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.[5] 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.

What’s the cheapest truck to insure?

The Ford Ranger is the cheapest truck to insure, according to Insurify data. Insurance costs for the model average $80 per month for liability-only policies and $151 monthly for full coverage.

Are pickup trucks cheaper to insure than SUVs?

Pickup trucks generally cost more to insure than SUVs. The overall average cost of pickup truck insurance is $137 monthly. By comparison, the overall average for SUVs is $107 per month.

Does using a truck for work increase insurance?

Yes. Using your pickup truck for work will increase your insurance costs because you’ll need to buy commercial coverage. Commercial truck insurance is usually more expensive than personal pickup truck insurance because many business uses are inherently risky and increase the miles you drive your pickup each year.

Cheapest Car Insurance for Trucks (2026)

Updated July 29, 2026

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Americans love their trucks. So much so that the three bestselling vehicles in the country are pickups.^[1]

The average national monthly payment for trucks is $100 for liability-only insurance and $188 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

Auto-Owners offers the cheapest average rates for pickups, at $84 per month for full coverage.
The Ford Ranger is the cheapest truck to insure, with average monthly rates of around $115.
You’ll need a special commercial auto policy if you use your truck for business purposes.

Cheapest truck insurance companies

No matter the truck you drive, it’s worth getting quotes from insurance companies that offer cheap rates specifically for trucks. Insurify research uncovered that many smaller, regional insurers, such as COUNTRY Financial, Auto-Owners, and Erie, tend to offer great rates for pickups.

But if those companies don’t operate in your area, larger insurers like USAA, State Farm, and GEICO are also generally affordable options.

At the end of the day, the best way to uncover the cheapest rates for you and your truck is to compare quotes from these companies and as many others as you can.

The table below features a full breakdown of monthly average truck insurance costs by company.

Insurance Company	Average Liability Quote for Trucks	Average Full-Coverage Quote for Trucks
COUNTRY Financial	$36	$84
Auto-Owners	$42	$83
USAA	$47	$100
State Farm	$49	$104
Erie	$64	$122
Allstate	$67	$143
Mile Auto	$75	$133
GEICO	$75	$141
American Family	$75	$153
The General	$83	$216
Safeco	$85	$140
Root	$87	$155
Nationwide	$87	$182
Dairyland	$88	$228
Mercury	$91	$162
Travelers	$91	$186
Direct Auto	$92	$170
GAINSCO	$98	$223
Farmers	$99	$209
Bristol West	$101	$202
Chubb	$111	$215
Elephant	$113	$183
Anchor	$116	$214
AssuranceAmerica	$121	$222
21st Century	$124	$244
Shelter	$124	$231
Liberty Mutual	$125	$208
Clearcover	$127	$213
The Hartford	$129	$243
Plymouth Rock	$130	$201
State Auto	$137	$274
Amica	$229	$431

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Average truck insurance rates by pickup type

The type of pickup truck you drive can play a small, indirect role in your monthly car insurance costs. Here’s a breakdown of average rates by truck type.

Truck Type	Example Models	Average Liability Quote	Average Full-Coverage Quote
Compact	Ford Maverick, Hyundai Santa Cruz	$102	$192
Midsize	Chevrolet Colorado, Ford Ranger, GMC Canyon, Jeep Gladiator, Nissan Frontier, Toyota Tacoma, Honda Ridgeline	$88	$166
Full-size	Chevrolet Silverado, Ford F-100, GMC Sierra, Nissan Titan, Ram 1500, Toyota Tundra	$98	$184
Hybrid	N/A	N/A	N/A

Cheapest truck insurance by pickup model

Insurance costs often vary widely from one pickup truck model to the next. And the cheapest company for one truck model may not be the most affordable for another.

In the sections below, we’ve broken down the best options for cheap truck insurance for several popular models.

Chevrolet Silverado

With multiple customizations and engine types, the Chevrolet Silverado is 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.

USAA is currently the cheapest insurer for the Silverado, according to Insurify data. But it’s available only to military members and their families.

Here, you can see how Silverado insurance options stack up from top insurers, including USAA and more.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$44	$93
GEICO	$51	$110
State Farm	$52	$111
Allstate	$58	$123
Progressive	$93	$143
American Family	$66	$144
Nationwide	$81	$170
Travelers	$86	$180
Farmers	$103	$219
Liberty Mutual	$163	$234

Ford F-Series

The Ford F-Series, a continuous consumer favorite, 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 $42.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$42	$88
GEICO	$48	$104
State Farm	$49	$105
Allstate	$55	$117
Progressive	$88	$136
American Family	$63	$136
Nationwide	$77	$162
Travelers	$82	$171
Farmers	$98	$207
Liberty Mutual	$154	$222

Ram 1500

USAA offers Ram 1500 liability insurance for $50 per month, on average. Rams help you save even more with the impressive fuel economy from its diesel engine.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$50	$103
GEICO	$57	$122
State Farm	$58	$123
Allstate	$64	$137
Progressive	$103	$159
American Family	$74	$160
Nationwide	$91	$190
Travelers	$96	$200
Farmers	$115	$244
Liberty Mutual	$181	$260

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 car insurance rates start at $44 through USAA.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$44	$92
GEICO	$51	$109
State Farm	$51	$109
Allstate	$57	$122
Progressive	$92	$141
American Family	$65	$142
Nationwide	$80	$168
Travelers	$85	$178
Farmers	$102	$216
Liberty Mutual	$161	$231

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 average monthly rates from several top insurers.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$45	$94
GEICO	$52	$111
State Farm	$53	$112
Allstate	$58	$124
Progressive	$94	$144
American Family	$67	$145
Nationwide	$82	$172
Travelers	$87	$182
Farmers	$104	$221
Liberty Mutual	$164	$236

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 as little as $43 per month if this is your kind of truck.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$43	$90
GEICO	$49	$106
State Farm	$50	$107
Allstate	$56	$119
Progressive	$90	$138
American Family	$64	$139
Nationwide	$79	$165
Travelers	$83	$174
Farmers	$100	$211
Liberty Mutual	$157	$226

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.

