Auto-Owners provides the most affordable pickup truck insurance at $1,009 annually, with GEICO following closely at $1,090 per year. These top-rated providers offer exceptional value with rates under $100 monthly, while other quality insurers like Progressive, State Farm, and Nationwide deliver competitive coverage in the $120 to $123 monthly range, giving truck owners multiple excellent options to choose from.
Best Car Insurance for Pickup Trucks
Updated: August 15, 2025
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Key Takeaways
Auto-Owners, GEICO and Travelers offer the cheapest pickup truck insurance, with rates starting at $84 monthly.
Insurance costs differ substantially by truck type. Compact models like the Toyota Tacoma and GMC Canyon often cost less to insure than full-size trucks like the Ford F-150 and Nissan Titan.
Pickup truck insurance averages $77 monthly for minimum coverage and $158 monthly for full coverage. Rates vary significantly by truck model, with some vehicles costing nearly double others to insure.
Top 10 Car Insurance Companies for Pickup Trucks
| Auto-Owners | $84 | $1,009 |
| GEICO | $91 | $1,090 |
| Travelers | $97 | $1,166 |
| Erie | $106 | $1,275 |
| Progressive | $120 | $1,438 |
| State Farm | $122 | $1,459 |
| American Family | $122 | $1,463 |
| Nationwide | $123 | $1,471 |
| Allstate | $156 | $1,875 |
| Farmers | $165 | $1,976 |
Chevrolet Colorado
Auto-Owners provides the cheapest Colorado coverage at $111 monthly. GEICO and Travelers offer competitive rates around $124 and $126 respectively. Allstate charges the highest at $206 monthly for this midsize truck.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $111 | $1,337 |
| GEICO | $124 | $1,493 |
| Travelers | $126 | $1,511 |
| Erie | $137 | $1,641 |
| Progressive | $148 | $1,773 |
| Nationwide | $148 | $1,778 |
| American Family | $153 | $1,837 |
| State Farm | $160 | $1,920 |
| Farmers | $203 | $2,434 |
| Allstate | $206 | $2,473 |
Chevrolet Silverado
Auto-Owners offers the best Silverado rates at $60 monthly for full coverage. GEICO and Erie follow closely at $94 and $96, and Allstate costs nearly triple that at $165 monthly.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $60 | $714 |
| GEICO | $94 | $1,125 |
| Erie | $96 | $1,153 |
| Travelers | $100 | $1,195 |
| American Family | $114 | $1,369 |
| State Farm | $116 | $1,394 |
| Nationwide | $118 | $1,416 |
| Progressive | $125 | $1,495 |
| Farmers | $154 | $1,844 |
| Allstate | $165 | $1,977 |
Ford F-150
Auto-Owners delivers the lowest F-150 rates at $110 monthly. Travelers, GEICO and Erie cluster around $131 to $134. Allstate costs nearly double at $212 monthly for America's bestselling truck.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $110 | $1,323 |
| Travelers | $131 | $1,572 |
| GEICO | $134 | $1,604 |
| Erie | $134 | $1,606 |
| Nationwide | $150 | $1,798 |
| American Family | $152 | $1,828 |
| Progressive | $163 | $1,950 |
| State Farm | $170 | $2,040 |
| Farmers | $211 | $2,534 |
| Allstate | $212 | $2,540 |
GMC Canyon
Auto-Owners offers the best Canyon rates at $69 monthly. GEICO and Erie offer similar rates around $101-$103. This midsize truck generally costs less than full-size models to insure.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $69 | $822 |
| GEICO | $101 | $1,211 |
| Erie | $103 | $1,240 |
| Travelers | $112 | $1,341 |
| State Farm | $115 | $1,383 |
| American Family | $121 | $1,454 |
| Progressive | $128 | $1,538 |
| Nationwide | $135 | $1,620 |
| Farmers | $139 | $1,669 |
| Allstate | $177 | $2,125 |
GMC Sierra 1500
Auto-Owners leads Sierra 1500 coverage at $61 monthly. GEICO ($96), Travelers ($100) and Erie ($101) offer competitive rates with just $5 separating the three insurers. Full-size GMC trucks typically cost more than their smaller Canyon counterpart.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $61 | $732 |
| GEICO | $96 | $1,147 |
| Travelers | $100 | $1,204 |
| Erie | $101 | $1,213 |
| American Family | $113 | $1,354 |
| Nationwide | $113 | $1,360 |
| State Farm | $115 | $1,381 |
| Farmers | $125 | $1,504 |
| Progressive | $127 | $1,527 |
