Auto-Owners Insurance 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-$123 monthly range, giving truck owners multiple excellent options to choose from.
Best Car Insurance for Pickup Trucks
Updated: June 30, 2025
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Key Takeaways
Auto-Owners Insurance, 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 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 |
Chevrolet Colorado
Auto-Owners Insurance 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 Insurance Co | $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 |
Cherolet Silverado
Auto-Owners Insurance 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 Insurance Co | $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 Insurance delivers the lowest F-150 rates at $110 monthly. Travelers, GEICO, and Erie cluster around $131-$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 Insurance Co | $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 Insurance 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 Insurance Co | $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 Insurance leads Sierra 1500 coverage at $61 monthly. GEICO ($96), Travelers ($100), and Erie ($101) offer very 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 Insurance Co | $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 Insurance, Travelers, and GEICO tie for the lowest Ridgeline rates ranging between $122 to $125 monthly. This unique pickup's car-based platform doesn't significantly reduce insurance costs compared to traditional trucks.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| Auto-Owners Insurance Co | $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 Insurance 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 Insurance Co | $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 follow closely by Auto-Owners Insurance 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 Insurance Co | $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 Insurance 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 Insurance Co | $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 Insurance 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 Insurance Co | $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 Insurance leads in affordability for Tundra coverage at $63 monthly. Only $1 dollar separates the second and third best options 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 Insurance Co | $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, providing significantly more financial protection for truck owners. Your actual rate depends on your specific truck model and other factors.
Pickup Insurance Cost by Make and Model
Insurance costs vary significantly by truck model and coverage level. For minimum coverage, rates range from $72 monthly for the GMC Sierra 1500 to $81 monthly for the Jeep Gladiator. Full coverage spans a wider range from $117 to $185 monthly. Popular models like the Chevrolet Silverado and Toyota Tundra are the most affordable pickup trucks to insure across both coverage categories, typically costing $75 and $121 monthly depending on your chosen protection level.
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
| 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 |
Average Pickup Truck Insurance Cost by State
Pickup truck insurance costs vary dramatically by state, with rates ranging from as low as $64 monthly in Maine to $300 monthly in Louisiana. Rural states like Idaho, Vermont, and Iowa offer the most affordable coverage at $64-$69 monthly, while high-cost states including Louisiana, Nevada, and New Jersey can exceed $178-$300 monthly. Most states fall in the $86-$156 range, making location a critical factor in your insurance budget.
| 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
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.
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
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.
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 | 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 |
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
Protects aftermarket modifications, such as lift kits, custom wheels and specialized truck bed accessories
Trailer and towing coverage
Covers trailers and towed equipment in case of damage or liability incidents
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 is $119 per month. 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. State Farm 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.
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
Providers receive a composite score of up to 5 points, weighted as follows:
- 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.
This system provides tailored insights to help drivers choose the best insurance for their needs.
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.