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 2022 model years to see which is more affordable.

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  • For the 2022 model year, a Ford F150 is cheaper to insure than a Chevrolet Silverado by an average of $160 per year.
  • Average car insurance cost per month for the Chevrolet Silverado is 10.2% more expensive than the Ford F150, at $123 versus $137, a difference of $14.
  • Out of seven models in the 2022 large truck segment, the Ford F150 ranks #1 and the Chevrolet Silverado ranks #4 for overall car insurance affordability.

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

Average insurance rates for a 2022 Ford F150 are $1,478 per year, whereas insurance for a 2022 Chevrolet Silverado averages $1,638 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 $1,272 per year for the XL Regular Cab 4WD model up to $1,678 for the Limited SuperCrew model.

For a 2022 Chevrolet Silverado, rates can range from $1,444 per year for the WT Regular Cab 4WD model up to $1,792 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 $1,272 per year, and the highest-cost model and trim is the Chevrolet Silverado High Country Crew Cab 4WD at an average of $1,792 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 $106 to $149 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
$1,272$106
$1,324$110
$1,344$112
$1,356$113
$1,362$114
$1,372$114
$1,372$114
$1,392$116
$1,420$118
$1,434$120
$1,434$120
$1,444$120
$1,448$121
$1,448$121
$1,458$122
$1,468$122
$1,478$123
$1,478$123
$1,492$124
$1,492$124
$1,502$125
$1,508$126
$1,508$126
$1,514$126
$1,516$126
$1,540$128
$1,550$129
$1,554$130
$1,562$130
$1,566$131
$1,568$131
$1,582$132
$1,582$132
$1,612$134
$1,616$135
$1,626$136
$1,630$136
$1,640$137
$1,644$137
$1,644$137
$1,648$137
$1,658$138
$1,666$139
$1,678$140
$1,702$142
$1,730$144
$1,734$145
$1,744$145
$1,772$148
$1,792$149

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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 October 20, 2022
2022 Ford F150 vs. 2022 Chevrolet Silverado Insurance Cost
2022 Ford F150 vs. 2022 Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,920$1,548$1,478$1,344
Chevrolet Silverado$3,286$1,722$1,638$1,494

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

  • In the chart above, average insurance cost ranges from $1,344 to $2,920 per year for the Ford F150 and $1,494 to $3,286 per year for the Chevrolet Silverado.
  • For a 20-year-old driver, the average cost is $366 less to insure a Ford F150 than a Chevrolet Silverado.
  • A 30-year-old driver pays an average of $174 less to insure a Ford F150 than a Chevrolet Silverado.
  • For a 40-year-old driver, average cost is $160 less per year to insure a Ford F150 than a Chevrolet Silverado.
  • A 50-year-old driver pays an average of $150 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 $5,298 per year and Chevrolet Silverado insurance costs an average of $6,012 per year, a difference of $714 per year.
  • A low deductible policy could cost up to $428 more per year for the Ford F150 and $480 for the Chevrolet Silverado.
  • A high deductible policy could save as much as $224 per year for the Ford F150 and $244 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 $1,478 and the 2022 Chevrolet Silverado is $1,638, making the Ford F150 cheaper by $160 per year.

2022 Ford F150

$1,478

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,272
XL Super Cab 4WD1,324
XLT Regular Cab 4WD1,344
Lightning Pro1,356
XL SuperCrew 4WD1,362
XL Regular Cab1,372
XLT Super Cab 4WD1,372
XLT SuperCrew 4WD1,392
Lariat Super Cab 4WD1,420
XL Super Cab1,434
Lariat SuperCrew 4WD1,434
Tremor SuperCrew 4WD1,448
Lightning XLT1,448
XLT Regular Cab1,458
Lightning XLT Premium1,468
XL SuperCrew1,478
King Ranch SuperCrew 4WD1,478
XLT Super Cab1,492
Platinum SuperCrew 4WD1,492
Raptor SuperCrew 4WD1,508
Lightning Lariat1,508
XLT SuperCrew1,516
Lightning Lariat Premium1,540
Lariat Super Cab1,550
Lightning Platinum1,562
Lariat SuperCrew1,568
Tremor SuperCrew1,582
King Ranch SuperCrew1,616
Platinum SuperCrew1,630
Raptor SuperCrew1,648
Limited SuperCrew1,678
2022 Ford F150 Average Rate$1,478