| Allstate | $166 | $1,990 |
Honda Ridgeline
Auto-Owners, Travelers and GEICO have the cheapest Ridgeline rates, costing between $122 and $125 monthly. Despite its car-based design, the Ridgeline doesn't cost much less to insure than traditional trucks.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $122 | $1,470 |
| Travelers | $125 | $1,498 |
| GEICO | $125 | $1,499 |
| Nationwide | $147 | $1,767 |
| Erie | $155 | $1,861 |
| American Family | $160 | $1,920 |
| Progressive | $160 | $1,921 |
| State Farm | $166 | $1,993 |
| Allstate | $236 | $2,835 |
| Farmers | $237 | $2,839 |
Jeep Gladiator Sport
Auto-Owners offers the most affordable rates at $128 per month but has limited availability. Travelers is available nationwide and rates start at just $129 which is $17 cheaper than the next best national provider GEICO's average of $146.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $128 | $1,542 |
| Travelers | $129 | $1,546 |
| GEICO | $146 | $1,751 |
| Erie | $154 | $1,844 |
| American Family | $160 | $1,919 |
| Nationwide | $176 | $2,108 |
| Progressive | $186 | $2,235 |
| State Farm | $203 | $2,430 |
| Allstate | $225 | $2,705 |
| Farmers | $242 | $2,903 |
Nissan Frontier
GEICO offers the best rates for Frontier coverage at $130 per month followed closely by Auto-Owners averaging $131 monthly. Travelers closely follows at $132.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| GEICO | $130 | $1,563 |
| Auto-Owners | $131 | $1,575 |
| Travelers | $132 | $1,586 |
| Erie | $147 | $1,761 |
| Nationwide | $160 | $1,915 |
| Progressive | $164 | $1,964 |
| State Farm | $166 | $1,995 |
| American Family | $170 | $2,045 |
| Allstate | $197 | $2,363 |
| Farmers | $228 | $2,739 |
Nissan Titan
GEICO and Auto-Owners tie for the cheapest Titan coverage with rates of $145 and $146 monthly. Travelers follows closely at $148. Full-size trucks like the Titan typically cost more than compact models to insure.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| GEICO | $145 | $1,736 |
| Auto-Owners | $146 | $1,751 |
| Travelers | $148 | $1,777 |
| Erie | $170 | $2,038 |
| Nationwide | $172 | $2,066 |
| State Farm | $180 | $2,163 |
| American Family | $183 | $2,199 |
| Progressive | $184 | $2,212 |
| Allstate | $228 | $2,739 |
| Farmers | $240 | $2,881 |
Toyota Tacoma
Auto-Owners is $33 cheaper than its next Tacoma competitor at just $68 monthly. GEICO follows at $99, with Travelers at $104. The popular midsize truck offers some of the lowest insurance rates available.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $68 | $821 |
| GEICO | $99 | $1,188 |
| Travelers | $104 | $1,252 |
| Erie | $105 | $1,265 |
| American Family | $120 | $1,439 |
| Nationwide | $127 | $1,530 |
| State Farm | $128 | $1,536 |
| Farmers | $143 | $1,719 |
| Progressive | $145 | $1,742 |
| Allstate | $188 | $2,258 |
Toyota Tundra
Auto-Owners leads in affordability for Tundra coverage at $63 monthly. GEICO averages $93 and Erie $94. Despite being a full-size truck, the Tundra maintains relatively affordable insurance rates.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners | $63 | $752 |
| GEICO | $93 | $1,113 |
| Erie | $94 | $1,133 |
| Travelers | $103 | $1,230 |
| American Family | $114 | $1,365 |
| State Farm | $114 | $1,373 |
| Nationwide | $115 | $1,375 |
| Progressive | $132 | $1,585 |
| Farmers | $132 | $1,586 |
| Allstate | $175 | $2,104 |
Average Pickup Truck Insurance Cost
Pickup truck insurance averages $77 monthly for state minimum liability coverage and $158 monthly for full coverage with 100/300/100 limits plus comprehensive and collision protection. Full coverage costs roughly double the minimum. Your actual rate depends on your specific truck model and other factors.
Pickup Insurance Cost by Make and Model
Your truck's make and model directly impact what you'll pay for insurance. If you only carry your state's minimum liability requirements, expect to pay anywhere from $72 per month for a GMC Sierra 1500 up to $81 monthly for a Jeep Gladiator. When you add comprehensive and collision protection, monthly premiums jump to between $117 and $185, depending on which truck you drive.
