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 about double the minimum. Your actual rate depends on your truck model, driving record and location.
Best Cheap Car Insurance for Pickup Trucks
Updated: September 1, 2026
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Key Takeaways
Auto-Owners, GEICO and Travelers offer the best affordable pickup truck insurance, with rates from $84 to $97 monthly.
Insurance costs differ by truck type. Compact models like the Toyota Tacoma and GMC Canyon cost less to insure than full-size trucks like the Ford F-150 and Nissan Titan.
Pickup truck insurance needs vary by usage. Drivers who tow trailers, work in trades, customize their trucks or drive off-road need additional coverage.
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 at $1,090 per year. Both insurers charge under $100 monthly. Progressive, State Farm and Nationwide charge $120 to $123 monthly for comparable coverage.
| 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 affect insurance pricing. Trucks with lower repair costs and strong safety records cost less to insure. Trucks with higher repair costs, theft risk or performance features cost more. Below are the cheapest insurance companies for popular pickup truck models.
How to Get the Best Cheap Pickup Truck Insurance
Truck insurance costs less than coverage for most other vehicles. You can reduce your rates further without sacrificing coverage.
- 1Shop around for the best rates
Rates for truck insurance vary widely by company. Getting quotes from at least three insurers helps you find the best price.
- 2Bundle your policies
Bundling home, auto and other policies with the same insurer usually lowers your overall premium. When you get quotes, ask each company what bundling discounts it offers.
- 3Ask about discounts
Insurers commonly offer discounts for safe driving, low mileage, an accident-free record and customer loyalty. Ask each one for its full discount list.
- 4Use an insurance comparison tool
Online comparison tools pull quotes from multiple insurers into one place. That cuts down on the time it takes to shop for coverage.
- 5Raise your deductible
A higher deductible means a lower premium. Someone with $1,000 set aside for emergencies could raise their deductible from $500 to $1,000 and cut their annual cost.
- 6Consider pay-as-you-drive coverage
Drivers under 10,000 miles a year pay less with per-mile coverage. Instead of an estimated annual mileage, your monthly rate reflects the miles you actually drive.
- 7Opt for vehicle storage in the off-season
When your truck sits parked for winter or an extended stretch, ask your agent about switching to liability-only coverage. You'll stay legally compliant and pay less.
- 8Add your truck to a multi-car policy
Insuring more than one vehicle under the same company through a multi-car policy lowers the rate per vehicle. Families and roommates sharing a policy can use this to their advantage.
Pickup Truck Insurance Coverage Options
How you use your truck determines what coverage makes sense. Beyond minimum coverage, you can add collision, comprehensive, gap insurance, personal injury protection (PIP), medical payments or new truck replacement coverage. Your truck's value and loan status drive that decision, along with your driving frequency and what you can spend.
Insurance Type | What It Covers | Required or Optional |
|---|---|---|
Minimum coverage | Bodily injury and property damage you cause to others | Required |
Collision | Damage to your truck from crashes with vehicles or objects | Optional |
Comprehensive | Damage from weather, theft, vandalism and other non-collision events | Optional |
Gap insurance | Difference between your truck's value and remaining loan balance when totaled or stolen | Optional |
PIP or medical payments | Medical bills for you and passengers regardless of fault | Required or optional |
New truck replacement | Cost to replace your totaled truck with a similar new model | Optional |
Pickup Truck Insurance Coverage Add-Ons
Pickup truck owners who work in trades, tow trailers or drive off-road need coverage beyond a standard policy. Roadside assistance, rental reimbursement and custom parts coverage address these needs.
Roadside assistanceCovers towing, jump-starts, tire changes and fuel delivery when your truck breaks down.
Rental reimbursementPays for a rental vehicle while your truck is being repaired after a covered claim.
Custom equipment coverageCovers aftermarket add-ons like lift kits, custom wheels and specialized bed accessories.
Trailer and towing coverageCovers damage to trailers and towed equipment, plus liability when towed items cause accidents.
Gap insuranceCovers the difference between your loan balance and your truck’s actual cash value if it’s totaled in an accident.
Off-road coverageCovers damage when driving off designated roads. Standard policies exclude off-road use.
Rideshare or business use coverageRequired when using your truck for business, hauling goods commercially or driving for rideshare companies. Personal policies exclude commercial activities.
Accident forgivenessPrevents your rates from increasing after your first at-fault accident.
Cheap Car Insurance for Trucks: Bottom Line
Pickup truck insurance costs depend on the vehicle's size, how you use it and whether you're towing or driving for work. Insurers price policies differently based on your driving habits and location.
Cheap Truck Insurance: FAQ
These are the questions pickup truck owners ask most about coverage and cost.
The average cost of auto insurance for trucks ranges from $77 per month for minimum coverage to $158 per month for full coverage.
Pickup trucks cost less to insure than most other vehicles. Luxury trucks like the Ford F-150 Limited or Ram 1500 Limited cost more due to higher repair and replacement expenses.
The best car insurance company depends on your truck model. Auto-Owners has the lowest rates for most trucks, followed by GEICO and Travelers. USAA offers competitive rates for military members and veterans.
Farm truck insurance costs less than regular truck insurance because farm trucks have lower liability and risk profiles. Farm trucks are used on private property for agricultural work rather than commuting on public roads.
Best Auto Insurance for Pickup Trucks: Our Review Methodology
MoneyGeek evaluates car insurance providers using a ranking system based 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 is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.