Best Pickup Truck Insurance

Compare pickup truck insurance rates for top models and providers to find the best policy for your heavy-duty hauler.

Insurance for pickup trucks: basics and ways to save


No matter if you live in the backcountry or downtown, owning a truck is different than driving a sedan or SUV. They’re great for towing, tailgating, and begrudgingly helping your friends move. But trucks have one thing in common with other vehicles: they gotta be insured. The good news is that on average, trucks are the second cheapest vehicle type to insure, with an average annual premium of $1,541 in 2017. Still, saving anywhere is saving everywhere, so let’s explore the cheapest and most expensive trucks to insure by comparing rates across providers for top truck models.


Insuring your pickup truck
  1. Cheapest car insurance rates by company for pickup trucks
  2. Do you need additional insurance coverage for a pickup truck?
  3. How else can you save?
  4. Additional resources




Best cheap car insurance for pickup trucks by company


Because all pickup trucks are not created equal, we broke down car insurance quotes by top companies for popular makes and models. Reference the below list to compare pickup truck insurance rates for the model you're considering buying. Spoiler alert: the Nissan Frontier is the cheapest pickup to insure.





Chevrolet Colorado


With a towing capacity between 3,500 and 7,000 pounds, a Chevy Colorado has the cheapest list price and second cheapest car insurance premium among the surveyed pickups. The 2018 Chevy Colorado has a list price of $20,000 and an annual premium of $1,454. However, if you select Nationwide or Farmers, the average annual cost of insurance falls to $1,357 or $1,336, respectively.

Annual average Chevrolet Colorado insurance premiums

CompanyPremium
Allstate$1,540
Geico$1,448
Farmers$1,336
Liberty Mutual$1,467
Nationwide$1,357
Progressive$1,448
State Farm$1,611
USAA$1,543



Chevrolet Silverado


The next Chevy model we assessed, the Chevrolet Silverado, is a bigger truck with more towing capacity than the Colorado, which is reflected in both the list price and the cost to insure. The Silverado is in the middle to high-end of the surveyed pickup trucks, with a list price of $27,785 and annual cost to insure of $1,507. If you're looking to find the cheapest insurance rates for a Chevy Silverado, start your search with Farmers and Nationwide.

Annual average Chevrolet Silverado insurance costs

CompanyPremium
Allstate$1,586
Geico$1,502
Farmers$1,392
Liberty Mutual$1,506
Nationwide$1,396
Progressive$1,496
State Farm$1,688
USAA$1,601



Ford F-150


The Ford F-150 is a classic pickup truck. Although slightly less expensive to buy than the Silverado, it costs nearly $100 less per year to insure. In addition to the list price of $27,110, a Ford F-150 costs approximately $125 per month to insure. Policies from the F-150 cheapest insurance provider, Nationwide, drops to $109 per month for this vehicle.

Annual average Ford F-150 insurance costs

CompanyPremium
Allstate$1,490
Geico$1,414
Farmers$1,288
Liberty Mutual$1,420
Nationwide$1,307
Progressive$1,403
State Farm$1,569
USAA$1,505



GMC Canyon


We've selected two GMC trucks to examine, the Canyon and the Sierra, with the first being the Canyon. With an MSRP nearly $7,000 less than the Sierra, the Canyon has less horsepower and towing capacity, but costs slightly more to insure than the Sierra. As with the other pickup trucks surveyed, Nationwide is the cheapest insurance company for this make and model.

Annual average GMC Canyon insurance rates

CompanyPremium
Allstate$1,594
Geico$1,515
Farmers$1,394
Liberty Mutual$1,534
Nationwide$1,383
Progressive$1,501
State Farm$1,658
USAA$1,626



GMC Sierra


With a more powerful engine than the Canyon, the list price of the GMC Sierra is the third-highest among the trucks surveyed. Despite this, the Canyon boasts lower-than-average insurance costs. Insuring a GMC Sierra averages $1,504 annually, $752 on a standard 6-month policy, or $125 per month. Nationwide and Farmers offer the cheapest GMC Sierra insurance.

Annual GMC Sierra insurance rates

CompanyPremium
Allstate$1,589
Geico$1,496
Farmers$1,408
Liberty Mutual$1,505
Nationwide$1,396
Progressive$1,489
State Farm$1,658
USAA$1,584



Honda Ridgeline


Outside of its commercial work vehicle — the Honda Acty — the Honda Ridgeline is the only truck Honda manufactures — and it's a bit pricey. On the upper end for both a list price and premium, a Honda Ridgeline will set you back nearly $30,000 to buy and nearly $1,700 annually to insure. If you're looking to lower that premium, consider Farmers, offering a more reasonable average annual cost of $1,529.

Annual Honda Ridgeline insurance costs

CompanyPremium
Allstate$1,737
Geico$1,719
Farmers$1,529
Liberty Mutual$1,570
Nationwide$1,673
Progressive$1,673
State Farm$1,810
USAA$1,767



Nissan Frontier


The two Nissan pickups included in our analysis sit at the two ends of the pricing spectrum. With a list price of $18,390 and an annual cost to insure of $1,365, the Nissan Frontier is the least expensive vehicle to insure and to buy. On a monthly basis, insuring this pickup will set you back $114, with Farmers and Nationwide being the cheapest options.

