The Ultimate Guide to Chevy Silverado Insurance Rates and Cost Comparisons

How much will it cost to insure a Chevrolet Silverado?

From the WT Regular Cab 4WD model to the ZR2 Crew Cab 4WD trim level, we analyzed and compared insurance quotes for the Silverado, plus ranked companies with the best insurance for a Silverado.

Start a Free QuoteCompare Chevy Silverado insurance quotes and save on your next policy.

We all know that our Silverado is more than just a truck. It’s a trusted friend that’s always got our back. But when it comes to keeping our trusty companion safe, having the right insurance in place is crucial.

We’re here to make the complex world of insurance a little less daunting and a lot more friendly. Get ready to explore the ins and outs of insuring your Silverado, compare costs, and walk away with the knowledge to make smart decisions.

Whether you’re already part of the Silverado family or thinking about it, we’ve got your back with the insights you need to protect your investment and keep those good vibes rolling!

Comparing Silverado insurance rates by driver age

When it comes to insuring your Chevrolet Silverado, there’s no one-size-fits-all approach. Your age can significantly influence the cost of your insurance.

Chevy Silverado insurance for a safe 40-year-old driver costs an average of $1,984 a year, or about $165 per month for the 2023 model.

The table below shows how average insurance rates compare for the 2023, 2020, and 2017 model year Silverados. Rates are included for different driver ages along with the cheapest and most expensive models to insure for each model year.

Chevy Silverado Insurance Cost Overview
2023 Chevrolet Silverado2020 Chevrolet Silverado2017 Chevrolet Silverado
Average Insurance Cost Per Year $1,984$1,806$1,602
Insurance Cost Per Month $165$151$134
16-year-old Driver $7,324$6,720$6,016
18-year-old Driver $6,340$5,814$5,178
20-year-old Driver $3,966$3,628$3,210
25-year-old Driver $2,895$2,648$2,343
30-year-old Driver $2,076$1,892$1,668
40-year-old Driver $1,984$1,806$1,602
50-year-old Driver $1,810$1,650$1,462
60-year-old Driver $1,774$1,622$1,436
Cheapest Model to Insure WT Regular Cab 4WDWT Regular Cab 4WDLS Regular Cab 4WD
Cheapest Insurance Cost $1,774$1,594$1,480
Most Expensive Model to Insure ZR2 Crew Cab 4WDHigh Country Crew Cab 2WDHigh Country Crew Cab 2WD
Most Expensive Insurance Cost $2,196$2,048$1,780

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for the 2023 model year and assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Chevy Silverado Insurance Cost Overview

If you have or need full coverage insurance on your Silverado, then you’re going to have to choose a deductible for the comprehensive and collision coverages.

A deductible is the amount you agree to pay out of pocket in the event of a covered claim before your insurance policy kicks in to cover the remaining costs. When you opt for a higher deductible, you are essentially taking on more financial responsibility in the event of an accident or other covered incident.

Companies offer a variety of options for deductibles, but the usual range starts at around $100 and can go up to $1,500 or more.

If you opt for a higher deductible, say $1,000 or $1,500, you’ll have to pay more if you have a covered incident. However, in exchange for taking on a greater portion of the initial costs, your insurance provider will typically reward you with lower monthly or yearly premiums. This can result in significant savings over time.

The chart below illustrates how 2023 Chevy Silverado insurance can fluctuate with differences in both driver age and policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Chevrolet Silverado with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Chevrolet Silverado trim levels.Data last updated on August 11, 2023
Chevy Silverado Insurance Cost Summary
2023 Chevrolet Silverado Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,406$284
$500$3,966$331
$250$4,560$380
30$1,000$1,764$147
$500$2,076$173
$250$2,400$200
40$1,000$1,696$141
$500$1,984$165
$250$2,280$190
50$1,000$1,552$129
$500$1,810$151
$250$2,078$173
60$1,000$1,522$127
$500$1,774$148
$250$2,040$170

If you’re a younger driver, you will pay higher insurance prices than a more mature driver, if all other variables remain constant.

