Chevrolet Silverado

$1,828

Insurance Rates by Trim Level for 2022 Ford F150
2022 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,616
WT Double Cab 4WD1,680
WT Regular Cab 2WD1,696
WT Crew Cab 4WD1,736
Custom Double Cab 4WD1,750
WT Double Cab 2WD1,770
Custom Crew Cab 4WD1,800
LT Double Cab 4WD1,816
Trail Boss Custom Crew Cab 4WD1,830
RST Double Cab 4WD1,834
WT Crew Cab 2WD1,840
Custom Double Cab 2WD1,854
LT Crew Cab 4WD1,860
RST Crew Cab 4WD1,900
LT Double Cab 2WD1,930
Trail Boss LT Crew Cab 4WD1,934
LTZ Crew Cab 4WD1,946
LT Crew Cab 2WD1,978
High Country Crew Cab 4WD2,000
2022 Chevrolet Silverado Average Rate$1,828

2021 Ford F150 vs. Chevrolet Silverado

When comparing average insurance rates for 2021 models, a Ford F150 costs an average of $1,656 per year to insure and a Chevrolet Silverado costs $1,828, making the Ford F150 cheaper to insure by $172 per year for this model year.

The chart shown below illustrates the average cost to insure both models rated for multiple driver ages. For a 2021 Ford F150, the average car insurance cost ranges from $1,512 to $3,318 per year for the included driver ages. A 2021 Chevrolet Silverado costs from $1,670 to $3,668 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2021 Ford F150 and a 2021 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
2021 Ford F150 vs. 2021 Chevrolet Silverado Insurance Cost
2021 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,318$1,740$1,656$1,512
Chevrolet Silverado$3,668$1,918$1,828$1,670

The 2021 Ford F150 has 43 trims available, with the cheapest trim level to insure being the XL Regular Cab 6.5 4WD model at an average cost of $1,474 per year, or about $123 per month.

For the 28 trims available for the Chevrolet Silverado, the cheapest 2021 model to insure is the WT Regular Cab 4WD trim at a cost of $1,616.

When rates for all 71 trim levels for both vehicles are compared, the cheapest trim to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average cost of $1,474 per year, and the highest-cost model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD at a cost of $2,072 per year.

The next tables illustrate average cost to insure each trim level for a 2021 Ford F150 and Chevrolet Silverado, including an overall average rate.

2021 Ford F150

$1,656

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,474
XL Regular Cab 8 Ft Bed 4WD1,474
XL Regular Cab 2WD1,512
XL Regular Cab 6.5 2WD1,512
XL Super Cab 6.5 4WD1,526
XL Super Cab 8 Ft Bed 4WD1,526
XL SuperCrew 4WD1,526
XLT Regular Cab 6.5 4WD1,526
XLT Regular Cab 8 Ft Bed 4WD1,526
XL Super Cab 6.5 2WD1,564
XL SuperCrew 6.5 4WD1,576
XLT Super Cab 6.5 4WD1,576
XLT Super Cab 8 Ft Bed 4WD1,576
XLT SuperCrew 4WD1,576
XLT SuperCrew 6.51,592
Lariat Super Cab 4WD1,626
Lariat Super Cab 6.5 4WD1,626
Lariat Super Cab 8 Ft Bed 4WD1,626
XLT SuperCrew 6.5 4WD1,626
Lariat Super Cab 6.51,640
XL Super Cab 8 Ft Bed 2WD1,664
XL SuperCrew 2WD1,664
XLT Regular Cab 2WD1,664
XLT Regular Cab 6.5 2WD1,664
Raptor Super Cab 4WD1,676
King Ranch Crew Cab 6.51,692
XL SuperCrew 6.51,712
XLT Super Cab 6.5 2WD1,712
XLT Super Cab 8 Ft Bed 2WD1,712
XLT SuperCrew 2WD1,712
King Ranch Crew Cab 4WD1,726
King Ranch Crew Cab 6.5 4WD1,726
Platinum SuperCrew 4WD1,726
Platinum SuperCrew 6.5 4WD1,726
Raptor Crew Cab 4WD1,726
Platinum SuperCrew 6.51,740
Lariat Super Cab 2WD1,764
Lariat Super Cab 6.5 2WD1,764
Lariat Super Cab 8 Ft Bed 2WD1,764
Limited Super Cab 4WD1,862
King Ranch Crew Cab 2WD1,864
Platinum SuperCrew 2WD1,914
Limited Super Cab 2WD1,964
2021 Ford F150 Average Rate$1,656

