Best Cheap Car Insurance for Trucks (2025)

Key Takeaways

The average cost of truck insurance is $1,370. Your premium can vary based on the type of truck, its use and your location.

Truck insurance costs vary greatly depending on the provider. An insurer can provide a more expensive quote than another company for the same vehicle and policy type.

GEICO is generally the best cheap truck insurance provider, offering competitive rates, strong customer service and valuable policy features. Annual rates typically range from $1,000 to $1,100.

Car Insurance for Trucks: Average Annual Costs

Truck insurance costs an average of $1,370 annually, but rates vary based on the truck's type, use, storage and location.

Trucks range from industrial work vehicles to high-performance models. Luxury trucks often have higher full coverage insurance costs because their specialized parts are costly to repair or replace.

Truck insurance rates are generally lower than those for luxury or sports cars. For example, a Toyota Tacoma's average annual insurance cost is $1,181, while a similar policy for a BMW i8 averages $2,810 — more than twice the cost.

Compare quotes to find affordable coverage that meets your needs. Check out the table below for your truck's average annual insurance cost.

Average Cost of Truck Insurance

Type of Truck	Average Annual Cost of Insurance
Nissan Frontier	$1,120
Toyota Tacoma	$1,181
Ford F150	$1,184
Toyota Tundra	$1,200
Chevrolet Silverado	$1,237
Honda Ridgeline	$1,247
Jeep Gladiator	$1,355
Dodge Ram Rebel	$1,368
Dodge Ram 2500	$1,440

Best Cheap Truck Insurance by Model

The auto insurance company you choose impacts your costs. To find affordable truck insurance, shop around and compare quotes.

The best choice balances cost, customer satisfaction and financial stability while keeping complaints low. Ratings may differ based on the truck type — research which company provides the most affordable insurance for popular truck models.

MoneyGeek analyzed rates for a 40-year-old male with a clean driving record and 100/300/100 comprehensive coverage with a $1,000 deductible. We also evaluated other factors, including user satisfaction and financial stability ratings.

Affordable Truck Insurance for a Ford F-150

Best cheap truck insurance option: GEICO

GEICO is the top option for Ford F-150 insurance for the average driver. It ranks first in financial stability and is the most affordable, widely available insurer, with an average annual cost of $1,097.

USAA earned the highest overall rating among all insurers, ranking first in every category. It also offers the most affordable policy at an average of $1,041 annually. However, USAA coverage is available only to military members and their families.

The most expensive option is Allied. Its average annual rate for a Ford F-150 is $1,435 — $338 more than GEICO.

Cheap Truck Insurance Rates: Ford F-150

	Insurer	Average Annual Cost
1.	USAA	$1,041
2.	GEICO	$1,097
3.	Progressive	$1,132
4.	State Farm	$1,142
5.	Nationwide	$1,246
6.	Allstate	$1,364
7.	Allied	$1,435

Affordable Truck Insurance for a Dodge Ram 2500

Best cheap truck insurance option: GEICO

Dodge Ram 2500 owners can find the cheapest insurance with GEICO. It offers the lowest average annual rate, $1,206, and has the highest MoneyGeek score for Ram insurance. GEICO ranks first for affordability and financial stability.

Allstate is the most expensive option, with an average annual rate of $1,764 — $558 more than GEICO.

Cheap Truck Insurance Rates: Dodge Ram 2500

	Insurer	Average Annual Cost
1.	GEICO	$1,206
2.	USAA	$1,284
3.	State Farm	$1,296
4.	Nationwide	$1,425
5.	Progressive	$1,592
6.	Allied	$1,683
7.	Allstate	$1,764

Affordable Truck Insurance for a Nissan Frontier

Best cheap truck insurance option: GEICO

If you drive a Nissan Frontier, GEICO is likely your most affordable option. It earned the highest overall rating in MoneyGeek’s analysis for Frontier owners, with top financial stability and affordability scores. Its average annual cost is $937.

Allied is the most expensive option, with an average annual rate of $1,430 — $493 more than GEICO.

Cheap Truck Insurance Rates: Nissan Frontier

	Insurer	Average Annual Cost
1.	GEICO	$937
2.	USAA	$994
3.	State Farm	$1,074
4.	Progressive	$1,082
5.	Nationwide	$1,250
6.	Allstate	$1,320
7.	Allied	$1,430

Affordable Truck Insurance for a Dodge Ram Rebel

Best cheap truck insurance option: GEICO

GEICO offers the best cheap truck insurance for a Dodge Ram Rebel, with the lowest average rate of $1,148 annually. It ranks first for financial stability and second for affordability and user satisfaction.

USAA has the highest overall rating and the most affordable average rate at $1,125 per year. However, its policies are available only to active-duty military members, veterans and their families.

Allied has the most expensive premium for a Dodge Ram Rebel, with an average annual rate of $1,793 — $645 more than GEICO.

Cheap Truck Insurance Rates: Dodge Ram Rebel

	Insurer	Average Annual Cost
1.	USAA	$1,125
2.	GEICO	$1,148
3.	Progressive	$1,193
4.	State Farm	$1,388
5.	Nationwide	$1,453
6.	Allstate	$1,728
7.	Allied	$1,793

Affordable Truck Insurance for a Jeep Gladiator

Best cheap truck insurance option: Progressive

The best cheap truck insurance option for a Jeep Gladiator is Progressive, with an average annual rate of $1,217. It's the cheapest widely available option for Gladiator owners and ranks second for satisfaction and fourth for complaint ratio and financial stability.