As shown in the first table, insurance rates for a teen driver on a Silverado are much higher than even the rates for the 20-year-old driver in the chart above.

The data also clearly illustrates how much the price of insurance can vary depending on the deductible you choose. For the average 40-year-old driver, the cost difference between a $250 and $1,000 deductible policy on a 2023 Silverado is $584 per year.

The cost difference between high and low-deductible policies is even more pronounced for a 20-year-old driver. For a 2023 Silverado, the difference in insurance cost is $1,154 per year.

Choosing your Silverado model: Insurance implications

Vehicle trim levels can impact car insurance rates due to factors such as the vehicle’s market value, repair and replacement costs, theft risk, safety features, repair parts, driving behavior, and available discounts.

The list below shows how each of these factors can impact the price you pay to insure your Silverado.

  1. Vehicle Value: One of the most significant factors influencing car insurance rates is the value of the vehicle. Higher trim levels often come with more features, advanced technology, and enhanced performance, which can significantly increase the overall value of the car. Insurers typically consider the vehicle’s market value when determining insurance premiums. Therefore, a higher trim level, with its higher market value, is likely to result in higher insurance rates.
  2. Repair and Replacement Costs: In the event of an accident or damage to the vehicle, insurance companies need to consider the cost of repairing or replacing it. Higher trim levels often have more expensive components, materials, and specialized features that can increase repair or replacement costs. As a result, insurers may charge higher premiums to cover these potential expenses.
  3. Theft Risk: Certain trim levels may be more appealing to thieves due to their added features or desirability. A higher trim level with advanced technology and premium features can make a vehicle a more attractive target for theft. Consequently, insurance companies may charge higher rates to cover the increased theft risk associated with these trim levels.
  4. Safety Features: Some trim levels may include advanced safety features, such as adaptive cruise control, lane-keeping assist, and automatic emergency braking. These features can reduce the likelihood of accidents and lower the severity of collisions when they do occur. Insurance companies often offer discounts for vehicles equipped with such safety features, which can partially offset the increased cost of insuring a higher trim level.
  5. Repair and Replacement Parts: Higher trim levels may have unique or specialized parts that are more expensive to repair or replace. Insurance providers may take these higher costs into account when determining insurance rates for these vehicles.
  6. Driving Behavior: The type of driver who chooses a higher trim level may have different driving habits or a more responsible driving history. If the driver’s behavior is considered safer, it can lead to lower insurance rates regardless of the vehicle trim level.
  7. Insurance Discounts: Conversely, some insurers may offer discounts for vehicles with higher trim levels, especially if these include advanced safety features or anti-theft devices. These discounts can help mitigate the increased insurance costs associated with certain trim levels.

With that said, let’s take a look at rates for each of the trims available for the 2023 Silverado.

The cheapest Chevrolet Silverado insurance rates can be found on the WT Regular Cab 4WD at an average of $1,774 per year, or about $148 per month. The second cheapest model is the WT Double Cab 4WD at $1,820 per year, and the third cheapest trim level to insure is the WT Regular Cab 2WD at $1,830 per year.

On the opposite end of the cost spectrum, the three highest cost Silverado trim levels to insure are the Chevrolet Silverado LT Crew Cab 2WD, the High Country Crew Cab 4WD, and the ZR2 Crew Cab 4WD trim levels at $2,132,  $2,148, and $2,196 per year, respectively.

2021 Chevy Silverado 1500 High Country
High Country chrome emblem on passenger side front fender of 2021 Chevy Silverado 1500

In general, as the invoice price goes up with additional add-ons and options, the price of insurance also goes up. The Silverado is no exception to this rule, as the high-cost trims generally have the most expensive insurance rates.

The next table shows average car insurance rates for a 2023 Silverado, including a monthly budget amount, for each available trim level.