2021 Chevrolet Silverado

$1,828

Insurance Rates by Trim Level for 2021 Ford F150
2021 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,616
WT Double Cab 4WD1,666
Custom Double Cab 4WD1,716
Trail Boss Custom Double Cab 4WD1,716
WT Crew Cab 4WD1,716
Custom Crew Cab 4WD1,766
LT Crew Cab 4WD1,766
LT Double Cab 4WD1,766
RST Crew Cab 4WD1,766
RST Double Cab 4WD1,766
Trail Boss Custom Crew Cab 4WD1,766
WT Regular Cab 2WD1,770
LTZ Crew Cab 4WD1,816
LTZ Double Cab 4WD1,816
Trail Boss LT Crew Cab 4WD1,816
Trail Boss LT Double Cab 4WD1,816
WT Double Cab 2WD1,822
Custom Double Cab 2WD1,872
WT Crew Cab 2WD1,872
High Country Crew Cab 4WD1,916
Custom Crew Cab 2WD1,922
LT Crew Cab 2WD1,922
LT Double Cab 2WD1,922
RST Double Cab 2WD1,922
LTZ Double Cab 2WD1,972
RST Crew Cab 2WD1,972
LTZ Crew Cab 2WD2,022
High Country Crew Cab 2WD2,072
2021 Chevrolet Silverado Average Rate$1,828

2020 Ford F150 vs Chevrolet Silverado

When comparing insurance rates for the 2020 Ford F150 and Chevrolet Silverado models, the Ford F150 is cheaper to insure by an average of $172 per year for 2020.

The chart shown below illustrates the average cost to insure both 2020 models rated for different driver ages. For a 2020 Ford F150, the average car insurance cost ranges from $1,492 to $3,278 per year. A 2020 Chevrolet Silverado costs from $1,650 to $3,628 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2020 Ford F150 and a 2020 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 11, 2023
2020 Ford F150 vs. 2020 Chevrolet Silverado Insurance Cost
2020 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,278$1,716$1,634$1,492
Chevrolet Silverado$3,628$1,892$1,806$1,650

The 2020 Ford F150 has 43 trim levels available, with the cheapest trim level to insure being the XL Regular Cab 6.5 4WD model at an average cost of $1,456 per year.

For the 28 trims available for the Chevrolet Silverado, the cheapest 2020 trim to insure is the WT Regular Cab 4WD model at a cost of $1,594 per year, or around $133 per month.

When rates for all 71 trim levels for both vehicles are compared, the cheapest trim to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average cost of $1,456 per year. The overall most expensive vehicle to insure is the Chevrolet Silverado High Country Crew Cab 2WD at an average cost of $2,048 per year.

The next two rate tables show the expected annual car insurance cost by trim level for both 2020 models, along with the average rate for each model. The model with the cheapest auto insurance rates for 2020 is the Ford F150.

2020 Ford F150

$1,634

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,456
XL Regular Cab 8 Ft Bed 4WD1,456
XL Regular Cab 2WD1,496
XL Regular Cab 6.5 2WD1,496
XL Super Cab 6.5 4WD1,504
XL Super Cab 8 Ft Bed 4WD1,504
XL SuperCrew 4WD1,504
XLT Regular Cab 6.5 4WD1,504
XLT Regular Cab 8 Ft Bed 4WD1,504
XL Super Cab 6.5 2WD1,544
XL SuperCrew 6.5 4WD1,556
XLT Super Cab 6.5 4WD1,556
XLT Super Cab 8 Ft Bed 4WD1,556
XLT SuperCrew 4WD1,556
XLT SuperCrew 6.51,570
Lariat Super Cab 4WD1,604
Lariat Super Cab 6.5 4WD1,604
Lariat Super Cab 8 Ft Bed 4WD1,604
XLT SuperCrew 6.5 4WD1,604
Lariat Super Cab 6.51,618
XL Super Cab 8 Ft Bed 2WD1,644
XL SuperCrew 2WD1,644
XLT Regular Cab 2WD1,644
XLT Regular Cab 6.5 2WD1,644
Raptor Super Cab 4WD1,652
King Ranch Crew Cab 6.51,666
XL SuperCrew 6.51,692
XLT Super Cab 6.5 2WD1,692
XLT Super Cab 8 Ft Bed 2WD1,692
XLT SuperCrew 2WD1,692
King Ranch Crew Cab 4WD1,700
King Ranch Crew Cab 6.5 4WD1,700
Platinum SuperCrew 4WD1,700
Platinum SuperCrew 6.5 4WD1,700
Raptor Crew Cab 4WD1,700
Platinum SuperCrew 6.51,714
Lariat Super Cab 2WD1,740
Lariat Super Cab 6.5 2WD1,740
Lariat Super Cab 8 Ft Bed 2WD1,740
Limited Super Cab 4WD1,834
King Ranch Crew Cab 2WD1,840
Platinum SuperCrew 2WD1,888
Limited Super Cab 2WD1,936
2020 Ford F150 Average Rate$1,634