Annual average Nissan Frontier insurance rates

CompanyPremium
Allstate$1,439
Geico$1,370
Farmers$1,226
Liberty Mutual$1,382
Nationwide$1,289
Progressive$1,364
State Farm$1,513
USAA$1,474



Nissan Titan


If you're looking for a Nissan with a little more towing capacity and horsepower, the Nissan Titan might be up your alley. But you'll have to be willing to pay a higher-than-average price for the additional power. The Titan is the most expensive truck to insure — at $1,761 annually — and has the second highest list price at $29,580. To keep your premium $141 below average, pick Nationwide.

Annual average Nissan Titan insurance costs

CompanyPremium
Allstate$1,827
Geico$1,785
Farmers$1,662
Liberty Mutual$1,805
Nationwide$1,620
Progressive$1,736
State Farm$1,915
USAA$1,835



Toyota Tacoma


Although the Toyota Tacoma has the second cheapest list price among top pickup models, it's one of the more expensive trucks to insure. The Tacoma costs $264 more per year to insure than does the cheapest pickup, the Frontier. Look to mitigate some of these costs by choosing Farmers or Nationwide.

Annual Toyota Tacoma insurance premiums

CompanyPremium
Allstate$1,710
Geico$1,620
Farmers$1,529
Liberty Mutual$1,626
Nationwide$1,506
Progressive$1,616
State Farm$1,787
USAA$1,734



Toyota Tundra


The last pickup truck we assessed, the Toyota Tundra, has the highest list value and third-highest insurance expense. Purchasing a Tundra will set you back $30,120 — 34% more than the cheapest new truck model, the Colorado. The Tundra's cost to insure is high as well, at nearly $1,600 per year.

Annual average Toyota Tundra insurance rates

CompanyPremium
Allstate$1,677
Geico$1,590
Farmers$1,501
Liberty Mutual$1,603
Nationwide$1,465
Progressive$1,578
State Farm$1,754
USAA$1,697


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Do you need additional insurance coverage for a pickup?


Auto insurance is designed to cover as many vehicle types as possible. However, some attributes of pickup trucks — and their common uses —  may call for additional insurance. Additional insurance is most often necessary if you use your truck to tow trailers or other vehicles.



Does auto insurance cover towing a trailer?

It depends. Let’s say you’re helping a friend move with a U-Haul rental or a similar trailer. Most insurance policies' liability coverage extends to cover bodily injury and property damage caused to someone else by your trailer. Physical coverage of the trailer, on the other hand, depends on the details of your policy. If you carry comprehensive and collision insurance, your trailer may be protected. But there's a chance your insurance only extends to cover a certain amount — for example, $500. So, if your trailer is more valuable than that, you might want to look into supplemental physical coverage for your trailer.

It's unlikely your auto insurance would extend to cover individual items you are towing, whether in the trailer or on their own. For instance, a boat or the belongings inside a U-Haul may not be covered by car insurance. While the trailer and hitch might be covered, the actual boat and belongings would not be.



Customized parts and equipment

If your truck has any particularly costly customizations, they could exceed the limitations of a basic auto insurance policy. In this case, look into coverage for customized parts and equipment to make sure your truck is fully protected. Common examples of these custom additions include:

  • Stereos, Wi-Fi equipment
  • Custom paint, murals, or decals
  • Suspension enhancers
  • Height-extending roofs



How else can you save?


No matter which company you select, you’re probably paying more for car insurance for your pickup truck than you’d prefer. Let’s break down some money-saving solutions.


Be smart with your claims

While the point of car insurance is to protect your investment, there are only a handful of situations in which you should file a claim. You should file a claim if the incident necessitates a comprehensive claim (something that occurred while not driving your vehicle), if you were hit by an uninsured motorist and have uninsured motorist coverage, or if the value of the damage greatly exceeds the premium increase that would be triggered by the claim. While the first two examples are pretty straightforward, the last one introduces some complexity. Here’s our guide to determining whether you should file a claim:

  • Get an estimate for the repairs at a local repair shop
  • Use our State of Insurance analysis to see how much an at-fault accident would raise your rates, given your location. You should consider the potential cost over a three-year period, as that’s how long most companies will elevate your rates after a claim.
  • Compare the rate increase plus your deductible to the out-of-pocket cost. Whichever option is cheaper, do that.

If you’ve damaged someone else’s vehicle, you have less flexibility in terms of whether or not to involve insurance companies. If the other driver does not want to be paid out of pocket for the damage, which is common, you don’t have a choice. .

While there is a considerable difference from state to state regarding rate increases for at-fault claims, below is the average across the US. An at-fault accident may raise your rates by more than $1,700 over a three-year period.


Average Rate Increase After at At-Fault Claim

Increase at 6 monthsIncrease at 12 monthsIncrease at 3 Years
+$291+$582+$1,746


Double check for discounts

Although most pickup truck discounts are quite small, they can add up. When looking for ways to save, consider the following discounts:

  • Multi-policy discount
  • Good driver discount
  • Paperless discount
  • Payment by bank account
  • Paid-in-full discount (paying your premium in one payment)
  • Multi-vehicle discount
  • Telematics


Shop around

It’s important to see understand how driver-specific car insurance is. The data we presented is reflective of one single user profile, which may or may not apply to you or anyone else on your driving profile. You should think of our data as a jumping off point before using our comparison app to receive quotes from top insurers based on your make, model, and personal profile. Just enter your zip code below to start.



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Additional information


Didn't find the information you need? Reference our additional car insurance resources for more ways to save.





Method to Our Madness: how we do it


Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

Finally, some rate data may vary slightly throughout report based on rounding.