2022 Chevrolet Silverado

$1,638

Insurance Rates by Trim Level for 2022 Ford F150
2022 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,444
WT Double Cab 4WD1,502
WT Regular Cab 2WD1,514
WT Crew Cab 4WD1,554
Custom Double Cab 4WD1,566
WT Double Cab 2WD1,582
Custom Crew Cab 4WD1,612
LT Double Cab 4WD1,626
Trail Boss Custom Crew Cab 4WD1,640
RST Double Cab 4WD1,644
WT Crew Cab 2WD1,644
Custom Double Cab 2WD1,658
LT Crew Cab 4WD1,666
RST Crew Cab 4WD1,702
LT Double Cab 2WD1,730
Trail Boss LT Crew Cab 4WD1,734
LTZ Crew Cab 4WD1,744
LT Crew Cab 2WD1,772
High Country Crew Cab 4WD1,792
2022 Chevrolet Silverado Average Rate$1,638

2021 Ford F150 vs. Chevrolet Silverado

When comparing average insurance rates for 2021 models, a Ford F150 costs an average of $1,482 per year to insure and a Chevrolet Silverado costs $1,632, making the Ford F150 cheaper to insure by $150 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 $1,350 to $2,958 per year for the included driver ages. A 2021 Chevrolet Silverado costs from $1,492 to $3,268 to insure per year.

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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 October 20, 2022
2021 Ford F150 vs. 2021 Chevrolet Silverado Insurance Cost
2021 Ford F150 vs. 2021 Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,958$1,556$1,482$1,350
Chevrolet Silverado$3,268$1,712$1,632$1,492

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 $1,320 per year, or about $110 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 $1,438.

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 $1,320 per year, and the highest-cost model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD at a cost of $1,846 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

$1,482

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,320
XL Regular Cab 8 Ft Bed 4WD1,320
XL Regular Cab 2WD1,344
XL Regular Cab 6.5 2WD1,344
XL Super Cab 6.5 4WD1,364
XL Super Cab 8 Ft Bed 4WD1,364
XL SuperCrew 4WD1,364
XLT Regular Cab 6.5 4WD1,364
XLT Regular Cab 8 Ft Bed 4WD1,364
XL Super Cab 6.5 2WD1,390
XL SuperCrew 6.5 4WD1,410
XLT Super Cab 6.5 4WD1,410
XLT Super Cab 8 Ft Bed 4WD1,410
XLT SuperCrew 4WD1,410
XLT SuperCrew 6.51,422
Lariat Super Cab 4WD1,454
Lariat Super Cab 6.5 4WD1,454
Lariat Super Cab 8 Ft Bed 4WD1,454
XLT SuperCrew 6.5 4WD1,454
Lariat Super Cab 6.51,468
XL Super Cab 8 Ft Bed 2WD1,480
XL SuperCrew 2WD1,480
XLT Regular Cab 2WD1,480
XLT Regular Cab 6.5 2WD1,480
Raptor Super Cab 4WD1,500
King Ranch Crew Cab 6.51,514
XL SuperCrew 6.51,526
XLT Super Cab 6.5 2WD1,526
XLT Super Cab 8 Ft Bed 2WD1,526
XLT SuperCrew 2WD1,526
King Ranch Crew Cab 4WD1,546
King Ranch Crew Cab 6.5 4WD1,546
Platinum SuperCrew 4WD1,546
Platinum SuperCrew 6.5 4WD1,546
Raptor Crew Cab 4WD1,546
Platinum SuperCrew 6.51,560
Lariat Super Cab 2WD1,570
Lariat Super Cab 6.5 2WD1,570
Lariat Super Cab 8 Ft Bed 2WD1,570
King Ranch Crew Cab 2WD1,662
Limited Super Cab 4WD1,668
Platinum SuperCrew 2WD1,706
Limited Super Cab 2WD1,752
2021 Ford F150 Average Rate$1,482

