Rates quoted on July 22, 2026 for a 42-year-old male driver with a clean record in Columbus, OH (ZIP 43215). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.

We pulled 2021 Chevrolet Silverado insurance quotes from four national carriers for the same Columbus, OH driver. The prices did not land close together. Liberty Mutual came in lowest at $564 for six months, while American Family quoted $1,380 for the identical coverage, an $816 gap for the same truck and the same driver.

That’s the headline finding. The rest of this article breaks down the driver profile we used, the coverage package each carrier had to match, and what’s actually driving the price swing between four carriers quoting the same 2021 Chevrolet Silverado.

The truck itself was a 2021 Chevrolet Silverado LT, financed through Ally Financial, insured for personal use only. That’s the most common way this generation of Silverado shows up on the road, which makes this 2021 Chevrolet Silverado insurance comparison a useful reference point for a lot of Ohio drivers shopping the same truck.

The Driver Profile

Every quote below used the same synthetic driver profile, built to reflect a realistic single-driver household:

• 42-year-old male, single, no dependents
• Firefighter, employed full time
• Columbus, OH (ZIP 43215), at the current address for 2 years
• Licensed 26 years, valid Ohio license
• Clean record: zero accidents, zero violations, and no DUIs in the past 5 years
• Prior carrier was Nationwide, insured continuously for 3 years with no lapse
• Homeowner, non-smoker, no telematics program enrollment requested
• Drives about 10,000 miles a year for pleasure, with no daily commute

Mileage and use matter more than most drivers realize. A commuter who drives a Silverado 15,000 miles a year to a job site will usually pay more than this profile did, since more time on the road means more exposure to a claim.

The Coverage Package

We asked every carrier to match the same coverage limits so the prices would actually be comparable:

• Bodily injury liability: 100/300 ($100,000 per person, $300,000 per accident)
• Property damage liability: $100,000
• Comprehensive deductible: $500
• Collision deductible: $500
• Uninsured/underinsured motorist coverage: yes

Matching these limits mattered more than it sounds. A carrier’s default quote often starts well below these numbers, and a cheap-looking quote can just mean thinner coverage. Our deductibles guide breaks down how raising or lowering that $500 figure moves your premium in either direction.

What Four Carriers Quoted for This 2021 Chevrolet Silverado Insurance Profile

CARRIER	6-MONTH PREMIUM	MONTHLY	VS. LOWEST
Liberty Mutual	$564	$94.00	baseline
Progressive	$617	$102.83	+$53
GEICO	$777	$129.50	+$213
American Family	$1,380	$230.00	+$816

Source: InsuranceRateGuard.com quote data, July 2026. Quotes pulled directly from each carrier’s website using the profile above.

Four carriers quoted this profile. Two notes on comparability before the breakdown. Liberty Mutual’s price includes its RightTrack telematics discount baked into the base estimate, with no way to opt out inside the online quote flow, even though this driver profile asked not to enroll in telematics. GEICO’s quote does not include uninsured motorist property damage, because Ohio law doesn’t require an insurer to offer that coverage once a driver already carries collision, which this profile does.

Carrier-by-Carrier Breakdown

Liberty Mutual: $564 for six months. This was the cheapest quote on this profile, but it’s not a clean apples-to-apples price. The RightTrack telematics discount is folded into the number and can’t be removed online, so a driver who actually opts out of telematics tracking through an agent could see a different final price. Liberty Mutual matched every requested limit once we edited the bodily injury figure, which automatically raised property damage and uninsured motorist coverage along with it.

Progressive: $617 for six months. Progressive came in second cheapest on this profile, and it needed the fewest edits to get there. Liability, uninsured motorist bodily injury, and both deductibles were already set at our target limits by default. The only change needed was adding uninsured motorist property damage, which Progressive doesn’t include automatically.

GEICO: $777 for six months. GEICO landed roughly in the middle, after we edited property damage and both deductibles up to our target limits from GEICO’s lower defaults. The one gap here isn’t really a gap: Ohio doesn’t require GEICO to offer uninsured motorist property damage on a policy that already has collision coverage, so that single line item sits outside the comparison.

