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.
Best Cheap Car Insurance for Pickup Trucks
Updated: February 6, 2026
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Key Takeaways
Auto-Owners, GEICO and Travelers offer the best affordable pickup-truck insurance, with rates starting at $84 a month.
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 needs vary by usage, with drivers often needing additional protection for towing, work-related driving, customization or off-road use.
How Much Does Pickup Truck Insurance Cost?
| GMC Sierra 1500 SL | $117 | $1,407 |
| Toyota Tundra | $120 | $1,443 |
| Chevrolet Silverado 1500 | $121 | $1,452 |
| GMC Canyon SL | $126 | $1,509 |
| Toyota Tacoma | $130 | $1,563 |
| Chevrolet Colorado WorkTruck | $158 | $1,895 |
| Ford F-150 XL | $165 | $1,982 |
| Nissan Frontier S | $168 | $2,013 |
| Honda Ridgeline RTL | $171 | $2,051 |
| Jeep Gladiator Sport | $185 | $2,217 |
| Nissan Titan SV | $185 | $2,222 |
Cheapest Car Insurance Companies for Pickup Trucks
Auto-Owners provides the most affordable full coverage 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.
| Auto-Owners Insurance Co | $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 |
Cheapest Pickup Truck Insurance by Make and Model
A pickup truck’s make and model play a major role in insurance pricing. Some trucks cost less to insure because they’re cheaper to repair or have strong safety records, while others cost more due to higher repair costs, theft risk or performance features. Below, we highlight the cheapest insurance companies for the most popular pickup truck models.
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.
- 1Shop 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.
- 2Bundle Your Policies
If you plan to buy other types of insurance, ask about bundling discounts. Combining your policies can help you save more while keeping strong coverage in place.
- 3Ask About Discounts
You may find various discounts to lower your premium. Common options include good driver, low mileage, accident-free and loyalty discounts.
- 4Use 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.
- 5Raise Your Deductible
The deductible is the amount you pay out of pocket when you make a claim. Generally, higher deductibles lead to lower premiums.
- 6Consider 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.
- 7Opt 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.
- 8Add 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.
Pickup Truck Insurance Coverage Options
When choosing pickup truck insurance, start by thinking about how you use your truck and the level of protection you want. Common options include minimum coverage, collision, comprehensive, GAP, personal injury protection (PIP), medical payments and new truck replacement coverage.
The right policy depends on your lifestyle and driving habits, so focus on coverages that match how often you drive, where you live and how much risk you’re comfortable taking.
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
Pickup truck insurance often costs more because larger vehicles can cause greater damage in accidents and are sometimes used for work or towing. Still, finding affordable coverage is possible. Many insurers now offer flexible policies tailored to how and where you drive your truck.
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 car 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).
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.