2021 Chevrolet Silverado

$1,632

Insurance Rates by Trim Level for 2021 Ford F150
2021 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,438
WT Double Cab 4WD1,484
Custom Double Cab 4WD1,528
Trail Boss Custom Double Cab 4WD1,528
WT Crew Cab 4WD1,528
Custom Crew Cab 4WD1,574
LT Crew Cab 4WD1,574
LT Double Cab 4WD1,574
RST Crew Cab 4WD1,574
RST Double Cab 4WD1,574
Trail Boss Custom Crew Cab 4WD1,574
WT Regular Cab 2WD1,578
LTZ Crew Cab 4WD1,620
LTZ Double Cab 4WD1,620
Trail Boss LT Crew Cab 4WD1,620
Trail Boss LT Double Cab 4WD1,620
WT Double Cab 2WD1,620
Custom Double Cab 2WD1,666
WT Crew Cab 2WD1,666
High Country Crew Cab 4WD1,710
Custom Crew Cab 2WD1,712
LT Crew Cab 2WD1,712
LT Double Cab 2WD1,712
RST Double Cab 2WD1,712
LTZ Double Cab 2WD1,758
RST Crew Cab 2WD1,758
LTZ Crew Cab 2WD1,804
High Country Crew Cab 2WD1,846
2021 Chevrolet Silverado Average Rate$1,632

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 $152 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 $1,326 to $2,906 per year. A 2020 Chevrolet Silverado costs from $1,466 to $3,214 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 October 20, 2022
2020 Ford F150 vs. 2020 Chevrolet Silverado Insurance Cost
2020 Ford F150 vs. 2020 Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,906$1,524$1,454$1,326
Chevrolet Silverado$3,214$1,680$1,606$1,466

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 $1,294 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 $1,414 per year, or around $118 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 $1,294 per year. The overall most expensive vehicle to insure is the Chevrolet Silverado High Country Crew Cab 2WD at an average cost of $1,816 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 cheapest auto insurance rates for 2020 is the Ford F150.

2020 Ford F150

$1,454

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,294
XL Regular Cab 8 Ft Bed 4WD1,294
XL Regular Cab 2WD1,326
XL Regular Cab 6.5 2WD1,326
XL Super Cab 6.5 4WD1,340
XL Super Cab 8 Ft Bed 4WD1,340
XL SuperCrew 4WD1,340
XLT Regular Cab 6.5 4WD1,340
XLT Regular Cab 8 Ft Bed 4WD1,340
XL Super Cab 6.5 2WD1,370
XL SuperCrew 6.5 4WD1,382
XLT Super Cab 6.5 4WD1,382
XLT Super Cab 8 Ft Bed 4WD1,382
XLT SuperCrew 4WD1,382
XLT SuperCrew 6.51,396
Lariat Super Cab 4WD1,428
Lariat Super Cab 6.5 4WD1,428
Lariat Super Cab 8 Ft Bed 4WD1,428
XLT SuperCrew 6.5 4WD1,428
Lariat Super Cab 6.51,440
XL Super Cab 8 Ft Bed 2WD1,458
XL SuperCrew 2WD1,458
XLT Regular Cab 2WD1,458
XLT Regular Cab 6.5 2WD1,458
Raptor Super Cab 4WD1,470
King Ranch Crew Cab 6.51,484
XL SuperCrew 6.51,500
XLT Super Cab 6.5 2WD1,500
XLT Super Cab 8 Ft Bed 2WD1,500
XLT SuperCrew 2WD1,500
King Ranch Crew Cab 4WD1,516
King Ranch Crew Cab 6.5 4WD1,516
Platinum SuperCrew 4WD1,516
Platinum SuperCrew 6.5 4WD1,516
Raptor Crew Cab 4WD1,516
Platinum SuperCrew 6.51,528
Lariat Super Cab 2WD1,546
Lariat Super Cab 6.5 2WD1,546
Lariat Super Cab 8 Ft Bed 2WD1,546
King Ranch Crew Cab 2WD1,634
Limited Super Cab 4WD1,634
Platinum SuperCrew 2WD1,676
Limited Super Cab 2WD1,722
2020 Ford F150 Average Rate$1,454

