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 $136 per year.
  • Average car insurance cost per month for the Chevrolet Silverado is 7.1% more expensive than the Ford F150, at $150 versus $161, 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 $1,794 per year, and a 2023 Chevrolet Silverado averages $1,930 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 $1,534 per year for the XL Super Cab 4WD model up to the highest rate of $1,980 for the Lightning Platinum model.

For a 2023 Chevrolet Silverado, rates can range from $1,726 per year for the WT Regular Cab 4WD model up to $2,138 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 $1,534 per year. The most expensive vehicle to insure is the Chevrolet Silverado ZR2 Crew Cab 4WD costing $2,138 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
$1,534$128
$1,560$130
$1,634$136
$1,646$137
$1,658$138
$1,672$139
$1,698$142
$1,722$144
$1,726$144
$1,726$144
$1,748$146
$1,748$146
$1,770$148
$1,772$148
$1,780$148
$1,786$149
$1,818$152
$1,820$152
$1,828$152
$1,840$153
$1,846$154
$1,850$154
$1,850$154
$1,862$155
$1,868$156
$1,872$156
$1,878$157
$1,890$158
$1,894$158
$1,916$160
$1,920$160
$1,920$160
$1,924$160
$1,926$161
$1,938$162
$1,948$162
$1,952$163
$1,954$163
$1,958$163
$1,980$165
$1,984$165
$2,006$167
$2,036$170
$2,040$170
$2,074$173
$2,086$174
$2,138$178

Get Rates in Your AreaWhy is this important?

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 February 5, 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 $1,632 to $3,544 per year for the age groups used in this illustration. A 2023 Chevrolet Silverado costs from $1,760 to $3,864 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 February 17, 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$3,544$1,890$1,794$1,632
Chevrolet Silverado$3,864$2,020$1,930$1,760

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 $1,534 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 $1,726.

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 $1,534 per year, and the most expensive vehicle to insure is the Chevrolet Silverado ZR2 Crew Cab 4WD at an average cost of $2,138 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

$1,794

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ford F150 TrimsRate
XL Super Cab 4WD$1,534
XL Regular Cab1,560
XL Super Cab1,634
XLT Regular Cab 4WD1,646
XL Regular Cab 4WD1,658
XL SuperCrew1,672
XLT Regular Cab1,698
XLT Super Cab1,722
XL SuperCrew 4WD1,726
XLT SuperCrew1,748
XLT Super Cab 4WD1,748
XLT SuperCrew 4WD1,772
Lightning Pro1,786
Lariat SuperCrew1,828
Lightning XLT1,840
Lariat SuperCrew 4WD1,850
Tremor SuperCrew 4WD1,850
King Ranch SuperCrew1,862
Platinum SuperCrew1,872
King Ranch SuperCrew 4WD1,878
Platinum SuperCrew 4WD1,890
Lightning Lariat1,916
Raptor SuperCrew 4WD1,920
Lightning XLT Premium1,938
Limited SuperCrew1,948
Lightning Lariat Premium1,952
Lightning Platinum1,980
2023 Ford F150 Average Rate$1,794

2023 Chevrolet Silverado

$1,930

Insurance Rates by Trim Level for 2023 Ford F150
2023 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,726
WT Double Cab 4WD1,770
WT Regular Cab 2WD1,780
WT Crew Cab 4WD1,818
RST Double Cab 4WD1,820
Custom Double Cab 4WD1,846
WT Double Cab 2WD1,868
Custom Crew Cab 4WD1,894
LT Double Cab 4WD1,920
WT Crew Cab 2WD1,924
Custom Trail Boss 4WD1,926
LT Crew Cab 4WD1,954
Custom Double Cab 2WD1,958
RST Crew Cab 4WD1,984
LT Trail Boss Crew Cab 4WD2,006
LTZ Crew Cab 4WD2,036
LT Double Cab 2WD2,040
LT Crew Cab 2WD2,074
High Country Crew Cab 4WD2,086
ZR2 Crew Cab 4WD2,138
2023 Chevrolet Silverado Average Rate$1,930

2022 Ford F150 vs. Chevrolet Silverado

Average insurance rates for a 2022 Ford F150 are $1,600 per year, whereas insurance for a 2022 Chevrolet Silverado averages $1,780 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 $1,382 per year for the XL Regular Cab 4WD model up to $1,822 for the Limited SuperCrew model.

