Key Takeaways
- Nationwide is our pick for best pickup truck insurance in 2024, due primarily to the provider’s consistently low rates and strong coverage offerings for pickups.
- Based on our research, the average cost of car insurance for pickup trucks is $203 per month for a full-coverage policy.
- In general, the larger and more valuable a truck is, the more it costs to insure.
Pickup trucks are some of the most common vehicles on American roads. According to Kelley Blue Book (KBB), the Ford F-Series trucks and the Chevrolet Silverado are the number one and number two top-selling vehicles in the U.S. in 2024 so far. However, insuring these vehicles typically costs more on average than standard cars.
We at the MarketWatch Guides team created the following guide to help drivers find the best car insurance rates and companies for your truck. You’ll find cost estimates for popular makes and models, along with other information you need to make an educated decision about your policy and provider.
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Pickup Truck Insurance Overview
Shopping for and buying auto coverage for a pickup truck isn’t any different in practice from getting a policy for other types of vehicles. However, there are a few considerations specific to pickup insurance — such as higher average costs — that can help you find the best option for you and your truck.
Pickup Truck Insurance: Types of Coverage
You don’t need special coverage for a pickup truck. Insurers offer the same types of coverage for pickups as they do for sedans, vans, SUVs and other common passenger vehicles. The main types of coverage include:
- Property damage (PD) liability coverage: Covers damage to other vehicles and personal property in an accident you’re deemed responsible for.
- Bodily injury (BI) liability coverage: Covers the cost of medical care and lost wages for other parties involved in an accident for which you are ruled at fault.
- Uninsured motorist/underinsured motorist (UM/UIM) coverage: Covers costs related to an accident in which the at-fault driver lacks sufficient coverage to do so.
- Personal injury protection (PIP): Covers medical expenses and lost wages for members of your party resulting from a covered accident, no matter who is at fault.
- Medical payments (MedPay): Covers only medical expenses for people in your party resulting from an accident regardless of who is responsible.
- Comprehensive coverage: Covers damage to your vehicle from sources other than an accident, such as weather, fire, theft or vandalism.
- Collision coverage: Covers damage to your vehicle resulting from an accident, regardless of who is ruled at fault.
Minimum Liability vs. Full-Coverage Pickup Truck Insurance
Every state (except New Hampshire) requires drivers to carry car insurance that meets its established minimum coverage requirements. These requirements usually include both PD and BI liability coverage, and often include UM/UIM coverage. Some states require either PIP or MedPay coverage as well.
The term “full coverage” refers to policies that include comprehensive and collision coverage in addition to required liability coverages. Full-coverage policies insure the vehicle against nearly any source of damage, which is why insurance experts tend to recommend them to most car owners. It’s also why many lenders require full-coverage insurance for pickup trucks and other vehicles they finance.
Additional Coverage for Pickup Trucks
You can also buy coverage add-ons from insurers that can cover other aspects of car ownership. Optional coverages such as roadside assistance, rental car reimbursem*nt and trip interruption can be especially useful for pickup truck owners who take their vehicles off road or use them for work.
Note that many standard policies do not cover modifications or accessories installed on your vehicle, including popular items for pickups like roof racks or upgraded suspension components. However, some providers offer coverage for accessory equipment, or may cover it at an additional cost.
Pickup Truck Insurance Cost
The national average cost of a full-coverage car insurance policy is $203 per month, or $2,439 per year. This average is based on our standard driver profile of a 35-year-old driver with good credit and a clean driving record. You can expect rates for your pickup to be a little higher on average than what your neighbor pays to cover their sedan.