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Coverage Level:State Minimum Liability Only
| GMC | Sierra 1500 SL | $72 | $865 |
| Honda | Ridgeline RTL | $74 | $893 |
| Chevrolet | Silverado 1500 | $75 | $897 |
| Toyota | Tacoma | $75 | $905 |
| Toyota | Tundra | $76 | $910 |
| GMC | Canyon SL | $76 | $915 |
| Ford | F-150 XL | $77 | $922 |
| Chevrolet | Colorado WorkTruck | $77 | $927 |
| Nissan | Frontier S | $78 | $939 |
| Nissan | Titan SV | $79 | $951 |
| Jeep | Gladiator Sport | $81 | $975 |
Average Pickup Truck Insurance Cost by State
Pickup truck insurance costs vary by state, ranging from $64 monthly in Maine to $300 monthly in Louisiana. Rural states like Idaho, Vermont and Iowa have the cheapest coverage at $64 to $69 per month, while expensive states like Louisiana, Nevada and New Jersey cost $178 to $300 per month.
| Alabama | $100 | $1,199 |
| Alaska | $96 | $1,149 |
| Arizona | $122 | $1,469 |
| Arkansas | $95 | $1,145 |
| California | $136 | $1,628 |
| Colorado | $142 | $1,700 |
| Connecticut | $170 | $2,034 |
| Delaware | $138 | $1,661 |
| Florida | $156 | $1,871 |
| Georgia | $154 | $1,847 |
| Hawaii | $72 | $860 |
| Idaho | $66 | $792 |
| Illinois | $106 | $1,277 |
| Indiana | $77 | $918 |
| Iowa | $69 | $827 |
| Kansas | $86 | $1,028 |
| Kentucky | $136 | $1,635 |
| Louisiana | $300 | $3,597 |
| Maine | $64 | $764 |
| Maryland | $159 | $1,911 |
| Massachusetts | $144 | $1,732 |
| Michigan | $168 | $2,013 |
| Minnesota | $105 | $1,256 |
| Mississippi | $107 | $1,287 |
| Missouri | $156 | $1,873 |
| Montana | $94 | $1,126 |
| Nebraska | $89 | $1,069 |
| Nevada | $201 | $2,414 |
| New Hampshire | $86 | $1,035 |
| New Jersey | $178 | $2,139 |
| New Mexico | $110 | $1,325 |
| New York | $124 | $1,489 |
| North Carolina | $84 | $1,003 |
| North Dakota | $74 | $884 |
| Ohio | $86 | $1,033 |
| Oklahoma | $114 | $1,372 |
| Oregon | $126 | $1,514 |
| Pennsylvania | $122 | $1,460 |
| Rhode Island | $145 | $1,739 |
| South Carolina | $128 | $1,532 |
| South Dakota | $76 | $913 |
| Tennessee | $100 | $1,199 |
| Texas | $165 | $1,983 |
| Utah | $112 | $1,343 |
| Vermont | $65 | $779 |
| Virginia | $116 | $1,389 |
| Washington | $106 | $1,277 |
| West Virginia | $112 | $1,342 |
| Wisconsin | $86 | $1,037 |
| Wyoming | $69 | $829 |
Affordable Pickup Truck Insurance: Buying Guide
Finding the best affordable pickup truck insurance doesn't mean sacrificing protection. These tips help you compare rates and coverage options to get the best deal.
How to Get the Best Cheap Pickup Truck Insurance
Truck insurance rates are generally more affordable than those for other vehicles. However, there are ways to save even more. Learning some tips and tricks can help reduce your truck insurance cost.
- 1
Shop around for the best rates
Truck insurance rates vary by insurance company. Compare prices to ensure you get the best policy at a fair price.
- 2
Bundle your policies
If you'll get other types of insurance, ask insurers about bundling discounts. Bundling policies can help you save significantly while getting the best protection.
- 3
Ask about discounts
You may find various discounts to lower your premium. Common options include good driver, low mileage, accident-free and loyalty discounts.
- 4
Use an insurance comparison tool
Comparing prices helps you find the most affordable option. Start by using an online quote tool, like MoneyGeek’s auto insurance calculator.
- 5
Raise your deductible
The deductible is the amount you pay out of pocket when you make a claim. Generally, higher deductibles lead to lower premiums.
- 6
Consider pay-as-you-drive coverage
Pay-per-mile coverage may be your best option if you don't drive often. Your insurance costs will depend on the amount you’ve driven each month.
- 7
Opt for vehicle storage in the off-season
If you plan to park your vehicle for an extended period, like during the winter, ask your insurance agent if you can reduce non-essential coverage while staying compliant with your state’s insurance laws.
- 8
Add your truck to a multi-car policy
Adding vehicles to a multi-car insurance policy reduces the rates for each car in the policy, which might make sense if you have roommates or a family.
Best Pickup Truck Insurance Coverage Options
When looking for the best pickup truck insurance, consider the coverage level. Options include minimum coverage, collision, comprehensive, guaranteed asset protection (GAP), personal injury protection (PIP), medical payments and new truck replacement coverage.