For a 2022 Chevrolet Silverado, rates can range from $1,570 per year for the WT Regular Cab 4WD model up to $1,944 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 $1,382 per year, and the highest-cost model and trim is the Chevrolet Silverado High Country Crew Cab 4WD at an average of $1,944 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 $115 to $162 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
$1,382$115
$1,436$120
$1,458$122
$1,472$123
$1,476$123
$1,490$124
$1,494$125
$1,510$126
$1,540$128
$1,556$130
$1,560$130
$1,570$131
$1,572$131
$1,572$131
$1,586$132
$1,592$133
$1,602$134
$1,606$134
$1,616$135
$1,620$135
$1,634$136
$1,634$136
$1,634$136
$1,646$137
$1,652$138
$1,670$139
$1,682$140
$1,688$141
$1,694$141
$1,700$142
$1,704$142
$1,718$143
$1,724$144
$1,750$146
$1,754$146
$1,766$147
$1,768$147
$1,782$149
$1,784$149
$1,790$149
$1,792$149
$1,806$151
$1,810$151
$1,822$152
$1,846$154
$1,880$157
$1,882$157
$1,892$158
$1,928$161
$1,944$162

Get Rates in Your AreaWhy is this important?

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 February 17, 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$3,176$1,682$1,600$1,458
Chevrolet Silverado$3,574$1,868$1,780$1,624

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

  • In the chart above, average insurance cost ranges from $1,458 to $3,176 per year for the Ford F150 and $1,624 to $3,574 per year for the Chevrolet Silverado.
  • For a 20-year-old driver, the average cost is $398 less to insure a Ford F150 than a Chevrolet Silverado.
  • A 30-year-old driver pays an average of $186 less to insure a Ford F150 than a Chevrolet Silverado.
  • For a 40-year-old driver, average cost is $180 less per year to insure a Ford F150 than a Chevrolet Silverado.
  • A 50-year-old driver pays an average of $166 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 $5,790 per year and Chevrolet Silverado insurance costs an average of $6,570 per year, a difference of $780 per year.
  • A low deductible policy could cost up to $462 more per year for the Ford F150 and $514 for the Chevrolet Silverado.
  • A high deductible policy could save as much as $236 per year for the Ford F150 and $262 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 $1,600 and the 2022 Chevrolet Silverado is $1,780, making the Ford F150 cheaper by $180 per year.

2022 Ford F150

$1,600

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,382
XL Super Cab 4WD1,436
XLT Regular Cab 4WD1,458
Lightning Pro1,472
XL SuperCrew 4WD1,476
XLT Super Cab 4WD1,490
XL Regular Cab1,494
XLT SuperCrew 4WD1,510
Lariat Super Cab 4WD1,540
Lariat SuperCrew 4WD1,556
XL Super Cab1,560
Tremor SuperCrew 4WD1,572
Lightning XLT1,572
XLT Regular Cab1,586
Lightning XLT Premium1,592
King Ranch SuperCrew 4WD1,602
XL SuperCrew1,606
Platinum SuperCrew 4WD1,616
XLT Super Cab1,620
Raptor SuperCrew 4WD1,634
Lightning Lariat1,634
XLT SuperCrew1,646
Lightning Lariat Premium1,670
Lariat Super Cab1,682
Lightning Platinum1,694
Lariat SuperCrew1,704
Tremor SuperCrew1,718
King Ranch SuperCrew1,754
Platinum SuperCrew1,768
Raptor SuperCrew1,790
Limited SuperCrew1,822
2022 Ford F150 Average Rate$1,600