2023 Chevrolet Silverado Insurance Cost by Trim Level
Chevrolet Silverado Trim Level Annual Policy Six-Month Policy Per Month
WT Regular Cab 4WD$1,774$887$148
WT Double Cab 4WD$1,820$910$152
WT Regular Cab 2WD$1,830$915$153
WT Crew Cab 4WD$1,868$934$156
RST Double Cab 4WD$1,872$936$156
Custom Double Cab 4WD$1,898$949$158
WT Double Cab 2WD$1,918$959$160
Custom Crew Cab 4WD$1,946$973$162
LT Double Cab 4WD$1,972$986$164
WT Crew Cab 2WD$1,978$989$165
Custom Trail Boss 4WD$1,982$991$165
Custom Double Cab 2WD$2,012$1,006$168
LT Crew Cab 4WD$2,020$1,010$168
RST Crew Cab 4WD$2,044$1,022$170
LT Trail Boss Crew Cab 4WD$2,068$1,034$172
LT Double Cab 2WD$2,094$1,047$175
LTZ Crew Cab 4WD$2,098$1,049$175
LT Crew Cab 2WD$2,132$1,066$178
High Country Crew Cab 4WD$2,148$1,074$179
ZR2 Crew Cab 4WD$2,196$1,098$183

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Chevrolet Silverado, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Chevrolet Silverado Insurance Cost by Trim Level

With a potential difference of over $400 per year just based the trim level of Silverado you’re insuring, it’s essential for Silverado owners to consider these rates and factors when choosing a trim level.  Also, it’s important to obtain insurance quotes based on the specific vehicle trim level to make an informed decision about insurance coverage.

Save on Silverado insurance: New vs. used insurance rates

Insuring a 2013 Silverado instead of a new 2023 model could reduce insurance cost by $680 or more each year. A 2016 Silverado would save around $390, and a 2019 model could save $250 per year.

As a vehicle gets older, it depreciates and its actual cash value (or replacement cost) decreases. Newer vehicles often have higher repair costs due to more technology and more complex repair requirements.

On the other hand, newer vehicles may have more advanced safety features, which can lead to lower rates.

In general, expect the cost of insurance to be lower on pre-owned Silverado models than new models.

The next table shows the average Chevrolet Silverado insurance rates from a new 2023 model back to a 2013 model.

Chevrolet Silverado Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Chevrolet Silverado$3,966$1,984$1,774
2022 Chevrolet Silverado$3,666$1,828$1,642
2021 Chevrolet Silverado$3,668$1,828$1,642
2020 Chevrolet Silverado$3,628$1,806$1,622
2019 Chevrolet Silverado$3,474$1,732$1,550
2018 Chevrolet Silverado$3,364$1,676$1,504
2017 Chevrolet Silverado$3,210$1,602$1,436
2016 Chevrolet Silverado$3,184$1,590$1,426
2015 Chevrolet Silverado$2,948$1,480$1,326
2014 Chevrolet Silverado$2,790$1,396$1,252
2013 Chevrolet Silverado$2,584$1,304$1,172

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Chevrolet Silverado Insurance Cost by Model Year

Insurance for pre-owned models is generally cheaper because of factors like depreciation, lower repair costs, and the vehicle’s age. However, insurance premiums are highly individual and depend on various factors, including the specific make and model of the vehicle (see the trim-level rate analysis above), your location, driving history, and coverage choices.

It’s crucial to compare insurance quotes and consider your unique circumstances when making decisions about car insurance for both new and pre-owned vehicles.

Full coverage vs. liability-only for older Silverado models

Older model Chevy Silverado in mountains

The point at which you insure your Silverado for liability insurance only is purely a personal decision. There is a general guideline that when the cost of comprehensive and collision insurance costs more than 10% of the vehicle value, it’s time to start thinking about removing it.

Here are some situations where it may make sense to begin considering removing full coverage from your Silverado.

