Cheapest Car Insurance for Trucks (2024)

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.

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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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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:

• 

  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.

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.

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