2022 Chevrolet Silverado

$1,780

Insurance Rates by Trim Level for 2022 Ford F150
2022 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,570
WT Double Cab 4WD1,634
WT Regular Cab 2WD1,652
WT Crew Cab 4WD1,688
Custom Double Cab 4WD1,700
WT Double Cab 2WD1,724
Custom Crew Cab 4WD1,750
LT Double Cab 4WD1,766
Trail Boss Custom Crew Cab 4WD1,782
RST Double Cab 4WD1,784
WT Crew Cab 2WD1,792
Custom Double Cab 2WD1,806
LT Crew Cab 4WD1,810
RST Crew Cab 4WD1,846
LT Double Cab 2WD1,880
Trail Boss LT Crew Cab 4WD1,882
LTZ Crew Cab 4WD1,892
LT Crew Cab 2WD1,928
High Country Crew Cab 4WD1,944
2022 Chevrolet Silverado Average Rate$1,780

2021 Ford F150 vs. Chevrolet Silverado

When comparing average insurance rates for 2021 models, a Ford F150 costs an average of $1,614 per year to insure and a Chevrolet Silverado costs $1,780, making the Ford F150 cheaper to insure by $166 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 $1,474 to $3,230 per year for the included driver ages. A 2021 Chevrolet Silverado costs from $1,626 to $3,578 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 February 17, 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$3,230$1,696$1,614$1,474
Chevrolet Silverado$3,578$1,870$1,780$1,626

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 $1,438 per year, or about $120 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 $1,574.

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 $1,438 per year, and the highest-cost model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD at a cost of $2,018 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

$1,614

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,438
XL Regular Cab 8 Ft Bed 4WD1,438
XL Regular Cab 2WD1,470
XL Regular Cab 6.5 2WD1,470
XL Super Cab 6.5 4WD1,488
XL Super Cab 8 Ft Bed 4WD1,488
XL SuperCrew 4WD1,488
XLT Regular Cab 6.5 4WD1,488
XLT Regular Cab 8 Ft Bed 4WD1,488
XL Super Cab 6.5 2WD1,520
XL SuperCrew 6.5 4WD1,536
XLT Super Cab 6.5 4WD1,536
XLT Super Cab 8 Ft Bed 4WD1,536
XLT SuperCrew 4WD1,536
XLT SuperCrew 6.51,550
Lariat Super Cab 4WD1,584
Lariat Super Cab 6.5 4WD1,584
Lariat Super Cab 8 Ft Bed 4WD1,584
XLT SuperCrew 6.5 4WD1,584
Lariat Super Cab 6.51,600
XL Super Cab 8 Ft Bed 2WD1,618
XL SuperCrew 2WD1,618
XLT Regular Cab 2WD1,618
XLT Regular Cab 6.5 2WD1,618
Raptor Super Cab 4WD1,634
King Ranch Crew Cab 6.51,648
XL SuperCrew 6.51,668
XLT Super Cab 6.5 2WD1,668
XLT Super Cab 8 Ft Bed 2WD1,668
XLT SuperCrew 2WD1,668
King Ranch Crew Cab 4WD1,684
King Ranch Crew Cab 6.5 4WD1,684
Platinum SuperCrew 4WD1,684
Platinum SuperCrew 6.5 4WD1,684
Raptor Crew Cab 4WD1,684
Platinum SuperCrew 6.51,698
Lariat Super Cab 2WD1,716
Lariat Super Cab 6.5 2WD1,716
Lariat Super Cab 8 Ft Bed 2WD1,716
King Ranch Crew Cab 2WD1,812
Limited Super Cab 4WD1,814
Platinum SuperCrew 2WD1,862
Limited Super Cab 2WD1,912
2021 Ford F150 Average Rate$1,614

