Cheapest Car Insurance for Trucks (2024)

USAA continually offers cheap rates for trucks of every make and model.

Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 20, 2023 at 12:00 PM PDT

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Americans love their trucks. So much so that the three bestselling vehicles in the country all have a flatbed.[1]

The average national monthly payment for trucks is $107 for liability-only insurance and $198 for full coverage. These rates are slightly higher than the national average cost of car insurance. Trucks can cost more to insure due to their value, size, and primary use.

Whether you’re in the market for your first truck or your next, here’s what you should know about the insurance market for the nation’s most popular trucks.

Quick Facts
  • USAA offers the cheapest monthly rates for truck insurance.

  • The national average monthly truck insurance payment is $107 for liability only and $198 for full coverage.

  • You may need commercial auto insurance if you use a truck for work.

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Cheapest car insurance for pickup trucks

Collecting quotes from multiple insurance companies is essential when searching for car insurance for your pickup truck. Your rate can vary depending on your vehicle, driving history, and ZIP code.

Here you can see how rates vary based on individual model types.

Chevrolet Silverado

With multiple customizations and engine types, Chevrolet Silverados are one of the most popular trucks in the U.S.[2] The Silverado offers plenty of options for your towing and hauling needs, with a tow tech camera installed to assist during pickups.

Here, you can see how Silverado insurance options stack up from top insurers.

Insurance CompanyAverage Monthly Quote
USAA101
State Farm$111
GEICO$115
Nationwide $128
All-State $138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Ford F-Series

The Ford F-Series offers multiple options for various models, such as electric and hybrid.[3] This truck is also great for camping or anywhere you need an already-included generator.

USAA offers the cheapest truck insurance monthly rate for the F-Series, starting at $95.

Insurance CompanyAverage Monthly Quote
USAA$95
State Farm $105
GEICO$109
Nationwide$121
Allstate $131
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Ram 1500

USAA offers Ram 1500 insurance for $103 per month. Rams help you save even more with the impressive fuel economy offered by its diesel engine.

Insurance CompanyAverage Monthly Quote
USAA$103
State Farm $114
GEICO$118
Nationwide$131
Allstate$141
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Toyota Tundra

The Toyota Tundra offers a smooth ride, even when off-roading. Tundras also have an impressive list of safety features to protect you and your passengers on the road.

Tundra monthly rates start at $101 through USAA.

Insurance CompanyAverage Monthly Quote
USAA$101
State Farm$112
GEICO$116
Nationwide$129
Allstate$139
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

GMC Sierra

The GMC Sierra was recently remodeled and includes many tech features, such as a 13.4-inch screen compatible with both Apple and Android interfaces. It also offers a Google-powered voice recognition system that can help with navigation and in-car temperature and entertainment control.

Here, you can see the monthly rates offered by top insurers.

Insurance CompanyAverage Monthly Quote
USAA$102
State Farm $113
GEICO$117
Nationwide$129
Allstate$140
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Toyota Tacoma

Toyota Tacomas are the bestselling midsize trucks for a reason.[4] Not only can they handle rough terrain, but they also offer a V6 engine that can pair with a six-speed transmission.

You can snag USAA insurance for $95 per month if this is your kind of truck.

Insurance CompanyAverage Monthly Quote
USAA$95
State Farm$105
GEICO$109
Nationwide $120
Allstate $130
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Chevrolet Colorado

With a rehauled steering system, the Chevrolet Colorado is an excellent choice for a truck of all trades. Whether you need your truck for play, work, or both, this universal vehicle offers new abilities and equipment that impress drivers.

Insurance CompanyAverage Monthly Quote
USAA$92
State Farm$102
GEICO$105
Nationwide$116
Allstate $126
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Nissan Frontier

The Nissan Frontier offers affordable pricing as well as a strong V6 engine, topline safety figures, and an updated interior.

The cheapest car insurance for a Frontier is USAA, at $90 per month, on average.

Insurance CompanyAverage Monthly Quote
USAA$90
State Farm $100
GEICO$103
Nationwide $115
Allstate$125
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Jeep Gladiator

If you want a truck that can go off-road, consider the Jeep Gladiator. These trucks are the only convertibles on the market and offer an impressive bed size to help carry everything you’ll need on your adventure.

The cheapest insurance for a Jeep Gladiator is through USAA, offering monthly quotes starting at $104.

Insurance CompanyAverage Monthly Quote
USAA$104
State Farm$115
GEICO$119
Nationwide$132
Allstate $142
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Ford Maverick

Rated highest among compact trucks, the Ford Maverick offers the truck feel for a low price. Ford Mavericks offer crew cabs for passengers to jump in with ease. The hybrid train also allows you to get onto the freeway quickly, and it doesn’t take a lot of gas to get you there.

The cheapest insurance rate is $101, offered by USAA.