2020 Chevrolet Silverado

$1,606

Insurance Rates by Trim Level for 2020 Ford F150
2020 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,414
WT Double Cab 4WD1,456
Custom Double Cab 4WD1,502
Trail Boss Custom Double Cab 4WD1,502
WT Crew Cab 4WD1,502
Custom Crew Cab 4WD1,544
LT Crew Cab 4WD1,544
LT Double Cab 4WD1,544
RST Crew Cab 4WD1,544
RST Double Cab 4WD1,544
Trail Boss Custom Crew Cab 4WD1,544
WT Regular Cab 2WD1,552
LTZ Crew Cab 4WD1,590
LTZ Double Cab 4WD1,590
Trail Boss LT Crew Cab 4WD1,590
Trail Boss LT Double Cab 4WD1,590
WT Double Cab 2WD1,598
Custom Double Cab 2WD1,640
WT Crew Cab 2WD1,640
High Country Crew Cab 4WD1,676
Custom Crew Cab 2WD1,686
LT Crew Cab 2WD1,686
LT Double Cab 2WD1,686
RST Double Cab 2WD1,686
LTZ Double Cab 2WD1,728
RST Crew Cab 2WD1,728
LTZ Crew Cab 2WD1,774
High Country Crew Cab 2WD1,816
2020 Chevrolet Silverado Average Rate$1,606

2019 Ford F150 vs Chevrolet Silverado

When comparing insurance cost for 2019 models, the Ford F150 costs an average of $1,390 per year to insure and the Chevrolet Silverado costs $1,554, making the Ford F150 the winner by $164 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 $1,270 to $2,782 per year for a 2019 Ford F150, and $1,420 to $3,120 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 October 20, 2022
2019 Ford F150 vs. 2019 Chevrolet Silverado Insurance Cost
2019 Ford F150 vs. 2019 Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,782$1,460$1,390$1,270
Chevrolet Silverado$3,120$1,630$1,554$1,420

Out of 24 trims for the 2019 Ford F150, the cheapest rates are on the XL Regular Cab 4WD model at a cost of $1,192 per year, or around $99 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 $1,450 per year, or around $121 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 $1,192 per year. The most expensive trim is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,704 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

$1,390

Insurance Rates by Trim Level for 2019 Ford F150
2019 Ford F150 TrimsRate
XL Regular Cab 4WD$1,192
XL Regular Cab 2WD1,248
XL Super Cab 4WD1,248
XL Super Cab 2WD1,290
XL Crew Cab 4WD1,292
XLT Regular Cab 4WD1,292
XLT Crew Cab 4WD1,334
XLT Super Cab 4WD1,334
XL Crew Cab 2WD1,348
XLT Regular Cab 2WD1,348
Lariat Crew Cab 4WD1,376
Lariat Super Cab 4WD1,376
XLT Crew Cab 2WD1,390
XLT Super Cab 2WD1,390
Raptor Super Cab 4WD1,420
Lariat Crew Cab 2WD1,434
Lariat Super Cab 2WD1,434
King Ranch Crew Cab 4WD1,462
Platinum Crew Cab 4WD1,462
Raptor Crew Cab 4WD1,462
King Ranch Crew Cab 2WD1,518
Platinum Crew Cab 2WD1,518
Limited Crew Cab 4WD1,580
Limited Crew Cab 2WD1,636
2019 Ford F150 Average Rate$1,390

2019 Chevrolet Silverado

$1,554

Insurance Rates by Trim Level for 2019 Ford F150
2019 Chevrolet Silverado TrimsRate
Double Cab 4WD$1,450
WT Double Cab 4WD1,450
Double Cab 2WD1,488
WT Double Cab 2WD1,488
Custom Double Cab 4WD1,494
Trail Boss Custom Double Cab 4WD1,494
WT Crew Cab 4WD1,494
Custom Double Cab 2WD1,530
WT Crew Cab 2WD1,530
Custom Crew Cab 4WD1,536
LT Crew Cab 4WD1,536
LT Double Cab 4WD1,536
RST Crew Cab 4WD1,536
RST Double Cab 4WD1,536
Trail Boss Custom Crew Cab 4WD1,536
Custom Crew Cab 2WD1,574
LT Crew Cab 2WD1,574
LT Double Cab 2WD1,574
RST Double Cab 2WD1,574
LTZ Crew Cab 4WD1,580
LTZ Double Cab 4WD1,580
Trail Boss LT Crew Cab 4WD1,580
Trail Boss LT Double Cab 4WD1,580
LTZ Double Cab 2WD1,616
RST Crew Cab 2WD1,616
LTZ Crew Cab 2WD1,660
High Country Crew Cab 4WD1,666
High Country Crew Cab 2WD1,704
2019 Chevrolet Silverado Average Rate$1,554

2018 Ford F150 vs Chevrolet Silverado

When comparing car insurance rates for 2018 models, the Ford F150 costs an average of $1,338 per year to insure and the Chevrolet Silverado costs $1,504, making the Ford F150 the winner by $166 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 $1,222 to $2,678 per year for a 2018 Ford F150, and $1,372 to $3,018 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 October 20, 2022
2018 Ford F150 vs. 2018 Chevrolet Silverado Insurance Cost
2018 Ford F150 vs. 2018 Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,678$1,404$1,338$1,222
Chevrolet Silverado$3,018$1,576$1,504$1,372

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 $1,164 per year, or about $97 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 $1,374.

