Avalanche Insurance

What Affects the Costs of Insurance on a Chevy Avalanche

(Here's what you need to know)

Chevy Avalanche

The Chevy Avalanche is a unique vehicle that blends the comfort and passenger capacity of an SUV with the cargo space of a large pickup truck. It debuted in 2002 and was discontinued after the 2013 model year. 

Despite its size, power and popularity, the Avalanche is one of the cheapest trucks to insure because it offers exceptional safety and lower-than-average repair costs. 

In fact, Avalanche insurance is significantly less expensive than the national average for car insurance, despite the vehicle’s relatively high theft rate. You can expect to pay around $1,000 to insure an Avalanche, compared to the national average of $1,474.

If you are looking for Avalanche insurance, a Trusted Choice® independent agent can help you find the best coverage at an affordable price. Independent agents can obtain quotes from multiple carriers, so you can shop around and make sure you are getting what you need. 

How Much Does Chevy Avalanche Insurance Cost?

Chevy Avalanche insurance averages about $1,000 per year, which is lower than the national average of $1,474 for auto insurance. This estimate of Avalanche insurance cost is based on the vehicle make and model, but remember, your rates are based on a variety of other factors.

Insurance companies look at a particular model’s record of claims and the costs associated with repairs and passenger injuries. Vehicles that are safer and less susceptible to theft generally cost less to insure. Other factors that influence your car insurance rates include:

  • Age and gender
  • Driving history
  • Marital status
  • Credit history
  • Where you live
  • How much you drive 
  • Types of coverage, coverage limits and deductibles you choose

States require drivers to carry a minimum amount of liability coverage (to pay for injuries or property damage you cause in an accident), which in many cases will not be sufficient if you get into a serious crash. 

Most experts recommend having at least 100/300/50 liability coverage on your vehicle, which equates to:

  • $100,000 liability coverage limit per person 
  • $300,000 liability coverage limit per accident
  • $50,000 property damage liability limit

You also need collision coverage and comprehensive coverage. These pay for damage to your vehicle due to accidents and other circumstances, such as theft and vandalism. 

A deductible will apply to any collision or comprehensive claims. Higher deductibles can help lower your rates, but be sure you will have the funds to cover the deductible if you need to make a claim. 

What Influences Insurance Costs for Trucks?

Insurance for vehicles in the full-size pickup truck category is relatively affordable, with large variation among models. Smaller, less expensive and less powerful pickups have the most affordable insurance rates, while larger, more powerful pickups may cost more to insure. 

Larger pickups generally cost more to insure because they cost more to repair than their smaller counterparts. The Chevy Avalanche has been ranked several times as one of the least expensive trucks to insure.

Chevy Avalanche Auto Theft and Safety Ratings

Vehicle safety ratings are based on the frequency of accidents for a particular car model, and how likely it is for passengers to be injured. 

Insurance companies treat safer vehicles more favorably because they are less likely to have to pay costly claims for passenger injuries and repairs. Cars with lower safety ratings are generally more costly to insure. 

According to U.S. News and World Report, the 2013 Chevrolet Avalanche ranked #9 in safety in the full-size pickup truck category, with an overall score of 7.4/10. The Avalanche includes a variety of safety features, including:

  • Driver side air bag
  • Passenger, side and rear body air bags
  • 4-wheel anti-lock brakes
  • Electronic automatic stability control

Risk of auto theft also plays an important role in how much you pay for car insurance. The National Highway Transportation Safety Administration  indicates that $6 billion was lost nationwide to motor vehicle thefts in 2017. 

These losses often take the form of auto insurance claims, so they are of great concern to auto insurance companies. 

A report from the Highway Loss Data Institute, a division of the Insurance Institute for Highway Safety, listed the 2013 Chevy Avalanche 1500 as one of the most popular trucks with thieves, with an average payment per claim of $6,163.

Theft statistics increase the premium for the comprehensive part of your auto insurance policy, which pays for losses due to theft, fire, vandalism, weather, birds or animals, glass breakage, and so on. 

So how can you keep a car thief from targeting your Chevy Avalanche?

  • Always lock your car
  • Don’t leave your keys in the car
  • Install an alarm system
  • Never leave your car running while it is unattended
  • Park in safe, well-lit areas
  • Don’t keep “hidden” spare keys in your car

Cost of Chevy Avalanche Vehicle Repairs

Repair costs for the Chevy Avalanche are slightly lower than the national average for certain types of repairs. This is good news, because repair costs also figure in to how much it costs to insure a vehicle, and how much it costs just to own a particular vehicle over time. 

Typically, it costs more to repair a new car than an older one, and repairs for imports can greatly exceed the same repairs for domestic vehicles. 

Where to Find Car Insurance for Chevy Avalanche

The Chevy Avalanche is a unique vehicle that might fit the needs of many drivers looking for the comfort of an SUV and the cargo space of a large pickup truck. It is easy to find quality Chevy Avalanche insurance with the help of a Trusted Choice independent agent.

Trusted Choice agents are local and understand your needs. With multiple quotes, you can compare coverage options and quotes, and choose the option that best meets your needs and budget. 

Start your search for your local independent agent now.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

TrustedChoice.com Article | Reviewed by Jeffrey Green

©2020, Consumer Agent Portal, LLC. All rights reserved.

NHTSA.gov