2020 Chevrolet Silverado

$1,806

Insurance Rates by Trim Level for 2020 Ford F150
2020 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,594
WT Double Cab 4WD1,646
Custom Double Cab 4WD1,694
Trail Boss Custom Double Cab 4WD1,694
WT Crew Cab 4WD1,694
Custom Crew Cab 4WD1,742
LT Crew Cab 4WD1,742
LT Double Cab 4WD1,742
RST Crew Cab 4WD1,742
RST Double Cab 4WD1,742
Trail Boss Custom Crew Cab 4WD1,742
WT Regular Cab 2WD1,754
LTZ Crew Cab 4WD1,790
LTZ Double Cab 4WD1,790
Trail Boss LT Crew Cab 4WD1,790
Trail Boss LT Double Cab 4WD1,790
WT Double Cab 2WD1,802
Custom Double Cab 2WD1,852
WT Crew Cab 2WD1,852
High Country Crew Cab 4WD1,890
Custom Crew Cab 2WD1,900
LT Crew Cab 2WD1,900
LT Double Cab 2WD1,900
RST Double Cab 2WD1,900
LTZ Double Cab 2WD1,948
RST Crew Cab 2WD1,948
LTZ Crew Cab 2WD1,998
High Country Crew Cab 2WD2,048
2020 Chevrolet Silverado Average Rate$1,806

2019 Ford F150 vs Chevrolet Silverado

When comparing insurance cost for 2019 models, the Ford F150 costs an average of $1,548 per year to insure and the Chevrolet Silverado costs $1,732, making the Ford F150 the winner by $184 for the 2019 comparison year.

The next chart visualizes the average cost to insure both 2019 models for a range of driver ages. The average car insurance cost ranges from $1,412 to $3,096 per year for a 2019 Ford F150, and $1,582 to $3,474 for a 2019 Chevrolet Silverado for the included age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2019 Ford F150 and a 2019 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
2019 Ford F150 vs. 2019 Chevrolet Silverado Insurance Cost
2019 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$3,096$1,624$1,548$1,412
Chevrolet Silverado$3,474$1,812$1,732$1,582

Out of 24 trims for the 2019 Ford F150, the cheapest rates are on the XL Regular Cab 4WD model at a cost of $1,326 per year, or around $111 per month. The 2019 Chevrolet Silverado has 28 trims available, with the cheapest model to insure being the Double Cab 4WD trim at an average cost of $1,620 per year, or around $135 per month.

When rates are compared for the 52 trim levels of both 2019 models, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average cost of $1,326 per year. The most expensive trim is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,898 per year.

The tables below display average car insurance rates for every trim level for both 2019 models, along with the average rate for each model. The winner for the 2019 car insurance cost comparison is the Ford F150.

2019 Ford F150

$1,548

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ford F150 TrimsRate
XL Regular Cab 4WD$1,326
XL Super Cab 4WD1,388
XL Regular Cab 2WD1,398
XL Crew Cab 4WD1,434
XLT Regular Cab 4WD1,434
XL Super Cab 2WD1,444
XLT Crew Cab 4WD1,482
XLT Super Cab 4WD1,482
XL Crew Cab 2WD1,506
XLT Regular Cab 2WD1,506
Lariat Crew Cab 4WD1,530
Lariat Super Cab 4WD1,530
XLT Crew Cab 2WD1,552
XLT Super Cab 2WD1,552
Raptor Super Cab 4WD1,576
Lariat Crew Cab 2WD1,600
Lariat Super Cab 2WD1,600
King Ranch Crew Cab 4WD1,624
Platinum Crew Cab 4WD1,624
Raptor Crew Cab 4WD1,624
King Ranch Crew Cab 2WD1,694
Platinum Crew Cab 2WD1,694
Limited Crew Cab 4WD1,750
Limited Crew Cab 2WD1,822
2019 Ford F150 Average Rate$1,548