2021 Chevrolet Silverado

$1,780

Insurance Rates by Trim Level for 2021 Ford F150
2021 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,574
WT Double Cab 4WD1,622
Custom Double Cab 4WD1,670
Trail Boss Custom Double Cab 4WD1,670
WT Crew Cab 4WD1,670
Custom Crew Cab 4WD1,720
LT Crew Cab 4WD1,720
LT Double Cab 4WD1,720
RST Crew Cab 4WD1,720
RST Double Cab 4WD1,720
Trail Boss Custom Crew Cab 4WD1,720
WT Regular Cab 2WD1,724
LTZ Crew Cab 4WD1,770
LTZ Double Cab 4WD1,770
Trail Boss LT Crew Cab 4WD1,770
Trail Boss LT Double Cab 4WD1,770
WT Double Cab 2WD1,772
Custom Double Cab 2WD1,822
WT Crew Cab 2WD1,822
High Country Crew Cab 4WD1,866
Custom Crew Cab 2WD1,870
LT Crew Cab 2WD1,870
LT Double Cab 2WD1,870
RST Double Cab 2WD1,870
LTZ Double Cab 2WD1,918
RST Crew Cab 2WD1,918
LTZ Crew Cab 2WD1,968
High Country Crew Cab 2WD2,018
2021 Chevrolet Silverado Average Rate$1,780

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 $168 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 $1,456 to $3,190 per year. A 2020 Chevrolet Silverado costs from $1,608 to $3,536 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 February 17, 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$3,190$1,672$1,592$1,456
Chevrolet Silverado$3,536$1,844$1,760$1,608

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 $1,420 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 $1,552 per year, or around $129 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 $1,420 per year. The overall most expensive vehicle to insure is the Chevrolet Silverado High Country Crew Cab 2WD at an average cost of $1,994 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

$1,592

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,420
XL Regular Cab 8 Ft Bed 4WD1,420
XL Regular Cab 2WD1,454
XL Regular Cab 6.5 2WD1,454
XL Super Cab 6.5 4WD1,466
XL Super Cab 8 Ft Bed 4WD1,466
XL SuperCrew 4WD1,466
XLT Regular Cab 6.5 4WD1,466
XLT Regular Cab 8 Ft Bed 4WD1,466
XL Super Cab 6.5 2WD1,502
XL SuperCrew 6.5 4WD1,514
XLT Super Cab 6.5 4WD1,514
XLT Super Cab 8 Ft Bed 4WD1,514
XLT SuperCrew 4WD1,514
XLT SuperCrew 6.51,528
Lariat Super Cab 4WD1,562
Lariat Super Cab 6.5 4WD1,562
Lariat Super Cab 8 Ft Bed 4WD1,562
XLT SuperCrew 6.5 4WD1,562
Lariat Super Cab 6.51,576
XL Super Cab 8 Ft Bed 2WD1,598
XL SuperCrew 2WD1,598
XLT Regular Cab 2WD1,598
XLT Regular Cab 6.5 2WD1,598
Raptor Super Cab 4WD1,610
King Ranch Crew Cab 6.51,624
XL SuperCrew 6.51,646
XLT Super Cab 6.5 2WD1,646
XLT Super Cab 8 Ft Bed 2WD1,646
XLT SuperCrew 2WD1,646
King Ranch Crew Cab 4WD1,658
King Ranch Crew Cab 6.5 4WD1,658
Platinum SuperCrew 4WD1,658
Platinum SuperCrew 6.5 4WD1,658
Raptor Crew Cab 4WD1,658
Platinum SuperCrew 6.51,672
Lariat Super Cab 2WD1,692
Lariat Super Cab 6.5 2WD1,692
Lariat Super Cab 8 Ft Bed 2WD1,692
Limited Super Cab 4WD1,786
King Ranch Crew Cab 2WD1,788
Platinum SuperCrew 2WD1,838
Limited Super Cab 2WD1,886
2020 Ford F150 Average Rate$1,592