Insurance CompanyAverage Monthly Quote
USAA$101
State Farm$112
GEICO$116
Nationwide $128
Allstate$139
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest truck insurance

Trucks may be more expensive to insure than cars, but you still have ways to score a cheap rate. Follow these strategies:

  • Get quotes to compare rates. Before settling on one insurance company, ask multiple competitors for information so that you’re able to compare rates. You’d be surprised how much the rates can vary for the same truck.

  • Ask about discounts. Make a list of all the discounts each company offers that you can use to your advantage. Popular discounts to ask for include those for first responders, students in good standing, and even for bundling your insurance policies. Ask your insurance agent what discounts you may qualify for.

  • Pay your premium in full. Instead of paying for your truck insurance monthly, pay the premium in full. Insurance companies will often discount your total bill if you cover your premium all at once. A great way to do this is to put money aside every month so it feels like you’re paying it little by little instead of getting hit with a big chunk all at once.

  • Maintain a good driving record. Your driving record is one of the most significant factors in calculating your insurance rate. If you have a history of incidents, take it easy and drive safely.

What truck insurance covers

Truck insurance can cover damages to your vehicle or another party and bodily injuries. Here are some of the different types of coverage to look for:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Liability coverage

    This coverage pays for the other party’s property damage and bodily injury if you’re responsible for an at-fault accident. It’s important to know that while this coverage can protect you financially, liability insurance won’t cover any damages or injuries you may suffer.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for any damages sustained to your vehicle and medical bills caused in the event of an accident if the other driver has little or no insurance.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Collision and comprehensive coverage

    Collision protects you and your vehicle if you crash into another car or item, while comprehensive covers damage from weather-related incidents, theft, and other non-collision incidents. In addition to liability, this coverage makes up what’s known as full-coverage insurance.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Commercial truck insurance

    If you plan on using your truck for business, consider commercial truck insurance. Commercial truck insurance offers enhanced protections for vehicles that spend more time on the road during the workday.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    Trailers

    Hauling goods and other items around your truck should be insured, too. Truck insurance can offer you the chance to get coverage on a trailer in case of property damage and other injuries sustained while in use.

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Factors that affect your car insurance rates

Companies calculate your insurance premiums using several factors, including:

  • Age: Insurance rates, on average, become lower once you’ve hit 25 but can go back up at 70 and older. Teens have less driving experience (and confidence) behind the wheel, which can lead to risky decisions, causing accidents that result in physical damage. As such, teens pay some of the highest insurance rates in the U.S.[5]

  • Location: Your location can make or break your cheap car insurance rates. Bigger cities come with more risk due to the higher density of residents and, often, increased crime. More drivers on the road can also mean more accidents and driving incidents compared to people who live in a rural setting.

  • Driving record: A clean driving history can also affect your rates. The more accidents, speeding tickets, and moving violations you have, the more risk you carry as a customer. Maintain a clean driving record and your premiums will reflect the savings.

  • Type of vehicle: The make and model of your car can raise your car insurance rates. Some models are more likely to be stolen, which adds to an insurance company’s risk and increases premiums. Your vehicle model can also affect your insurance rates due to a lack of safety features, a history of recalls, or based on the overall value of the vehicle.

Truck insurance FAQs

Looking to learn more about the truck insurance market? The following answers can help.

  • Which company has the cheapest truck insurance?

    USAA offers the most affordable truck insurance, but the company’s coverage is only available to military members and their families. Fortunately, State Farm and GEICO also have competitive rates for inexpensive truck insurance if you don’t qualify for USAA coverage.

  • How much does truck insurance cost?

    The national average monthly truck insurance payment is $107 for liability only and $198 for full coverage. USAA offers rates below this average, as do other insurance companies such as State Farm and GEICO.

  • Do pickup trucks cost more to insure?

    Generally, yes. Pickup trucks typically cost more to insure than cars. This is partially because trucks are more prone to rollover accidents than any other vehicle, causing more traffic-related deaths.[6] Most accidents reported are caused by owner-operator error and reckless driving.

    Trucks also typically have a higher value than many common cars, which is reflected in the insurance premiums.

  • Is a 4x4 truck more expensive to insure?

    Yes. 4x4 trucks can be larger than other vehicles, cost more, and are most likely used for off-roading — all of which cost more to cover in case of an accident.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. CarEdge. "Top 5 Best-Selling Cars, Trucks, and SUVs in America: The Ultimate Guide For 2022-2023." Accessed October 2, 2023
  2. Edmunds. "2023 Chevy Silverado 1500." Accessed October 2, 2023
  3. Kelley Blue Book. "2023 Ford F150." Accessed October 2, 2023
  4. Edmunds. "2023 Toyota Tacoma." Accessed October 2, 2023
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed October 2, 2023
  6. National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed October 2, 2023
Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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