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 $1,164 per year. The most expensive model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,660 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

$1,338

Insurance Rates by Trim Level for 2018 Ford F150
2018 Ford F150 TrimsRate
XL Regular Cab 4WD$1,164
XL Regular Cab 2WD1,180
XL Super Cab 4WD1,218
XL Crew Cab 4WD1,260
XLT Regular Cab 4WD1,260
XLT Super Cab 4WD1,260
XL Super Cab 2WD1,264
XLT Regular Cab 2WD1,264
Lariat Super Cab 4WD1,300
XLT Crew Cab 4WD1,300
XL Crew Cab 2WD1,316
XLT Super Cab 2WD1,316
Lariat Crew Cab 4WD1,342
Raptor Super Cab 4WD1,342
XLT Crew Cab 2WD1,358
Raptor Crew Cab 4WD1,382
Lariat Crew Cab 2WD1,398
Lariat Super Cab 2WD1,398
King Ranch Crew Cab 4WD1,424
Platinum Crew Cab 4WD1,424
Limited Crew Cab 4WD1,466
King Ranch Crew Cab 2WD1,480
Platinum Crew Cab 2WD1,480
Limited Crew Cab 2WD1,552
2018 Ford F150 Average Rate$1,338

2018 Chevrolet Silverado

$1,504

Insurance Rates by Trim Level for 2018 Ford F150
2018 Chevrolet Silverado TrimsRate
WT Regular Cab 4WD$1,374
WT Regular Cab 2WD1,414
LS Regular Cab 4WD1,416
LS Regular Cab 2WD1,454
WT Double Cab 2WD1,454
Custom Double Cab 4WD1,456
LS Double Cab 4WD1,456
LT Regular Cab 4WD1,456
WT Crew Cab 4WD1,456
WT Double Cab 4WD1,456
Custom Double Cab 2WD1,496
LS Double Cab 2WD1,496
LT Regular Cab 2WD1,496
Custom Crew Cab 4WD1,498
Hybrid Crew Cab 4WD1,498
LS Crew Cab 4WD1,498
LT Crew Cab 4WD1,498
LT Double Cab 4WD1,498
Z71 Crew Cab 4WD1,498
Z71 Double Cab 4WD1,498
Custom Crew Cab 2WD1,536
Hybrid Crew Cab 2WD1,536
LS Crew Cab 2WD1,536
LT Crew Cab 2WD1,536
WT Crew Cab 2WD1,536
LTZ Crew Cab 4WD1,540
LTZ Double Cab 4WD1,540
LT Double Cab 2WD1,550
LTZ Crew Cab 2WD1,578
LTZ Double Cab 2WD1,578
High Country Crew Cab 4WD1,624
High Country Crew Cab 2WD1,660
2018 Chevrolet Silverado Average Rate$1,504

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 $156 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 $1,190 to $2,606 per year for a 2017 Ford F150, and $1,330 to $2,924 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 October 20, 2022
2017 Ford F150 vs. 2017 Chevrolet Silverado Insurance Cost
2017 Ford F150 vs. 2017 Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,606$1,360$1,298$1,190
Chevrolet Silverado$2,924$1,520$1,454$1,330

Out of 24 Ford F150 trims, the cheapest 2017 trim to insure is the XL Regular Cab 4WD trim at an average cost of $1,136 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 $1,340.

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 $1,136 per year. The overall most expensive vehicle to insure is the Chevrolet Silverado High Country Crew Cab 2WD at an average cost of $1,620 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 cheapest overall car insurance cost for 2017 is the Ford F150.