2020 Chevrolet Silverado

$1,760

Insurance Rates by Trim Level for 2020 Ford F150
2020 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,552
WT Double Cab 4WD1,600
Custom Double Cab 4WD1,648
Trail Boss Custom Double Cab 4WD1,648
WT Crew Cab 4WD1,648
Custom Crew Cab 4WD1,696
LT Crew Cab 4WD1,696
LT Double Cab 4WD1,696
RST Crew Cab 4WD1,696
RST Double Cab 4WD1,696
Trail Boss Custom Crew Cab 4WD1,696
WT Regular Cab 2WD1,706
LTZ Crew Cab 4WD1,744
LTZ Double Cab 4WD1,744
Trail Boss LT Crew Cab 4WD1,744
Trail Boss LT Double Cab 4WD1,744
WT Double Cab 2WD1,752
Custom Double Cab 2WD1,800
WT Crew Cab 2WD1,800
High Country Crew Cab 4WD1,840
Custom Crew Cab 2WD1,848
LT Crew Cab 2WD1,848
LT Double Cab 2WD1,848
RST Double Cab 2WD1,848
LTZ Double Cab 2WD1,896
RST Crew Cab 2WD1,896
LTZ Crew Cab 2WD1,944
High Country Crew Cab 2WD1,994
2020 Chevrolet Silverado Average Rate$1,760

2019 Ford F150 vs Chevrolet Silverado

When comparing insurance cost for 2019 models, the Ford F150 costs an average of $1,508 per year to insure and the Chevrolet Silverado costs $1,686, making the Ford F150 the winner by $178 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 $1,376 to $3,018 per year for a 2019 Ford F150, and $1,538 to $3,386 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 February 17, 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$3,018$1,582$1,508$1,376
Chevrolet Silverado$3,386$1,768$1,686$1,538

Out of 24 trims for the 2019 Ford F150, the cheapest rates are on the XL Regular Cab 4WD model at a cost of $1,292 per year, or around $108 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 $1,576 per year, or around $131 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 $1,292 per year. The most expensive trim is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,846 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

$1,508

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ford F150 TrimsRate
XL Regular Cab 4WD$1,292
XL Super Cab 4WD1,352
XL Regular Cab 2WD1,360
XL Crew Cab 4WD1,398
XLT Regular Cab 4WD1,398
XL Super Cab 2WD1,406
XLT Crew Cab 4WD1,446
XLT Super Cab 4WD1,446
XL Crew Cab 2WD1,466
XLT Regular Cab 2WD1,466
Lariat Crew Cab 4WD1,490
Lariat Super Cab 4WD1,490
XLT Crew Cab 2WD1,510
XLT Super Cab 2WD1,510
Raptor Super Cab 4WD1,536
Lariat Crew Cab 2WD1,558
Lariat Super Cab 2WD1,558
King Ranch Crew Cab 4WD1,582
Platinum Crew Cab 4WD1,582
Raptor Crew Cab 4WD1,582
King Ranch Crew Cab 2WD1,650
Platinum Crew Cab 2WD1,650
Limited Crew Cab 4WD1,706
Limited Crew Cab 2WD1,772
2019 Ford F150 Average Rate$1,508

2019 Chevrolet Silverado

$1,686

Insurance Rates by Trim Level for 2019 Ford F150
2019 Chevrolet Silverado TrimsRate
Double Cab 4WD$1,576
WT Double Cab 4WD1,576
Double Cab 2WD1,618
WT Double Cab 2WD1,618
Custom Double Cab 4WD1,622
Trail Boss Custom Double Cab 4WD1,622
WT Crew Cab 4WD1,622
Custom Double Cab 2WD1,662
WT Crew Cab 2WD1,662
Custom Crew Cab 4WD1,668
LT Crew Cab 4WD1,668
LT Double Cab 4WD1,668
RST Crew Cab 4WD1,668
RST Double Cab 4WD1,668
Trail Boss Custom Crew Cab 4WD1,668
Custom Crew Cab 2WD1,708
LT Crew Cab 2WD1,708
LT Double Cab 2WD1,708
RST Double Cab 2WD1,708
LTZ Crew Cab 4WD1,714
LTZ Double Cab 4WD1,714
Trail Boss LT Crew Cab 4WD1,714
Trail Boss LT Double Cab 4WD1,714
LTZ Double Cab 2WD1,754
RST Crew Cab 2WD1,754
LTZ Crew Cab 2WD1,800
High Country Crew Cab 4WD1,804
High Country Crew Cab 2WD1,846
2019 Chevrolet Silverado Average Rate$1,686

2018 Ford F150 vs Chevrolet Silverado

When comparing car insurance rates for 2018 models, the Ford F150 costs an average of $1,450 per year to insure and the Chevrolet Silverado costs $1,630, making the Ford F150 the winner by $180 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 $1,326 to $2,906 per year for a 2018 Ford F150, and $1,490 to $3,280 for a 2018 Chevrolet Silverado for the illustrated age groups.