  1. It’s getting old: If your vehicle is older and its market value has significantly depreciated, it may no longer be cost-effective to maintain full coverage. The cost of the coverage may exceed the potential payout in the event of a claim.
  2. You have adequate savings: If you have the financial means to repair or replace your vehicle out of pocket in case of an accident, it might make sense to reduce your coverage. However, ensure you have the necessary funds readily available.
  3. You paid off your loan: If you’ve paid off your car loan or lease, you have more flexibility in choosing your coverage. You’re no longer obligated to maintain full coverage just to satisfy lender requirements.
  4. Coverage is too expensive: If the cost of full coverage premiums is straining your budget, transitioning to liability-only coverage can significantly reduce your insurance costs.
  5. You don’t drive very much: If you’re driving your vehicle infrequently or if it’s not your primary mode of transportation, you might consider reducing coverage.
  6. Better use of funds: Consider how much you could save by reducing coverage and whether those savings could be put to better use elsewhere, such as paying off debts, building an emergency fund, or investing.

The table below shows the average liability-only insurance cost for Chevy Silverado 1500 models from 1995 through 2012. The cost of full-coverage insurance is also included in order to compare the difference in price between the two.

Chevrolet Silverado Insurance Rates for 1995 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Chevrolet Silverado$1,268$684
2011 Chevrolet Silverado$1,220$678
2010 Chevrolet Silverado$1,182$674
2009 Chevrolet Silverado$1,138$668
2008 Chevrolet Silverado$1,088$656
2007 Chevrolet Silverado$1,046$646
2006 Chevrolet Silverado$1,034$640
2005 Chevrolet Silverado$1,014$634
2004 Chevrolet Silverado$986$630
2003 Chevrolet Silverado$966$624
2002 Chevrolet Silverado$947$612
2001 Chevrolet Silverado$928$599
2000 Chevrolet Silverado$909$587
1999 Chevrolet Silverado$891$576
1998 Chevrolet Silverado$873$564
1997 Chevrolet Silverado$856$553
1996 Chevrolet Silverado$839$542
1995 Chevrolet Silverado$822$531

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Chevrolet Silverado model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Chevy Silverado Insurance Rates for 1995 to 2012 Model Years

It’s crucial to make a well-informed decision when considering the removal of full coverage. Weigh the potential savings against the risks and your financial situation. If you decide to reduce your coverage, consult with your insurance provider to adjust your policy accordingly.

Is Silverado Insurance cheaper than other pickup brands?

If you haven’t bought a Silverado yet and are considering the insurance cost between different truck brands and models, then the data below may be of considerable interest.

When compared to other full-size half-ton pickups, Chevy Silverado insurance costs $142 more per year than the Ford F150, is $2 more than the Ram Truck, and costs $6 more than the GMC Sierra 1500 for 2023 models.

These differences may not seem too significant, but it’s important to point out that if you’re comparing significantly different trim levels between two models, you definitely want to compare rates based on the specific trim for each truck.

The reason being is insurance rates can vary significantly between lower-end models and top-end models of any vehicle. As an example, if you’re considering a high-end Silverado like the High Country, but you’re also considering a mid-level or low-end Ram or F-150, then the rates can be much different between those specific models than the average amounts noted above.

2020 Chevrolet Silverado 1500 Trail Boss 4WD Crew Cab
Photo of Trail Boss emblem on side of 2020 Chevrolet Silverado 1500 box side

The 2023 Chevrolet Silverado ranks sixth out of seven total comparison vehicles in the full-size half-ton truck class. The Silverado costs an average of $1,984 per year to insure for full coverage, while the segment average rate is $1,967 annually, a difference of $17 per year.

The chart below highlights where the Silverado ranks in comparison to the other pickups in a head-to-head insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Chevrolet Silverado, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Chevrolet Silverado trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Chevrolet Silverado vs Large Trucks Insurance Rate Comparison
Chevrolet Silverado Insurance Cost Compared to All Large Trucks
Rank Make/Model Insurance Cost Difference
1Nissan Titan$1,792-$192
2Ford F150$1,842-$142
3Toyota Tundra$1,904-$80
4GMC Sierra$1,978-$6
5Ram Truck$1,982-$2
6Chevrolet Silverado$1,984--
7GMC Hummer EV Pickup$2,286$302

Purchase price vs. insurance price

How does the cost of Silverado insurance compare to the pickup trucks with the most similar purchase price? This is an important metric when deciding between two different truck models.