2017 Ford F150

$1,298

Insurance Rates by Trim Level for 2017 Ford F150
2017 Ford F150 TrimsRate
XL Regular Cab 4WD$1,136
XL Regular Cab 2WD1,154
XL Super Cab 4WD1,188
XLT Regular Cab 4WD1,188
XL Crew Cab 4WD1,226
XLT Super Cab 4WD1,226
XL Super Cab 2WD1,234
XLT Regular Cab 2WD1,234
Lariat Super Cab 4WD1,266
XLT Crew Cab 4WD1,266
XL Crew Cab 2WD1,284
XLT Super Cab 2WD1,284
Lariat Crew Cab 4WD1,306
SVT Super Cab Raptor 4WD1,306
XLT Crew Cab 2WD1,324
Lariat King Ranch 4WD1,346
SVT Crew Cab Raptor 4WD1,346
Lariat Crew Cab 2WD1,364
Lariat Super Cab 2WD1,364
Lariat Crew Cab Platinum Edition 4WD1,386
Limited Crew Cab 4WD1,426
Lariat Crew Cab Platinum Edition 2WD1,442
Lariat King Ranch 2WD1,442
Limited Crew Cab 2WD1,482
2017 Ford F150 Average Rate$1,298

2017 Chevrolet Silverado

$1,454

Insurance Rates by Trim Level for 2017 Ford F150
2017 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,340
WT Regular Cab 4WD1,340
WT Regular Cab 2WD1,352
LS Regular Cab 2WD1,380
WT Double Cab 4WD1,380
Custom Crew Cab 4WD1,420
Custom Double Cab 4WD1,420
LS Double Cab 4WD1,420
LT Double Cab 4WD1,420
LT Regular Cab 4WD1,420
WT Crew Cab 4WD1,420
WT Double Cab 2WD1,420
Custom Double Cab 2WD1,460
LS Crew Cab 4WD1,460
LS Double Cab 2WD1,460
LT Crew Cab 4WD1,460
LT Regular Cab 2WD1,460
LTZ Double Cab 4WD1,460
WT Crew Cab 2WD1,460
Z71 Crew Cab 4WD1,460
Z71 Double Cab 4WD1,460
Custom Crew Cab 2WD1,500
LS Crew Cab 2WD1,500
LT Crew Cab 2WD1,500
LT Double Cab 2WD1,500
LTZ Crew Cab 4WD1,500
High Country Crew Cab 4WD1,540
LTZ Crew Cab 2WD1,540
LTZ Double Cab 2WD1,540
High Country Crew Cab 2WD1,620
2017 Chevrolet Silverado Average Rate$1,454

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 $166 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 $1,160 to $2,542 per year for the included driver ages. A 2016 Chevrolet Silverado costs from $1,310 to $2,876 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 October 20, 2022
2016 Ford F150 vs. 2016 Chevrolet Silverado Insurance Cost
2016 Ford F150 vs. 2016 Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,542$1,324$1,268$1,160
Chevrolet Silverado$2,876$1,496$1,434$1,310

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 $1,122 per year, or around $94 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 $1,318 per year, or $110 per month.

When rates for all 52 trim levels for both vehicles are compared, the cheapest vehicle to insure to insure is the Ford F150 XL Regular Cab 4WD at a cost of $1,122 per year, and the highest-cost model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD at a cost of $1,568 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

$1,268

Insurance Rates by Trim Level for 2016 Ford F150
2016 Ford F150 TrimsRate
XL Regular Cab 4WD$1,122
XL Regular Cab 2WD1,132
XL Super Cab 4WD1,170
XLT Regular Cab 4WD1,170
XL Crew Cab 2WD1,206
XL Super Cab 2WD1,206
XLT Regular Cab 2WD1,206
XL Crew Cab 4WD1,208
XLT Super Cab 4WD1,208
Lariat Super Cab 4WD1,244
XLT Crew Cab 4WD1,244
XLT Super Cab 2WD1,256
Lariat Crew Cab 4WD1,282
Lariat Super Cab 2WD1,292
XLT Crew Cab 2WD1,292
Lariat King Ranch 4WD1,318
Lariat Crew Cab 2WD1,330
Lariat Crew Cab Platinum Edition 4WD1,356
Lariat King Ranch 2WD1,366
Limited Crew Cab 4WD1,392
Lariat Crew Cab Platinum Edition 2WD1,404
Limited Crew Cab 2WD1,440
2016 Ford F150 Average Rate$1,268