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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 February 17, 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$2,906$1,520$1,450$1,326
Chevrolet Silverado$3,280$1,704$1,630$1,490

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 $1,262 per year, or about $105 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 $1,492.

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 $1,262 per year. The most expensive model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,798 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

$1,450

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ford F150 TrimsRate
XL Regular Cab 4WD$1,262
XL Regular Cab 2WD1,284
XL Super Cab 4WD1,318
XL Crew Cab 4WD1,364
XLT Regular Cab 4WD1,364
XLT Super Cab 4WD1,364
XL Super Cab 2WD1,374
XLT Regular Cab 2WD1,374
Lariat Super Cab 4WD1,406
XLT Crew Cab 4WD1,406
XL Crew Cab 2WD1,430
XLT Super Cab 2WD1,430
Lariat Crew Cab 4WD1,450
Raptor Super Cab 4WD1,450
XLT Crew Cab 2WD1,474
Raptor Crew Cab 4WD1,496
Lariat Crew Cab 2WD1,518
Lariat Super Cab 2WD1,518
King Ranch Crew Cab 4WD1,538
Platinum Crew Cab 4WD1,538
Limited Crew Cab 4WD1,584
King Ranch Crew Cab 2WD1,608
Platinum Crew Cab 2WD1,608
Limited Crew Cab 2WD1,682
2018 Ford F150 Average Rate$1,450

2018 Chevrolet Silverado

$1,630

Insurance Rates by Trim Level for 2018 Ford F150
2018 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,492
LS Regular Cab 4WD1,536
WT Regular Cab 2WD1,536
LS Regular Cab 2WD1,578
WT Double Cab 2WD1,578
Custom Double Cab 4WD1,582
LS Double Cab 4WD1,582
LT Regular Cab 4WD1,582
WT Crew Cab 4WD1,582
WT Double Cab 4WD1,582
Custom Double Cab 2WD1,622
LS Double Cab 2WD1,622
LT Regular Cab 2WD1,622
Custom Crew Cab 4WD1,624
Hybrid Crew Cab 4WD1,624
LS Crew Cab 4WD1,624
LT Crew Cab 4WD1,624
LT Double Cab 4WD1,624
Z71 Crew Cab 4WD1,624
Z71 Double Cab 4WD1,624
Custom Crew Cab 2WD1,668
Hybrid Crew Cab 2WD1,668
LS Crew Cab 2WD1,668
LT Crew Cab 2WD1,668
WT Crew Cab 2WD1,668
LTZ Crew Cab 4WD1,670
LTZ Double Cab 4WD1,670
LT Double Cab 2WD1,682
LTZ Crew Cab 2WD1,710
LTZ Double Cab 2WD1,710
High Country Crew Cab 4WD1,758
High Country Crew Cab 2WD1,798
2018 Chevrolet Silverado Average Rate$1,630

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 $168 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 $1,274 to $2,784 per year for a 2017 Ford F150, and $1,424 to $3,126 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 February 17, 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$2,784$1,456$1,392$1,274
Chevrolet Silverado$3,126$1,626$1,560$1,424

Out of 24 Ford F150 trims, the cheapest 2017 trim to insure is the XL Regular Cab 4WD trim at an average cost of $1,218 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 $1,438.

