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: February 9, 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
Truck insurance rates vary by insurer. Compare quotes from at least three companies to find the best price.
- 2Bundle your policies
Combining home, auto and other policies with one insurer reduces your overall premium. Ask about bundling discounts when getting quotes.
- 3Ask about discounts
Common discounts include good driver, low mileage, accident-free and loyalty programs. Request a full list of discounts from each insurer.
- 4Use an insurance comparison tool
Online comparison tools let you view quotes from multiple insurers at once, saving time when shopping for coverage.
- 5Raise your deductible
Higher deductibles lower your premium. If you have $1,000 in savings for emergencies, increasing your deductible from $500 to $1,000 can reduce your annual cost.
- 6Consider pay-as-you-drive coverage
Pay-per-mile coverage costs less if you drive under 10,000 miles annually. Your monthly rate depends on actual miles driven rather than estimated annual mileage.
- 7Opt for vehicle storage in the off-season
Ask your insurance agent about reducing coverage to liability-only when parking your truck for winter or extended periods. This maintains legal compliance while lowering your premium.
- 8Add your truck to a multi-car policy
Multi-car insurance policies reduce per-vehicle rates. This works for families or roommates insuring multiple vehicles with the same company.
Pickup Truck Insurance Coverage Options
Pickup truck insurance needs vary by how you use your vehicle. Options include minimum coverage, collision, comprehensive, gap insurance, personal injury protection (PIP), medical payments and new truck replacement coverage. Choose coverages based on your truck's value, loan status, driving frequency and budget.
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 working in trades, towing trailers or driving off-road need specialized coverage beyond standard policies. Roadside assistance, rental reimbursement and custom parts coverage address these specific uses.
Roadside assistance
Covers towing, jump-starts, tire changes and fuel delivery when your truck breaks down.
Rental reimbursement
Pays for a rental vehicle while your truck is being repaired after a covered claim.
Custom equipment coverage
Covers aftermarket add-ons like lift kits, custom wheels and specialized bed accessories.
Trailer and towing coverage
Covers damage to trailers and towed equipment, plus liability when towed items cause accidents.
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
Covers damage when driving off designated roads. Standard policies exclude off-road use.
Rideshare or business use coverage
Required when using your truck for business, hauling goods commercially or driving for rideshare companies. Personal policies exclude commercial activities.
Accident forgiveness
Prevents your rates from increasing after your first at-fault accident.
Cheap Car Insurance for Trucks: Bottom Line
Pickup truck insurance costs vary based on vehicle size, usage and whether you use your truck for work or towing. Many insurers offer flexible policies based on how and where you drive.
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?
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.
What is the best insurance company for pickup truck coverage?
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.
Is farm truck insurance cheaper?
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, 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.