American Family: $1,380 for six months. American Family quoted more than double Liberty Mutual’s price and $763 more than Progressive, on the exact same driver and coverage. Every requested limit matched by default or with a quick deductible edit, so the gap isn’t about coverage differences.

This carrier also offers its own usage-based telematics program, which this profile declined, and the price above reflects that decline. It’s simply how this carrier priced this specific 2021 Chevrolet Silverado insurance profile in this ZIP code.

Why Silverado Insurance Costs Vary So Much in Columbus

A $816 spread between four carriers shopping the same 2021 Chevrolet Silverado insurance profile looks extreme, but it’s common. Each carrier builds its own pricing model from its own claims history, and a truck that’s a great fit for one insurer’s risk appetite can look expensive to another.

Pickup trucks carry their own pricing quirks, and this 2021 Chevrolet Silverado insurance comparison shows why. Repair costs, parts availability, and a vehicle’s overall value all move the price up or down, and trucks often price differently than sedans of similar value. Our guide to car insurance rates by vehicle type covers how body style factors into a carrier’s math beyond just the sticker price.

Location matters just as much as the vehicle for 2021 Chevrolet Silverado insurance shoppers. Ohio requires drivers to carry at least 25/50/25 in liability limits, a floor every quote in this article cleared several times over. Ohio’s uninsured driver rate also runs above the national average: the Insurance Research Council estimated 18.5% of Ohio drivers were uninsured in 2023, well above the 15.4% national figure.

That’s one reason uninsured and underinsured motorist coverage is worth keeping, even though it adds a line to the premium. Rules and average costs shift by state too, and our car insurance by state guide has the specifics for wherever you’re shopping.

Credit-based insurance scores are another factor that can swing a quote by hundreds of dollars, and this profile was priced as a synthetic driver with no real credit file behind it. A driver shopping these same carriers with an actual credit history could see meaningfully different numbers on any of these four quotes.

A ZIP code inside Columbus can also price differently than a ZIP code just outside it, even for the same 2021 Chevrolet Silverado insurance shopper. Local claim frequency, theft rates, and repair-shop labor costs all get baked into a carrier’s rating territory, and territories can change from one ZIP to the next within the same metro area. That’s worth knowing if you’re comparing a quote from this article against one you got at a different address in the Columbus area.

How to Save on Insurance

A few concrete moves can bring any of these prices down further, regardless of which carrier ends up cheapest for you:

1. Shop all four carriers yourself, not just the cheapest one on paper. Coverage details, telematics rules, and payment options vary enough that the second-cheapest quote sometimes ends up the better deal once you factor in a mandatory discount program you don’t want.
2. Ask each carrier directly about telematics before you buy. Liberty Mutual’s RightTrack came baked into our quote with no online opt-out. An agent may have more flexibility than the website does.
3. Re-shop your policy every 12 months. Loyalty rarely earns a lower price, and a fresh round of quotes on the same coverage can turn up savings even if you don’t switch carriers.
4. Raise your deductible if you can cover it out of pocket. Moving from a $500 to a $1,000 deductible on comprehensive and collision usually lowers your premium, though the exact savings differ by carrier.
5. Bundle home and auto with the same company. Several carriers in this comparison offer a discount for combining policies that isn’t reflected in these auto-only quotes.
6. Keep your driving record clean. This profile’s zero accidents and zero violations kept every quote closer to the low end of what these carriers offer. A single at-fault claim or ticket can undo more savings than any discount adds back.

None of these six moves cost more than a few minutes, and together they can close a meaningful chunk of the $816 gap this comparison found. The fastest win is simply re-shopping all four carriers on the same coverage every year, since pricing models shift and today’s cheapest 2021 Chevrolet Silverado insurance option won’t always stay the cheapest.

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For related reading, see our guide to understanding your credit-based insurance score and our state-by-state breakdown of car insurance by state.

Sources Used

• InsuranceRateGuard.com quote data, July 2026. Premiums pulled directly from each carrier’s official online quoting flow using the profile described above.
• Ohio Revised Code 3937.181, property damage coverage as part of uninsured motorist coverage: codes.ohio.gov.
• Ohio Bureau of Motor Vehicles, mandatory insurance minimum liability limits: bmv.ohio.gov.
• Insurance Research Council, uninsured and underinsured motorist research: insurance-research.org.