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 $1,218 per year. The overall most expensive vehicle to insure is the Chevrolet Silverado High Country Crew Cab 2WD at an average cost of $1,732 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

$1,392

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ford F150 TrimsRate
XL Regular Cab 4WD$1,218
XL Regular Cab 2WD1,246
XL Super Cab 4WD1,270
XLT Regular Cab 4WD1,270
XL Crew Cab 4WD1,312
XLT Super Cab 4WD1,312
XL Super Cab 2WD1,328
XLT Regular Cab 2WD1,328
Lariat Super Cab 4WD1,352
XLT Crew Cab 4WD1,352
XL Crew Cab 2WD1,380
XLT Super Cab 2WD1,380
Lariat Crew Cab 4WD1,396
SVT Super Cab Raptor 4WD1,396
XLT Crew Cab 2WD1,424
Lariat King Ranch 4WD1,436
SVT Crew Cab Raptor 4WD1,436
Lariat Crew Cab 2WD1,464
Lariat Super Cab 2WD1,464
Lariat Crew Cab Platinum Edition 4WD1,478
Limited Crew Cab 4WD1,518
Lariat Crew Cab Platinum Edition 2WD1,546
Lariat King Ranch 2WD1,546
Limited Crew Cab 2WD1,588
2017 Ford F150 Average Rate$1,392

2017 Chevrolet Silverado

$1,560

Insurance Rates by Trim Level for 2017 Ford F150
2017 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,438
WT Regular Cab 4WD1,438
WT Regular Cab 2WD1,454
WT Double Cab 4WD1,482
LS Regular Cab 2WD1,484
Custom Crew Cab 4WD1,522
Custom Double Cab 4WD1,522
LS Double Cab 4WD1,522
LT Double Cab 4WD1,522
LT Regular Cab 4WD1,522
WT Crew Cab 4WD1,522
WT Double Cab 2WD1,524
LS Crew Cab 4WD1,564
LT Crew Cab 4WD1,564
LTZ Double Cab 4WD1,564
Z71 Crew Cab 4WD1,564
Z71 Double Cab 4WD1,564
Custom Double Cab 2WD1,568
LS Double Cab 2WD1,568
LT Regular Cab 2WD1,568
WT Crew Cab 2WD1,568
LTZ Crew Cab 4WD1,604
Custom Crew Cab 2WD1,608
LS Crew Cab 2WD1,608
LT Crew Cab 2WD1,608
LT Double Cab 2WD1,608
High Country Crew Cab 4WD1,646
LTZ Crew Cab 2WD1,650
LTZ Double Cab 2WD1,650
High Country Crew Cab 2WD1,732
2017 Chevrolet Silverado Average Rate$1,560

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 $184 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 $1,248 to $2,736 per year for the included driver ages. A 2016 Chevrolet Silverado costs from $1,412 to $3,100 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 February 17, 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$2,736$1,422$1,362$1,248
Chevrolet Silverado$3,100$1,610$1,546$1,412

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 $1,208 per year, or around $101 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 $1,424 per year, or $119 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 $1,208 per year, and the highest-cost model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD at a cost of $1,692 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

$1,362

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ford F150 TrimsRate
XL Regular Cab 4WD$1,208
XL Regular Cab 2WD1,228
XL Super Cab 4WD1,260
XLT Regular Cab 4WD1,260
XL Crew Cab 4WD1,300
XLT Super Cab 4WD1,300
XL Crew Cab 2WD1,306
XL Super Cab 2WD1,306
XLT Regular Cab 2WD1,306
Lariat Super Cab 4WD1,338
XLT Crew Cab 4WD1,338
XLT Super Cab 2WD1,358
Lariat Crew Cab 4WD1,378
Lariat Super Cab 2WD1,398
XLT Crew Cab 2WD1,398
Lariat King Ranch 4WD1,416
Lariat Crew Cab 2WD1,436
Lariat Crew Cab Platinum Edition 4WD1,454
Lariat King Ranch 2WD1,476
Limited Crew Cab 4WD1,494
Lariat Crew Cab Platinum Edition 2WD1,512
Limited Crew Cab 2WD1,552
2016 Ford F150 Average Rate$1,362

