Rates quoted on July 9, 2026 for a 31-year-old male driver with a clean record in Los Angeles, CA (ZIP 90007). Your rate will vary based on driving record, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.

Shopping around pays off, and a 2021 Chevrolet Silverado insurance quote proves it. We ran the same Los Angeles driver through three major carriers on identical coverage. Progressive came back at $1,679 for six months. State Farm came back at $2,789.39.

That is a $1,110.39 gap for the exact same protection on the exact same truck. The driver did nothing different between quotes. Only the carrier changed. This is why 2021 Chevrolet Silverado insurance is worth comparing before every renewal, not just once.

The profile is a strong one: a 31-year-old with 15 years of driving experience, seven years of continuous coverage, no accidents, and no violations. Even clean drivers in Los Angeles see spreads this wide. Below are the full numbers, the coverage behind them, and what pushes 2021 Chevrolet Silverado insurance prices up in Southern California.

The Driver Profile

• 31-year-old single male, Los Angeles, CA (ZIP 90007)
• Occupation: police officer, some college
• Clean record: 0 accidents, 0 violations, no DUI, no SR-22
• Licensed 15 years on a valid California license
• Vehicle: 2021 Chevrolet Silverado LT, financed through Ally Financial
• 7,500 miles a year, 7-mile one-way commute, primary use commuting
• Prior carrier: Erie Insurance, 7 years insured at 100/300, no lapse
• Rents his home, one car, no other drivers

This is close to an ideal risk. A steady job, low annual mileage, seven years of continuous coverage at strong limits, and a spotless record all pull rates down. Two things push the other way. The truck is a full-size pickup, which costs more to repair and replace than a sedan, and the garaging address is Los Angeles, one of the more expensive metros in the country to insure a car.

The Coverage Package

• Bodily injury liability: 100/300
• Property damage liability: $100,000
• Collision deductible: $500
• Comprehensive deductible: $500
• Uninsured and underinsured motorist: included

Every carrier below was asked for the same limits so the comparison stays fair. A quote at state-minimum liability will always look cheaper than one at 100/300, but it leaves the driver exposed after a serious crash. One difference is worth flagging: Progressive left uninsured motorist bodily injury at the California minimum of 30/60, while State Farm and GEICO both matched it to the 100/300 liability limit, so those two carry more uninsured-driver protection. If you are unsure how the $500 deductibles change the premium, our guide to deductibles and your options walks through the trade-off.

2021 Chevrolet Silverado Insurance Quotes Compared

CARRIER	COVERAGE	6-MONTH PREMIUM	MONTHLY	VS. LOWEST
Progressive	100/300, $100K PD, UM 30/60	$1,679.00	$279.83	baseline
GEICO	100/300, $100K PD, UM 100/300	$2,553.08	$425.51	+$874.08
State Farm	100/300, $100K PD, UM 100/300	$2,789.39	$464.90	+$1,110.39

Source: InsuranceRateGuard.com quote data, July 2026. Quotes pulled directly from each carrier’s website using the profile above. Monthly figure is the six-month premium divided by six. State Farm and GEICO ran no-credit-hit estimates; California does not allow credit-based insurance scores in auto rating.

These 2021 Chevrolet Silverado insurance quotes show how wide the spread runs. Progressive came in cheapest on this profile, GEICO landed in the middle at $874.08 above it, and State Farm topped the group at $1,110.39 above Progressive for the same truck and the same liability limits. GEICO and State Farm both carry higher uninsured motorist protection than Progressive, so part of that gap buys more coverage. The carrier-by-carrier notes below explain what sits behind each figure.

Carrier by Carrier

Progressive

Progressive quoted $1,679 for six months, or about $279.83 a month, the lowest of the three on this profile. That price reflects the full 100/300 liability limits with $500 deductibles, built in Progressive’s own coverage editor, with uninsured motorist bodily injury left at California’s 30/60 minimum. Snapshot, the usage-based tracking program, was declined, so the number does not depend on sharing driving data. For a clean-record driver with seven years of prior coverage at strong limits, this is a competitive starting point.