2019 Chevrolet Silverado

$1,732

Insurance Rates by Trim Level for 2019 Ford F150
2019 Chevrolet Silverado TrimsRate
Double Cab 4WD$1,620
WT Double Cab 4WD1,620
Double Cab 2WD1,662
WT Double Cab 2WD1,662
Custom Double Cab 4WD1,666
Trail Boss Custom Double Cab 4WD1,666
WT Crew Cab 4WD1,666
Custom Double Cab 2WD1,710
WT Crew Cab 2WD1,710
Custom Crew Cab 4WD1,714
LT Crew Cab 4WD1,714
LT Double Cab 4WD1,714
RST Crew Cab 4WD1,714
RST Double Cab 4WD1,714
Trail Boss Custom Crew Cab 4WD1,714
Custom Crew Cab 2WD1,756
LT Crew Cab 2WD1,756
LT Double Cab 2WD1,756
RST Double Cab 2WD1,756
LTZ Crew Cab 4WD1,760
LTZ Double Cab 4WD1,760
Trail Boss LT Crew Cab 4WD1,760
Trail Boss LT Double Cab 4WD1,760
LTZ Double Cab 2WD1,804
RST Crew Cab 2WD1,804
LTZ Crew Cab 2WD1,850
High Country Crew Cab 4WD1,854
High Country Crew Cab 2WD1,898
2019 Chevrolet Silverado Average Rate$1,732

2018 Ford F150 vs Chevrolet Silverado

When comparing car insurance rates for 2018 models, the Ford F150 costs an average of $1,490 per year to insure and the Chevrolet Silverado costs $1,676, making the Ford F150 the winner by $186 for the 2018 comparison year.

The chart shown below displays the average cost to insure both models for the 20 to 50-year-old driver age groups. Average car insurance cost ranges from $1,360 to $2,984 per year for a 2018 Ford F150, and $1,530 to $3,364 for a 2018 Chevrolet Silverado for the illustrated age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2018 Ford F150 and a 2018 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
2018 Ford F150 vs. 2018 Chevrolet Silverado Insurance Cost
2018 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,984$1,562$1,490$1,360
Chevrolet Silverado$3,364$1,750$1,676$1,530

Out of 24 trim levels for the 2018 Ford F150, the cheapest rates are on the XL Regular Cab 4WD model at a cost of $1,296 per year, or about $108 per month.

For the 32 trim levels available for the Chevrolet Silverado, the cheapest 2018 trim level to insure is the WT Regular Cab 4WD trim at a cost of $1,534.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average of $1,296 per year. The most expensive model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,850 per year.

The tables below illustrate all the available trims for both 2018 models, along with an average cost for each model. The cheapest model to insure for the 2018 model year is the Ford F150.

2018 Ford F150

$1,490

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ford F150 TrimsRate
XL Regular Cab 4WD$1,296
XL Regular Cab 2WD1,322
XL Super Cab 4WD1,354
XL Crew Cab 4WD1,398
XLT Regular Cab 4WD1,398
XLT Super Cab 4WD1,398
XL Super Cab 2WD1,412
XLT Regular Cab 2WD1,412
Lariat Super Cab 4WD1,444
XLT Crew Cab 4WD1,444
XL Crew Cab 2WD1,470
XLT Super Cab 2WD1,470
Lariat Crew Cab 4WD1,490
Raptor Super Cab 4WD1,490
XLT Crew Cab 2WD1,516
Raptor Crew Cab 4WD1,534
Lariat Crew Cab 2WD1,560
Lariat Super Cab 2WD1,560
King Ranch Crew Cab 4WD1,580
Platinum Crew Cab 4WD1,580
Limited Crew Cab 4WD1,624
King Ranch Crew Cab 2WD1,650
Platinum Crew Cab 2WD1,650
Limited Crew Cab 2WD1,728
2018 Ford F150 Average Rate$1,490