To find the most suitable policy for your needs, choose the coverages that best suit your truck and driver profile.
Insurance Type | What It Covers | Required or Optional |
|---|---|---|
Minimum coverage | Your costs when you cause an accident, including injuries and property damage to others | Required |
Collision | Damage due to a collision with another vehicle or object | Optional |
Comprehensive | Damage from weather, theft, vandalism and other non-crash events | Optional |
GAP insurance | The difference between what your truck is worth and what you still owe on your loan or lease when it's totaled or stolen | Optional |
PIP or medical payments insurance | Medical bills for you and your passengers after an accident, no matter who caused it | Required or optional |
New truck replacement coverage | Cost for a similar make and model if your truck gets totaled in an accident | Optional |
Pickup Truck Insurance Coverage Add-Ons
Pickup truck owners often require more than standard coverage, especially for work, towing or off-road use. Add-ons such as roadside assistance, rental reimbursement and custom parts coverage offer tailored protection to meet your truck's specific needs.
Roadside assistance
Covers services like towing, jump-starts, tire changes and fuel delivery if your truck breaks down.
Rental reimbursement
Pays for a rental vehicle if your truck is being repaired due to a covered claim.
Custom equipment coverage
Covers add-ons you've installed like lift kits, aftermarket wheels, and specialized bed accessories.
Trailer and towing coverage
Provides protection when your trailer or the equipment you're towing gets damaged or causes an accident.
Gap insurance
Covers the difference between your loan balance and your truck’s actual cash value if it’s totaled in an accident.
Off-road coverage
Ensures financial protection if you use your pickup for off-road adventures, which standard policies may not cover.
Rideshare or business use coverage
Essential if you use your truck for work, such as hauling goods or driving for a rideshare company.
Accident forgiveness
Prevents your rates from increasing after your first at-fault accident.
Cheap Car Insurance for Trucks: Bottom Line
Truck drivers usually have higher premiums due to the size of the truck and its various use cases. However, affordable truck insurance is still easy to find. No matter how you use your truck, many insurers offer customized policies to meet your needs.
Cheap Truck Insurance: FAQ
Learning the answers to common questions can help you find the best pickup truck insurance.
How much does truck insurance cost?
The average cost of auto insurance for trucks ranges from $77 per month for minimum coverage to $158 per month for full coverage.
Are pickup trucks more expensive to insure?
Generally, pickup trucks are cheaper to insure than other vehicle types. However, auto insurance for luxury trucks may be more expensive.
What is the best insurance company for pickup truck coverage?
The best insurance company depends on the type of pickup truck. Auto-Owners is usually the cheapest provider, followed by GEICO and Travelers. USAA is also a good option for drivers with a military background.
Is farm truck insurance cheaper?
Farm truck insurance is usually cheaper than regular truck insurance mainly because farm trucks have a lower liability and risk profile. They're often used for farming and tax deductions, not for personal use like commuting through traffic.
Best Auto Insurance for Pickup Trucks: Our Review Methodology
MoneyGeek evaluates car insurance providers using a ranking system that focuses on customer satisfaction, affordability, claims service, coverage and financial stability. Data sources include Quadrant Information Services, J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
Overview
Costs and service quality vary widely between states. To determine the best companies, MoneyGeek used its scoring system to identify providers excelling in multiple states for a specific driver profile. This approach ensures recommendations are relevant across much of the country, whether you're in Texas or Delaware.
Data Acquisition and Depth
We analyzed 83,056 quotes from 46 companies across 473 ZIP codes. Customer and claims satisfaction ratings came from trusted sources like J.D. Power, NAIC and AM Best.
Driver Profile
MoneyGeek calculates average rates using a standard driver profile:
- 40-year-old male
- Clean driving record
- 100/300/100 liability coverage limits
- Comprehensive and collision coverages with a $1,000 deductible
- 12,000 miles driven annually
We modified this profile to account for factors like age, location, driving history, vehicle type, coverage preferences, mileage and military affiliation.
Scoring Methodology
We rate each provider on a 5-point scale using these factors:
- 30% customer satisfaction: Based on the NAIC customer complaint index and J.D. Power ratings
- 30% affordability: Analyzes rate comparisons using Quadrant Information Services data
- 20% claims: Evaluated through J.D. Power’s Claims Study and the CRASH Report Card
- 10% coverage: Assessed by reviewing provider coverage offerings for essential options
- 5% financial stability: Determined using AM Best ratings to ensure claim reliability
Weightings were adjusted for specific priorities. For example, affordability was excluded for drivers focused on customer service. Unique coverage options also influenced qualitative evaluations.
Learn more about MoneyGeek’s car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.