Updated: March 21, 2025
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State Farm is the best insurance provider for pickup trucks, offering competitive and valuable policy features. Nationwide and GEICO are also great companies that provide outstanding service.
The average monthly truck insurance cost is $119 on a full coverage policy. 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.
State Farm is the best and cheapest overall insurer for pickup trucks due to its competitive rates, high customer satisfaction and comprehensive coverage options tailored for truck owners. Its rental car and travel reimbursement coverage provide added protection if your truck is temporarily unavailable. With broad availability, State Farm is a dependable choice for truck owners across the country.
Here are the top five insurance companies for pickup truck owners:
Company | Best For | MoneyGeek Score (out of 100) | |
|---|---|---|---|
State Farm | Overall | 90 | |
Nationwide | Discounts for safe drivers | 89 | |
GEICO | Financial strength and reliability | 88 | |
Allstate | Customizable coverage options | 84 | |
Travelers | Comprehensive coverage and add-ons | 81 |
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.
For Ford F-150 owners, State Farm offers the best combination of affordability and service, with an average monthly premium of $85 and a MoneyGeek score of 90 out of 100. As one of the most popular trucks in the U.S., the F-150 benefits from State Farm's reliable coverage and essential add-ons like rental reimbursement and roadside assistance, making it a top choice for daily drivers and work truck users.
Discount offerings:
Travelers is the best insurance provider for Dodge Ram 2500 owners, combining customizable coverage with competitive pricing. With an average monthly premium of $100 and a MoneyGeek score of 91 out of 100, Travelers offers a wide range of options, allowing Ram 2500 drivers to tailor their policies. This flexibility makes it an excellent choice for those using their trucks for heavy-duty work, towing or business purposes.
Discounts offerings:
State Farm offers the best Nissan Frontier insurance, combining affordable rates and reliable customer service, with an average monthly premium of $91 and a MoneyGeek score of 90 out of 100. With practical add-ons like roadside assistance and rental reimbursement, State Farm gives Frontier drivers cost-effective protection whether they use their trucks for daily driving or light hauling.
Discount offerings:
GEICO is the best Dodge Ram Rebel insurance provider, offering competitive rates and dependable service, with an average monthly premium of $109 and a MoneyGeek score of 90 out of 100. Known for its strong financial stability and easy-to-use online tools, GEICO is a great option for Rebel drivers who want affordable coverage and convenient policy management.
Discount offerings:
Travelers is the best Jeep Gladiator insurance provider, offering customizable coverage and competitive pricing. With an average monthly premium of $101 and a MoneyGeek score of 91 out of 100, Travelers delivers reliable claims service and flexible policy options. Its adaptability makes it an excellent choice for Gladiator drivers, whether for everyday use or off-road adventures.
Discounts offerings:
State Farm offers the best Honda Ridgeline insurance, combining affordable rates and reliable service. With an average monthly premium of $93 and a MoneyGeek score of 90 out of 100, State Farm provides roadside assistance and rental reimbursement. This flexibility ensures Ridgeline drivers receive the protection they need for daily driving and hauling tasks.
Discount offerings:
State Farm is the best Toyota Tundra insurance provider, offering affordable rates and dependable customer service. With an average monthly premium of $96 and a MoneyGeek score of 90 out of 100, State Farm provides essential add-ons like rental reimbursement and roadside assistance. These options ensure Tundra drivers receive comprehensive protection for daily commutes, towing or hauling tasks.
Discount offerings:
State Farm is the best insurance provider for a Toyota Tacoma, combining affordable rates with dependable coverage. With an average monthly premium of $86 and a MoneyGeek score of 90 out of 100, State Farm offers valuable add-ons such as roadside assistance and rental reimbursement, making it an excellent choice for Tacoma drivers seeking flexible protection for everyday driving and rugged adventures.
Discount offerings:
State Farm offers the most affordable insurance for pickup trucks, with an average monthly premium of $95. Although rates depend on your truck model, location and driving history, the table below lists the most budget-friendly insurers to help you find the right coverage for your needs.
| State Farm | $1,139 | $95 |
| GEICO | $1,167 | $97 |
| Travelers | $1,252 | $104 |
| Nationwide | $1,367 | $114 |
| Allstate | $1,539 | $128 |
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.
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.
Truck insurance rates vary by insurance company. Compare prices to ensure you get the best policy at a fair price.
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.
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.
Comparing prices helps you find the most affordable option. Start by using an online quote tool, like MoneyGeek’s auto insurance calculator.
The deductible is the amount you pay out of pocket when you make a claim. Generally, higher deductibles lead to lower premiums.
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.
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.
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.
Truck insurance costs an average of $119 per month, 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 monthly full coverage insurance is $108, while a similar policy for a BMW i8 averages $268 — 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 insurance cost.
| Chevy Silverado | $49 | $112 |
| Ford F-150 | $48 | $107 |
| Honda Ridgeline | $46 | $117 |
| Jeep Gladiator | $47 | $129 |
| Nissan Frontier | $49 | $117 |
| Ram 2500 | $52 | $127 |
| Ram Rebel | $51 | $136 |
| Toyota Tacoma | $47 | $108 |
| Toyota Tundra | $49 | $120 |
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 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.
Covers services like towing, jump-starts, tire changes and fuel delivery if your truck breaks down
Pays for a rental vehicle if your truck is being repaired due to a covered claim
Protects aftermarket modifications, such as lift kits, custom wheels and specialized truck bed accessories
Covers trailers and towed equipment in case of damage or liability incidents
Covers the difference between your loan balance and your truck’s actual cash value if it’s totaled in an accident
Ensures financial protection if you use your pickup for off-road adventures, which standard policies may not cover
Essential if you use your truck for work, such as hauling goods or driving for a rideshare company
Prevents your rates from increasing after your first at-fault accident
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.
Learning the answers to common questions can help you find the best pickup truck insurance.
The average cost of auto insurance for trucks is $119 per month. However, your rates will vary based on your truck type and insurer.
Generally, pickup trucks are cheaper to insure than other vehicle types. However, auto insurance for luxury trucks may be more expensive.
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.
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.
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:
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:
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.