2018 Chevrolet Silverado

$1,676

Insurance Rates by Trim Level for 2018 Ford F150
2018 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,534
WT Regular Cab 2WD1,578
LS Regular Cab 4WD1,580
Custom Double Cab 4WD1,624
LS Double Cab 4WD1,624
LS Regular Cab 2WD1,624
LT Regular Cab 4WD1,624
WT Crew Cab 4WD1,624
WT Double Cab 2WD1,624
WT Double Cab 4WD1,624
Custom Crew Cab 4WD1,670
Custom Double Cab 2WD1,670
Hybrid Crew Cab 4WD1,670
LS Crew Cab 4WD1,670
LS Double Cab 2WD1,670
LT Crew Cab 4WD1,670
LT Double Cab 4WD1,670
LT Regular Cab 2WD1,670
Z71 Crew Cab 4WD1,670
Z71 Double Cab 4WD1,670
Custom Crew Cab 2WD1,714
Hybrid Crew Cab 2WD1,714
LS Crew Cab 2WD1,714
LT Crew Cab 2WD1,714
LTZ Crew Cab 4WD1,714
LTZ Double Cab 4WD1,714
WT Crew Cab 2WD1,714
LT Double Cab 2WD1,728
LTZ Crew Cab 2WD1,760
LTZ Double Cab 2WD1,760
High Country Crew Cab 4WD1,806
High Country Crew Cab 2WD1,850
2018 Chevrolet Silverado Average Rate$1,676

2017 Ford F150 vs Chevrolet Silverado

For 2017 Ford F150 and Chevrolet Silverado models, the Ford F150 has lower-cost car insurance by an average of $170 per year for 2017.

The rate chart below illustrates the average cost to insure both 2017 models using different driver ages. Insurance cost ranges from $1,306 to $2,860 per year for a 2017 Ford F150, and $1,462 to $3,210 for a 2017 Chevrolet Silverado for the age groups used in this illustration.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2017 Ford F150 and a 2017 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
2017 Ford F150 vs. 2017 Chevrolet Silverado Insurance Cost
2017 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,860$1,494$1,432$1,306
Chevrolet Silverado$3,210$1,668$1,602$1,462

Out of 24 Ford F150 trims, the cheapest 2017 trim to insure is the XL Regular Cab 4WD trim at an average cost of $1,248 per year.

For the 30 trim levels available for the Chevrolet Silverado, the cheapest 2017 model to insure is the LS Regular Cab 4WD model at a cost of $1,480.

When all 54 trims of both models are combined and compared, the cheapest trim to insure is the Ford F150 XL Regular Cab 4WD at an average of $1,248 per year. The overall most expensive vehicle to insure is the Chevrolet Silverado High Country Crew Cab 2WD at an average cost of $1,780 per year.

The two tables below display trim level insurance rates for each 2017 model, plus the average rate for each model. The model with the cheapest overall car insurance cost for 2017 is the Ford F150.

2017 Ford F150

$1,432

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ford F150 TrimsRate
XL Regular Cab 4WD$1,248
XL Regular Cab 2WD1,280
XL Super Cab 4WD1,302
XLT Regular Cab 4WD1,302
XL Crew Cab 4WD1,346
XLT Super Cab 4WD1,346
XL Super Cab 2WD1,364
XLT Regular Cab 2WD1,364
Lariat Super Cab 4WD1,388
XLT Crew Cab 4WD1,388
XL Crew Cab 2WD1,420
XLT Super Cab 2WD1,420
Lariat Crew Cab 4WD1,430
SVT Super Cab Raptor 4WD1,430
XLT Crew Cab 2WD1,462
Lariat King Ranch 4WD1,472
SVT Crew Cab Raptor 4WD1,472
Lariat Crew Cab 2WD1,506
Lariat Super Cab 2WD1,506
Lariat Crew Cab Platinum Edition 4WD1,514
Limited Crew Cab 4WD1,556
Lariat Crew Cab Platinum Edition 2WD1,588
Lariat King Ranch 2WD1,588
Limited Crew Cab 2WD1,632
2017 Ford F150 Average Rate$1,432