Here’s an overview of the cheapest insurance companies for the average Chevy Colorado driver.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$42	$87
GEICO	$48	$103
State Farm	$49	$104
Allstate	$54	$115
Progressive	$87	$134
American Family	$62	$135
Nationwide	$76	$160
Travelers	$81	$169
Farmers	$97	$205
Liberty Mutual	$153	$219

Nissan Frontier

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

The cheapest car insurance for a Frontier is from USAA, at $41 per month, on average.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$41	$86
GEICO	$48	$102
State Farm	$48	$103
Allstate	$54	$114
Progressive	$86	$133
American Family	$62	$134
Nationwide	$76	$158
Travelers	$80	$167
Farmers	$96	$203
Liberty Mutual	$151	$217

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 $49.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$49	$102
GEICO	$56	$121
State Farm	$57	$122
Allstate	$63	$135
Progressive	$102	$157
American Family	$73	$158
Nationwide	$90	$187
Travelers	$95	$198
Farmers	$113	$240
Liberty Mutual	$179	$257

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 powertrain 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 for a Ford Maverick averages just $49 per month from USAA.

Insurance Company	Average Liability Quote	Average Full-Coverage Quote
USAA	$49	$102
GEICO	$56	$121
State Farm	$57	$122
Allstate	$64	$136
Progressive	$102	$158
American Family	$73	$159
Nationwide	$90	$188
Travelers	$95	$198
Farmers	$114	$241
Liberty Mutual	$180	$258

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:

Compare rates. Before settling on one insurance company, compare car insurance rates from as many insurers as possible. 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.

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What does truck insurance cover?

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:

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.

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.

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.

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.

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.

Recent quotes for other Insurify users

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $71/mo for full coverage.

Liability Only

*Quotes generated for Insurify users within the last 10 days. Last updated on July 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Full Coverage

*Quotes generated for Insurify users within the last 10 days. Last updated on July 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Factors that affect your truck insurance rates

How you use your truck: Both cost and type of insurance vary widely depending on how you use your truck. For example, work trucks need specialized commercial auto insurance that tends to cost more. And if your truck is simply a third vehicle that you don’t drive often, insurance will likely be cheaper due to the lower annual mileage.
Truck size and weight: Bigger, heavy-duty trucks like the Ford F-350 and Ram 3500 can cause more damage in a collision. That could indirectly lead to more expensive liability rates. On the other hand, compact trucks like the Ford Maverick have average rates much closer to a standard car or SUV due to their light-duty, unibody designs.
Your truck’s age: Older trucks tend to have much lower insurance rates since they’re much less valuable than newer pickups.
Trim level and features: Higher-trim pickups often come with advanced safety features that can help lower insurance costs.

Do you need commercial truck insurance?

If you use your personal pickup truck for business purposes like carrying equipment for a fee, delivering goods, or driving between job sites, you’ll likely need commercial truck insurance. Personal auto policies generally don’t cover any kind of business use.

Commercial truck insurance typically costs more than a personal policy, but it provides the more robust financial protection that most companies, small business owners, and independent contractors need, including higher liability limits.

Here’s a simple comparison of personal and commercial truck insurance.

Coverage Factors	Personal Policy	Commercial Policy
Business use	X	✅
Cost	Lower	Higher
Liability limits	Standard	Higher

Cheap truck insurance FAQs

If you want 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.^[5] 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.
What’s the cheapest truck to insure?
The Ford Ranger is the cheapest truck to insure, according to Insurify data. Insurance costs for the model average $80 per month for liability-only policies and $151 monthly for full coverage.
Are pickup trucks cheaper to insure than SUVs?
Pickup trucks generally cost more to insure than SUVs. The overall average cost of pickup truck insurance is $137 monthly. By comparison, the overall average for SUVs is $107 per month.
Does using a truck for work increase insurance?
Yes. Using your pickup truck for work will increase your insurance costs because you’ll need to buy commercial coverage. Commercial truck insurance is usually more expensive than personal pickup truck insurance because many business uses are inherently risky and increase the miles you drive your pickup each year.

Sources

CarEdge. "Top 5 Best-Selling Cars, Trucks, and SUVs in America: The Ultimate Guide For 2022-2023."
Edmunds. "2023 Chevy Silverado 1500."
Kelley Blue Book. "2023 Ford F150."
Edmunds. "2023 Toyota Tacoma."
National Highway Traffic Safety Administration. "Traffic Safety Facts."

Methodology

Insurify data scientists analyzed more than 250 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 500+ 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.

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Written byKatie PowersLicensed P&C Agent, Senior Insurance Editor

Katie PowersLicensed P&C Agent, Senior Insurance Editor

Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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