GEICO

GEICO quoted $2,553.08 for six months, or about $425.51 a month, which lands in the middle of the three on this profile at $874.08 above Progressive. GEICO matched the full target coverage, including uninsured motorist at 100/300 and the same 4X4 Crew Cab body style as the other two, so the truck and the limits are a true apples-to-apples match. GEICO ran with no hard credit pull, but California bars credit-based insurance scores in auto rating, so unlike other states that does not move the price here. DriveEasy, GEICO’s telematics program, was not applied, so no usage-based discount is baked in, consistent with Progressive’s declined Snapshot.

Two funnel details shaped GEICO’s figure on this profile. GEICO routed the driver’s police-officer occupation through its state-and-local-government affiliation path, which can carry a discount the Progressive and State Farm funnels did not explicitly surface. GEICO also did not ask annual mileage and defaulted to 12,000 miles a year versus this profile’s 7,500, which pushes its number up relative to a true 7,500-mile quote. Read GEICO’s $2,553.08 as a solid-limits, full-mileage estimate, not a low-mileage floor.

State Farm

State Farm quoted $2,789.39 for six months, or about $464.90 a month, $1,110.39 above Progressive and the highest of the three. State Farm ran a no-credit-hit estimate, so the final price can move at bind, though California bars insurers from using credit at all in auto rating, which removes one common source of movement. Unlike State Farm’s New York quotes, the California estimate did not include a Drive Safe and Save telematics discount, so no usage-based discount is baked in. State Farm did match uninsured motorist coverage to the full 100/300 limit, more than Progressive carried, so part of the higher price buys more uninsured-driver protection.

What Drives 2021 Chevrolet Silverado Insurance Rates in Los Angeles

Location does most of the work behind 2021 Chevrolet Silverado insurance in this city. Los Angeles has some of the highest auto insurance costs in California, driven by dense traffic, long commutes, high repair labor rates, vehicle theft, and a large share of uninsured drivers. A Los Angeles ZIP code like 90007 rates far higher than a rural California address for the same driver and the same truck. That single factor explains much of why these quotes sit where they do.

California prices insurance differently from most states. It is an at-fault state with no personal injury protection requirement, so the medical-payments structure that inflates no-fault states is absent. California also does not allow insurers to use a credit-based insurance score in auto pricing. The main rating factors the state requires carriers to weigh are driving record, annual mileage, and years of driving experience.

This profile scores well on all three. That is why the gap between carriers comes down to how each company rates the truck and the Los Angeles address rather than the driver.

The truck itself matters too, and it is a big reason 2021 Chevrolet Silverado insurance runs higher than a sedan. A full-size pickup carries a higher replacement cost and pricier body panels than a compact car, so the collision and comprehensive portion of the policy runs up. Pickups and SUVs rate differently from sedans across the board, which is why the same driver can pay very different premiums depending on what sits in the driveway. Our car insurance rates by vehicle type breakdown shows where full-size trucks fall in the range, and our car insurance by state guide covers how California’s rules compare with the rest of the country.

How to Save on Insurance

1. Compare at least three carriers on identical limits before every renewal. The $1,110.39 spread from the lowest to the highest quote on this profile shows how far the same coverage can swing.
2. Match coverage first, then shop price. Watch the uninsured motorist line: one carrier here left it at the state minimum while two matched the full liability limit, which changes both price and protection.
3. Ask each carrier what a higher deductible does to the premium. Moving from $500 to $1,000 can cut the physical-damage cost if you can cover the larger out-of-pocket after a claim.
4. Confirm the annual mileage each carrier assumed. One funnel here defaulted to 12,000 miles instead of this driver’s 7,500, so correcting the mileage can lower the quote.
5. Ask about occupation and affinity discounts. A police-officer or government affiliation surfaced a discount path at one carrier that the others did not, so mention your line of work.
6. Keep coverage continuous and lean on low-mileage credits. This driver’s seven years with no lapse and low annual mileage both help the rate, and California rewards both directly.

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Comparing 2021 Chevrolet Silverado insurance in another market or on another truck helps. See our car insurance by state guide for how California compares to the rest of the country, and our car insurance rates by vehicle type breakdown for where a full-size truck lands.

Sources Used

• InsuranceRateGuard.com quote data, July 2026. Premiums pulled directly from each carrier’s official online quoting flow using the single profile described above.
• California Department of Insurance, auto insurance rating factors and consumer guidance: insurance.ca.gov.
• Insurance Research Council, uninsured motorist research: insurance-research.org.