2017 Chevrolet Silverado

$1,602

Insurance Rates by Trim Level for 2017 Ford F150
2017 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,480
WT Regular Cab 4WD1,480
WT Regular Cab 2WD1,496
WT Double Cab 4WD1,522
LS Regular Cab 2WD1,526
Custom Crew Cab 4WD1,564
Custom Double Cab 4WD1,564
LS Double Cab 4WD1,564
LT Double Cab 4WD1,564
LT Regular Cab 4WD1,564
WT Crew Cab 4WD1,564
WT Double Cab 2WD1,568
LS Crew Cab 4WD1,606
LT Crew Cab 4WD1,606
LTZ Double Cab 4WD1,606
Z71 Crew Cab 4WD1,606
Z71 Double Cab 4WD1,606
Custom Double Cab 2WD1,610
LS Double Cab 2WD1,610
LT Regular Cab 2WD1,610
WT Crew Cab 2WD1,610
LTZ Crew Cab 4WD1,648
Custom Crew Cab 2WD1,652
LS Crew Cab 2WD1,652
LT Crew Cab 2WD1,652
LT Double Cab 2WD1,652
High Country Crew Cab 4WD1,692
LTZ Crew Cab 2WD1,694
LTZ Double Cab 2WD1,694
High Country Crew Cab 2WD1,780
2017 Chevrolet Silverado Average Rate$1,602

2016 Ford F150 vs Chevrolet Silverado

For the 2016 Ford F150 and Chevrolet Silverado models, the Ford F150 has cheaper car insurance rates by an average of $188 per year for this model year.

The chart below displays the average cost to insure the two models using a range of rated driver ages. For a 2016 Ford F150, insurance cost ranges from $1,278 to $2,808 per year for the included driver ages. A 2016 Chevrolet Silverado costs from $1,450 to $3,184 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2016 Ford F150 and a 2016 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
2016 Ford F150 vs. 2016 Chevrolet Silverado Insurance Cost
2016 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,808$1,460$1,402$1,278
Chevrolet Silverado$3,184$1,652$1,590$1,450

For the 22 trims available for the 2016 Ford F150, the cheapest trim to insure is the XL Regular Cab 4WD trim at an average cost of $1,240 per year, or around $103 per month. The 2016 Chevrolet Silverado has 30 trim levels available, with the cheapest model to insure being the LS Regular Cab 4WD model at an average cost of $1,464 per year, or $122 per month.

When rates for all 52 trim levels for both vehicles are compared, the cheapest vehicle to insure is the Ford F150 XL Regular Cab 4WD at a cost of $1,240 per year, and the highest-cost model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD at a cost of $1,740 per year.

The tables shown below show both 2016 models and all trim levels available for each one, including an overall average cost for each model. The winner for the 2016 car insurance battle is the Ford F150.

2016 Ford F150

$1,402

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ford F150 TrimsRate
XL Regular Cab 4WD$1,240
XL Regular Cab 2WD1,264
XL Super Cab 4WD1,292
XLT Regular Cab 4WD1,292
XL Crew Cab 4WD1,332
XLT Super Cab 4WD1,332
XL Crew Cab 2WD1,344
XL Super Cab 2WD1,344
XLT Regular Cab 2WD1,344
Lariat Super Cab 4WD1,372
XLT Crew Cab 4WD1,372
XLT Super Cab 2WD1,396
Lariat Crew Cab 4WD1,412
Lariat Super Cab 2WD1,436
XLT Crew Cab 2WD1,436
Lariat King Ranch 4WD1,452
Lariat Crew Cab 2WD1,476
Lariat Crew Cab Platinum Edition 4WD1,494
Lariat King Ranch 2WD1,516
Limited Crew Cab 4WD1,534
Lariat Crew Cab Platinum Edition 2WD1,558
Limited Crew Cab 2WD1,598
2016 Ford F150 Average Rate$1,402

2016 Chevrolet Silverado

$1,590

Insurance Rates by Trim Level for 2016 Ford F150
2016 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,464
WT Regular Cab 4WD1,464
WT Regular Cab 2WD1,498
WT Double Cab 4WD1,504
LS Regular Cab 2WD1,538
Custom Double Cab 4WD1,544
LS Double Cab 4WD1,544
LT Double Cab 4WD1,544
LT Regular Cab 4WD1,544
WT Crew Cab 4WD1,544
Custom Double Cab 2WD1,578
LS Double Cab 2WD1,578
LT Regular Cab 2WD1,578
WT Double Cab 2WD1,578
Custom Crew Cab 4WD1,586
LS Crew Cab 4WD1,586
LT Crew Cab 4WD1,586
LTZ Double Cab 4WD1,586
Z71 Crew Cab 4WD1,586
Z71 Double Cab 4WD1,586
LT Double Cab 2WD1,620
LTZ Crew Cab 4WD1,626
WT Crew Cab 2WD1,640
Custom Crew Cab 2WD1,660
LS Crew Cab 2WD1,660
LT Crew Cab 2WD1,660
High Country Crew Cab 4WD1,666
LTZ Crew Cab 2WD1,700
LTZ Double Cab 2WD1,700
High Country Crew Cab 2WD1,740
2016 Chevrolet Silverado Average Rate$1,590