With an average MSRP of $51,875, the cost to purchase a 2023 Chevrolet Silverado ranges from $42,795 to $73,395, before delivery and documentation fees.

The half-ton pickup models closest in price to the Silverado for the 2023 model year are the Toyota Tundra, Nissan Titan, GMC Sierra, and Ram Truck. Here’s how they compare to the Chevrolet Silverado for price and insurance cost.

  • Compared to the Toyota Tundra – The Toyota Tundra has an average retail price of $54,010, ranging from $36,965 to $75,245, which is $2,135 more expensive than the average cost for the Chevrolet Silverado. The cost to insure a Chevrolet Silverado compared to the Toyota Tundra is $80 more annually on average.
  • Compared to the Nissan Titan – The sticker price on the 2023 Nissan Titan averages $3,711 less than the average sticker price for the Chevrolet Silverado ($48,164 compared to $51,875). Insuring a 2023 Chevrolet Silverado compared to the Nissan Titan costs an average of $192 more annually.
  • Compared to the GMC Sierra – The average MSRP for a 2023 Chevrolet Silverado is $4,057 cheaper than the GMC Sierra, at $51,875 compared to $55,932. Insuring the Chevrolet Silverado compared to the GMC Sierra costs an average of $6 more each year.
  • Compared to the Ram Truck – The purchase price for the 2023 Ram Truck averages $4,647 more than the average MSRP for the Chevrolet Silverado ($56,522 compared to $51,875). The average insurance cost for a 2023 Chevrolet Silverado compared to the Ram Truck is $2 more per year.

Our insurance cost comparison page has additional Silverado comparisons, plus many other makes and models.

Chevy Silverado driving through thick mud

Which company has the best insurance for a Silverado?

If the cheapest price is your top priority, USAA, GEICO, and Progressive ranked at the top of our comparison of Silverado insurance rates, at estimated rates of $1,458, $1,750, and $1,913 per year.

However, if policy price is not your primary decision-making factor, then there are a lot of other things to consider. Some consumers want top-notch claims handling and others might want a full suite of online or mobile tools to manage their policy and track claims.

Additionally, some people like having the ability to walk into a local insurance agent’s office and sit down to discuss their insurance coverages.

In this comparison, we only considered large companies that had nearly universal coverage for all U.S. states. Smaller companies like Auto-Owners, Erie Insurance, American Family, and Shelter Insurance do not sell car insurance in every state but are definitely worth considering if you have access to them where you live.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 Chevrolet Silverado, rated for a 40-year-old married male driver. Physical damage deductibles are $500, liability limits are 100/300/100, and rates are averaged for all locations and Chevrolet Silverado trim levels.Data last updated on August 12, 2023
Average 2023 Chevrolet Silverado Insurance Rates by Company
Average 2023 Chevrolet Silverado Insurance Rates by Company
Insurance CompanyAverage Annual RateCost Per Month
USAA$1,458$122
GEICO$1,750$146
Progressive$1,913$159
State Farm$2,018$168
Liberty Mutual$2,218$185
Allstate$2,413$201

USAA takes top honors in this comparison, but you can only buy from them if you are a veteran, active military, or a family member of either.

So for the majority of us, GEICO, Progressive, and State Farm are the number one, two, and three companies in the rate comparison.

Understand that these rates are averages for all Silverado models and locations. Where you live makes a huge difference in the cost of car insurance. To see how your rates may differ from the average, simply enter your Zip Code under the chart and click the GO button.

Also, understand that no company is necessarily the best choice for every driver. Each one has positive and negative aspects of how they do business.