2016 Chevrolet Silverado

$1,546

Insurance Rates by Trim Level for 2016 Ford F150
2016 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,424
WT Regular Cab 4WD1,424
WT Regular Cab 2WD1,458
WT Double Cab 4WD1,464
LS Regular Cab 2WD1,498
Custom Double Cab 4WD1,502
LS Double Cab 4WD1,502
LT Double Cab 4WD1,502
LT Regular Cab 4WD1,502
WT Crew Cab 4WD1,502
Custom Double Cab 2WD1,536
LS Double Cab 2WD1,536
LT Regular Cab 2WD1,536
WT Double Cab 2WD1,536
Custom Crew Cab 4WD1,540
LS Crew Cab 4WD1,540
LT Crew Cab 4WD1,540
LTZ Double Cab 4WD1,540
Z71 Crew Cab 4WD1,540
Z71 Double Cab 4WD1,540
LT Double Cab 2WD1,574
LTZ Crew Cab 4WD1,580
WT Crew Cab 2WD1,594
Custom Crew Cab 2WD1,612
LS Crew Cab 2WD1,612
LT Crew Cab 2WD1,612
High Country Crew Cab 4WD1,618
LTZ Crew Cab 2WD1,652
LTZ Double Cab 2WD1,652
High Country Crew Cab 2WD1,692
2016 Chevrolet Silverado Average Rate$1,546

2015 Ford F150 vs Chevrolet Silverado

When comparing average insurance rates for 2015 models, a Ford F150 costs an average of $1,376 per year to insure and a Chevrolet Silverado costs $1,440, making the Ford F150 cheaper to insure by $64 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 $1,256 to $2,754 per year for a 2015 Ford F150, and $1,316 to $2,872 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 February 17, 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$2,754$1,428$1,376$1,256
Chevrolet Silverado$2,872$1,490$1,440$1,316

Out of 20 Ford F150 trims, the cheapest 2015 trim to insure is the XL Regular Cab 2WD model at an average cost of $1,214 per year, or $101 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 $1,272.

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 $1,214 per year, and the most expensive model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,626 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

$1,376

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ford F150 TrimsRate
XL Regular Cab 2WD$1,214
XL Super Cab 2WD1,276
XL Regular Cab 4WD1,300
XL Super Cab 4WD1,300
XL Crew Cab 2WD1,312
XLT Regular Cab 2WD1,312
XL Crew Cab 4WD1,346
XLT Regular Cab 4WD1,346
XLT Crew Cab 2WD1,358
XLT Super Cab 2WD1,358
XLT Crew Cab 4WD1,382
XLT Super Cab 4WD1,382
Lariat Super Cab 2WD1,394
Lariat Crew Cab 4WD1,418
Lariat Super Cab 4WD1,418
Lariat Crew Cab 2WD1,428
Lariat King Ranch 2WD1,466
Lariat Crew Cab Platinum Edition 4WD1,490
Lariat King Ranch 4WD1,490
Lariat Crew Cab Platinum Edition 2WD1,502
2015 Ford F150 Average Rate$1,376

2015 Chevrolet Silverado

$1,440

Insurance Rates by Trim Level for 2015 Ford F150
2015 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,272
WT Regular Cab 4WD1,272
LS Double Cab 4WD1,322
LT Regular Cab 4WD1,322
WT Double Cab 4WD1,322
LS Crew Cab 4WD1,356
LT Double Cab 4WD1,356
LTZ Double Cab 4WD1,356
WT Crew Cab 4WD1,356
LT Crew Cab 4WD1,392
WT Regular Cab 2WD1,412
LTZ Crew Cab 4WD1,428
LS Regular Cab 2WD1,446
High Country Crew Cab 4WD1,462
LS Double Cab 2WD1,484
LT Regular Cab 2WD1,484
WT Double Cab 2WD1,484
LT Double Cab 2WD1,520
WT Crew Cab 2WD1,520
LS Crew Cab 2WD1,554
LT Crew Cab 2WD1,554
LTZ Double Cab 2WD1,554
Z71 Crew Cab 2WD1,554
LTZ Crew Cab 2WD1,590
High Country Crew Cab 2WD1,626
2015 Chevrolet Silverado Average Rate$1,440

Additional Ford F150 and Chevrolet Silverado Resources