2015 Ford F150 vs Chevrolet Silverado

When comparing average insurance rates for 2015 models, a Ford F150 costs an average of $1,410 per year to insure and a Chevrolet Silverado costs $1,480, making the Ford F150 cheaper to insure by $70 per year for this model year.

The rate chart below shows the average cost to insure the two models with different ages of drivers. The average cost of car insurance ranges from $1,292 to $2,828 per year for a 2015 Ford F150, and $1,352 to $2,948 for a 2015 Chevrolet Silverado for the illustrated age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2015 Ford F150 and a 2015 Chevrolet Silverado with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Ford F150 and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
2015 Ford F150 vs. 2015 Chevrolet Silverado Insurance Cost
2015 Ford F150 vs. Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,828$1,464$1,410$1,292
Chevrolet Silverado$2,948$1,530$1,480$1,352

Out of 20 Ford F150 trims, the cheapest 2015 trim to insure is the XL Regular Cab 2WD model at an average cost of $1,246 per year, or $104 per month. Out of the 25 trim levels available for the Chevrolet Silverado, the cheapest 2015 trim level to insure is the LS Regular Cab 4WD model at a cost of $1,308.

When average car insurance prices for all 45 trim levels for the 2015 model year of both models are compared, the cheapest model and trim level to insure is the Ford F150 XL Regular Cab 2WD at an average cost of $1,246 per year, and the most expensive model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,672 per year.

The tables below display average car insurance cost by trim level for a 2015 Ford F150 and Chevrolet Silverado, including an overall average rate.

2015 Ford F150

$1,410

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ford F150 TrimsRate
XL Regular Cab 2WD$1,246
XL Super Cab 2WD1,310
XL Regular Cab 4WD1,334
XL Super Cab 4WD1,334
XL Crew Cab 2WD1,346
XLT Regular Cab 2WD1,346
XL Crew Cab 4WD1,384
XLT Regular Cab 4WD1,384
XLT Crew Cab 2WD1,394
XLT Super Cab 2WD1,394
XLT Crew Cab 4WD1,418
XLT Super Cab 4WD1,418
Lariat Super Cab 2WD1,430
Lariat Crew Cab 4WD1,456
Lariat Super Cab 4WD1,456
Lariat Crew Cab 2WD1,468
Lariat King Ranch 2WD1,504
Lariat Crew Cab Platinum Edition 4WD1,530
Lariat King Ranch 4WD1,530
Lariat Crew Cab Platinum Edition 2WD1,542
2015 Ford F150 Average Rate$1,410

2015 Chevrolet Silverado

$1,480

Insurance Rates by Trim Level for 2015 Ford F150
2015 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,308
WT Regular Cab 4WD1,308
LS Double Cab 4WD1,356
LT Regular Cab 4WD1,356
WT Double Cab 4WD1,356
LS Crew Cab 4WD1,392
LT Double Cab 4WD1,392
LTZ Double Cab 4WD1,392
WT Crew Cab 4WD1,392
LT Crew Cab 4WD1,430
WT Regular Cab 2WD1,450
LTZ Crew Cab 4WD1,466
LS Regular Cab 2WD1,488
High Country Crew Cab 4WD1,504
LS Double Cab 2WD1,524
LT Regular Cab 2WD1,524
WT Double Cab 2WD1,524
LT Double Cab 2WD1,560
WT Crew Cab 2WD1,560
LS Crew Cab 2WD1,598
LT Crew Cab 2WD1,598
LTZ Double Cab 2WD1,598
Z71 Crew Cab 2WD1,598
LTZ Crew Cab 2WD1,634
High Country Crew Cab 2WD1,672
2015 Chevrolet Silverado Average Rate$1,480

Additional Ford F150 and Chevrolet Silverado Resources