We put together a list of some of the pros and cons for each company shown in the chart to illustrate the importance of choosing a company that meets your individual needs.

1. USAA

Estimated USAA rate on a 2023 Chevrolet Silverado: $1,458 per year

Pros

  • Policy cost is the same whether you pay as a monthly payment or in full
  • They offer discounts for low-mileage drivers or vehicle storage
  • They offer a usage-based policy option called SafePilot to help you save money on your insurance

Cons

  • Less expensive options are available when adding a teen to a parent’s policy
  • Only offers insurance to active military members, veterans, and their immediate families

Get a Quote Or read more about auto insurance coverages offered at USAA.com

2. GEICO

Estimated GEICO rate on a 2023 Chevrolet Silverado: $1,750 per year

Pros

  • Offer a usage-based program, DriveEasy, for drivers who want to be monitored to save money
  • They have extra perks like federal employee and military discounts, accident forgiveness, and a car-buying program
  • On average, GEICO tends to have more affordable rates than the majority of other companies

Cons

  • Rates are above average for drivers with an accident or DUI
  • Have a below-average claim satisfaction rating in J.D. Power surveys

Get a Quote Or read more about auto insurance coverages offered at GEICO.com

3. Progressive

Estimated Progressive rate on a 2023 Chevrolet Silverado: $1,913 per year

Pros

  • Rates may be better than other companies for drivers with at-fault accidents on their record
  • Provides non-owner coverage for people who need coverage but do not own a car
  • Will file SR-22/FR-44 forms with the state if they are needed

Cons

  • Senior drivers and teenagers may find more attractive pricing elsewhere
  • Does not offer new car replacement

Get a Quote Or read more about auto insurance coverages offered at Progressive.com

4. State Farm

Estimated State Farm rate on a 2023 Chevrolet Silverado: $2,018 per year

Pros

  • They have strong financial ratings with agencies like J.D. Power and AM Best
  • They generally have a low amount of complaints filed with state insurance departments
  • Competitive rates if you’ve had a speeding ticket or two

Cons

  • Don’t give customers the ability to buy gap coverage unless you finance through State Farm Bank
  • Your local State Farm agent can’t quote your insurance with other providers so it will take some work on your part to shop around

Get a Quote Or read more about auto insurance coverages offered at StateFarm.com

5. Liberty Mutual

Estimated Liberty Mutual rate on a 2023 Chevrolet Silverado: $2,218 per year

Pros

  • Has excellent ratings with AM Best, Moody’s, and Standard & Poor’s
  • They offer a usage-based discount program, RightTrack, to help you save money on your insurance
  • Has optional coverages like loan/lease gap coverage and new car replacement

Cons

  • Expensive average rates for both drivers under the age of 25 and drivers over the age of 60
  • Liberty Mutual tends to have more complaints filed by customers with state regulators

Get a Quote Or read more about auto insurance coverages offered at LibertyMutual.com

6. Allstate

Estimated Allstate rate on a 2023 Chevrolet Silverado: $2,413 per year

Pros

  • They offer a usage-based discount program, Drivewise, to help save money on insurance
  • Coverages are available like a disappearing deductible, gap insurance, and accident forgiveness
  • Provides coverage for ridesharing for drivers who are employed by Uber or Lyft

Cons

  • Rates are not great for drivers with a DUI, speeding tickets, or poor credit
  • Allstate has some of the most expensive rates for both teenage and senior citizen drivers
  • Average rates are higher for drivers with a lapse in coverage or at-fault car accidents

Get a Quote Or read more about auto insurance coverages offered at Allstate.com

About the Author

Ryan GrabensteinDuring his career as an independent insurance agent, Ryan Grabenstein was appointed with Progressive, Allstate, Nationwide, Travelers, and many smaller regional and mutual companies. He has a Bachelor's degree in Finance from the University of Nebraska at Lincoln and Certified Insurance Counselor (CIC) personal and commercial lines training.