2016 Chevrolet Silverado

$1,434

Insurance Rates by Trim Level for 2016 Ford F150
2016 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,318
WT Regular Cab 4WD1,318
WT Regular Cab 2WD1,346
WT Double Cab 4WD1,356
LS Regular Cab 2WD1,384
Custom Double Cab 4WD1,392
LS Double Cab 4WD1,392
LT Double Cab 4WD1,392
LT Regular Cab 4WD1,392
WT Crew Cab 4WD1,392
Custom Double Cab 2WD1,420
LS Double Cab 2WD1,420
LT Regular Cab 2WD1,420
WT Double Cab 2WD1,420
Custom Crew Cab 4WD1,430
LS Crew Cab 4WD1,430
LT Crew Cab 4WD1,430
LTZ Double Cab 4WD1,430
Z71 Crew Cab 4WD1,430
Z71 Double Cab 4WD1,430
LT Double Cab 2WD1,458
LTZ Crew Cab 4WD1,466
WT Crew Cab 2WD1,476
Custom Crew Cab 2WD1,494
LS Crew Cab 2WD1,494
LT Crew Cab 2WD1,494
High Country Crew Cab 4WD1,504
LTZ Crew Cab 2WD1,532
LTZ Double Cab 2WD1,532
High Country Crew Cab 2WD1,568
2016 Chevrolet Silverado Average Rate$1,434

2015 Ford F150 vs Chevrolet Silverado

When comparing average insurance rates for 2015 models, a Ford F150 costs an average of $1,298 per year to insure and a Chevrolet Silverado costs $1,354, making the Ford F150 cheaper to insure by $56 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 $1,186 to $2,610 per year for a 2015 Ford F150, and $1,238 to $2,706 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 October 20, 2022
2015 Ford F150 vs. 2015 Chevrolet Silverado Insurance Cost
2015 Ford F150 vs. 2015 Chevrolet Silverado Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Ford F150$2,610$1,354$1,298$1,186
Chevrolet Silverado$2,706$1,400$1,354$1,238

Out of 20 Ford F150 trims, the cheapest 2015 trim to insure is the XL Regular Cab 2WD model at an average cost of $1,142 per year, or $95 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 $1,198.

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 $1,142 per year, and the most expensive model and trim level is the Chevrolet Silverado High Country Crew Cab 2WD costing an average of $1,532 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

$1,298

Insurance Rates by Trim Level for 2015 Ford F150
2015 Ford F150 TrimsRate
XL Regular Cab 2WD$1,142
XL Super Cab 2WD1,200
XL Regular Cab 4WD1,224
XL Super Cab 4WD1,224
XL Crew Cab 2WD1,234
XLT Regular Cab 2WD1,234
XL Crew Cab 4WD1,272
XLT Regular Cab 4WD1,272
XLT Crew Cab 2WD1,282
XLT Super Cab 2WD1,282
XLT Crew Cab 4WD1,306
XLT Super Cab 4WD1,306
Lariat Super Cab 2WD1,316
Lariat Crew Cab 4WD1,340
Lariat Super Cab 4WD1,340
Lariat Crew Cab 2WD1,352
Lariat King Ranch 2WD1,386
Lariat Crew Cab Platinum Edition 4WD1,412
Lariat King Ranch 4WD1,412
Lariat Crew Cab Platinum Edition 2WD1,422
2015 Ford F150 Average Rate$1,298

2015 Chevrolet Silverado

$1,354

Insurance Rates by Trim Level for 2015 Ford F150
2015 Chevrolet Silverado TrimsRate
LS Regular Cab 4WD$1,198
WT Regular Cab 4WD1,198
LS Double Cab 4WD1,242
LT Regular Cab 4WD1,242
WT Double Cab 4WD1,242
LS Crew Cab 4WD1,278
LT Double Cab 4WD1,278
LTZ Double Cab 4WD1,278
WT Crew Cab 4WD1,278
LT Crew Cab 4WD1,314
WT Regular Cab 2WD1,322
LTZ Crew Cab 4WD1,348
LS Regular Cab 2WD1,358
High Country Crew Cab 4WD1,384
LS Double Cab 2WD1,392
LT Regular Cab 2WD1,392
WT Double Cab 2WD1,392
LT Double Cab 2WD1,426
WT Crew Cab 2WD1,426
LS Crew Cab 2WD1,464
LT Crew Cab 2WD1,464
LTZ Double Cab 2WD1,464
Z71 Crew Cab 2WD1,464
LTZ Crew Cab 2WD1,498
High Country Crew Cab 2WD1,532
2015 Chevrolet Silverado Average Rate$1,354

Additional Ford F150 and Chevrolet Silverado Resources