If you or a family member are in the military, USAA is the top-rated insurer for Gladiators. It earned perfect scores in all categories, including user satisfaction, financial stability and affordability. USAA charges an average of $1,153 annually, which is cheaper than Progressive.

The table below shows the average annual costs of comprehensive coverage on a Jeep Gladiator:

Cheap Truck Insurance Rates: Jeep Gladiator

	Insurer	Average Annual Cost
1.	USAA	$1,153
2.	Progressive	$1,217
3.	GEICO	$1,274
4.	State Farm	$1,369
5.	Nationwide	$1,383
6.	Allstate	$1,605
7.	Allied	$1,623

Affordable Truck Insurance for a Honda Ridgeline

Best cheap truck insurance option: GEICO

GEICO offers the best cheap truck insurance for a Honda Ridgeline, with the lowest average annual rate of $1,076. It also ranks highest for financial stability.

The table below shows the average annual costs for comprehensive coverage on a Honda Ridgeline:

Cheap Truck Insurance Rates: Honda Ridgeline

	Insurer	Average Annual Cost
1.	GEICO	$1,076
2.	USAA	$1,109
3.	Progressive	$1,163
4.	State Farm	$1,217
5.	Nationwide	$1,300
6.	Allied	$1,498
7.	Allstate	$1,525

Affordable Truck Insurance for a Toyota Tundra

Best cheap truck insurance option: GEICO

GEICO is the best pickup truck insurance provider for a Toyota Tundra, with an average annual rate of $1,031 — making it the most affordable option. GEICO also ranks highest for financial stability and second for customer satisfaction.

The table below shows the average annual costs of comprehensive coverage on a Toyota Tundra:

Cheap Truck Insurance Rates: Toyota Tundra

	Insurer	Average Annual Cost
1.	GEICO	$1,031
2.	USAA	$1,033
3.	State Farm	$1,199
4.	Progressive	$1,201
5.	Nationwide	$1,283
6.	Allstate	$1,390
7.	Allied	$1,455

Affordable Truck Insurance for a Toyota Tacoma

Best cheap truck insurance option: GEICO

GEICO is the top provider of Toyota Tacoma auto insurance, ranking first for affordability and financial stability. The average annual cost of insuring a Tacoma is $976, the cheapest rate for this truck model.

The table below shows the average annual costs of comprehensive coverage on a Toyota Tacoma:

Cheap Truck Insurance Rates: Toyota Tacoma

	Insurer	Average Annual Cost
1.	GEICO	$976
2.	USAA	$1,017
3.	Progressive	$1,132
4.	State Farm	$1,199
5.	Nationwide	$1,273
6.	Allstate	$1,411
7.	Allied	$1,455

Affordable Truck Insurance: Buying Guide

To get the best affordable truck insurance, explore the following sections for tips on choosing the right policy. This will help you find the right balance between coverage and cost for your needs.

Budget Truck Insurance 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	Financial loss in an at-fault accident, including bodily injuries and property damage the other party sustains	Required
Collision	Damage due to a collision with another vehicle or object	Optional
Comprehensive	Damage due to a non-collision event, such as vandalism, flood, hail or theft	Optional
GAP insurance	The difference between the car's actual value and the cost the policyholder owes on their loan or lease; applies when the insured vehicle is totaled or stolen	Optional
PIP or medical payments insurance	The driver and passengers' medical expenses due to an accident, regardless of who's at fault	Required or optional
New truck replacement coverage	Replacement cost for a similar make and model if the policyholder’s truck gets totaled in an accident	Optional

How to Lower Your Truck Insurance Costs

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
Depending on the insurer, 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.

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 car insurance for trucks is $1,370. However, your rates will vary based on your truck type and insurer.

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. GEICO is usually the cheapest provider. 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.

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.

Read Full Bio »

Best Cheap Truck Insurance (2025)

Key Takeaways

Compare Auto Insurance Rates

Car Insurance for Trucks: Average Annual Costs

Average Cost of Truck Insurance

Best Cheap Truck Insurance by Model

Affordable Truck Insurance for a Ford F-150

Cheap Truck Insurance Rates: Ford F-150

Compare Auto Insurance Rates

Affordable Truck Insurance for a Dodge Ram 2500

Cheap Truck Insurance Rates: Dodge Ram 2500

Affordable Truck Insurance for a Nissan Frontier

Cheap Truck Insurance Rates: Nissan Frontier

Affordable Truck Insurance for a Dodge Ram Rebel

Cheap Truck Insurance Rates: Dodge Ram Rebel

Compare Auto Insurance Rates

Affordable Truck Insurance for a Jeep Gladiator

Cheap Truck Insurance Rates: Jeep Gladiator

Affordable Truck Insurance for a Honda Ridgeline

Cheap Truck Insurance Rates: Honda Ridgeline

Affordable Truck Insurance for a Toyota Tundra

Cheap Truck Insurance Rates: Toyota Tundra

Affordable Truck Insurance for a Toyota Tacoma

Cheap Truck Insurance Rates: Toyota Tacoma

Compare Auto Insurance Rates

Affordable Truck Insurance: Buying Guide

Budget Truck Insurance Options

How to Lower Your Truck Insurance Costs

Shop around for the best rates

Bundle your policies

Ask about discounts

Use an insurance comparison tool

Raise your deductible

Consider pay-as-you-drive coverage

Opt for vehicle storage in the off-season

Add your truck to a multi-car policy

Compare Auto Insurance Rates

Cheap Car Insurance for Trucks: Bottom Line

Cheap Truck Insurance: FAQ

How much does truck insurance cost?

Are pickup trucks more expensive to insure?

What is the best insurance company for pickup truck coverage?

Is farm truck insurance cheaper?