Best Pickup Truck Insurance Companies
We averaged the rate estimates from top providers for several models of pickups to see which insurers offer the lowest premiums for the category. Nationwide has the lowest rates on average, at $133 per month, or $1,595 per year for full-coverage pickup truck insurance. See more average rates and providers in the table below.
| Car Insurance Company | Average Monthly Full-Coverage Rate for Pickup Trucks | Average Annual Full-Coverage Rate for Pickup Trucks |
|---|---|---|
| USAA | $140 | $1,678 |
| Country Financial | $151 | $1,812 |
| Nationwide | $152 | $1,822 |
| Travelers | $153 | $1,838 |
| Geico | $163 | $1,953 |
| Erie Insurance | $167 | $2,006 |
| Progressive | $186 | $2,235 |
| State Farm | $200 | $2,395 |
| American Family | $204 | $2,446 |
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Average Cost of Pickup Truck Insurance in Each State
The average car insurance premium varies from one state to the next due to differences in regulations and the presence and severity of risk factors. We used our rate estimate data from Quadrant Information Services to find the average cost of full coverage for pickup trucks in each state. You can use the map below to learn the average monthly premium for pickup truck insurance in your state and others.
We’ve also listed these state averages in table format for easy viewing. Expand the section below to see the average cost of a full-coverage pickup truck insurance in each state.
| State | Average Monthly Full-Coverage Rate for Pickup Truck Insurance | Average Annual Full-Coverage Rate for Pickup Truck Insurance |
|---|---|---|
| Alabama | $153 | $1,837 |
| Alaska | $169 | $2,033 |
| Arizona | $242 | $2,899 |
| Arkansas | $189 | $2,271 |
| California | $239 | $2,867 |
| Colorado | $207 | $2,480 |
| Connecticut | $243 | $2,912 |
| Delaware | $249 | $2,991 |
| Florida | $302 | $3,623 |
| Georgia | $211 | $2,527 |
| Hawaii | $116 | $1,393 |
| Idaho | $116 | $1,389 |
| Illinois | $212 | $2,538 |
| Indiana | $162 | $1,949 |
| Iowa | $148 | $1,779 |
| Kansas | $202 | $2,430 |
| Kentucky | $214 | $2,564 |
| Louisiana | $388 | $4,655 |
| Maine | $109 | $1,302 |
| Maryland | $214 | $2,565 |
| Massachusetts | $193 | $2,319 |
| Michigan | $373 | $4,473 |
| Minnesota | $178 | $2,142 |
| Mississippi | $162 | $1,947 |
| Missouri | $196 | $2,347 |
| Montana | $186 | $2,237 |
| Nebraska | $168 | $2,012 |
| Nevada | $309 | $3,704 |
| New Hampshire | $127 | $1,528 |
| New Jersey | $246 | $2,958 |
| New Mexico | $196 | $2,355 |
| New York | $411 | $4,927 |
| North Carolina | $161 | $1,936 |
| North Dakota | $156 | $1,877 |
| Ohio | $131 | $1,573 |
| Oklahoma | $214 | $2,570 |
| Oregon | $178 | $2,137 |
| Pennsylvania | $322 | $3,860 |
| Rhode Island | $225 | $2,696 |
| South Carolina | $177 | $2,119 |
| South Dakota | $185 | $2,216 |
| Tennessee | $180 | $2,163 |
| Texas | $237 | $2,842 |
| Utah | $205 | $2,456 |
| Vermont | $106 | $1,266 |
| Virginia | $155 | $1,854 |
| Washington | $160 | $1,916 |
| Washington, D.C. | $201 | $2,414 |
| West Virginia | $172 | $2,061 |
| Wisconsin | $160 | $1,924 |
| Wyoming | $143 | $1,721 |
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Cost of Pickup Truck Insurance by Make and Model
In the table below, we’ve listed 2024 full-coverage rate estimates for some of the most popular pickup truck makes and models from some of the country’s top providers. Use the tabs to navigate between models to see the best pickup truck insurance rates and providers for each one.
Ford F-150
| Car Insurance Company | 2021 Ford F150 |
|---|---|
| USAA | $1,677 |
| Nationwide | $1,595 |
| Travelers | $1,806 |
| Country Financial | $1,771 |
| Geico | $1,877 |
| Erie Insurance | $1,808 |
| Progressive | $2,280 |
| State Farm | $2,495 |
| American Family | $2,309 |
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Chevrolet Silverado
| Car Insurance Company | 2021 Chevrolet Silverado |
|---|---|
| USAA | $1,711 |
| Country Financial | $1,801 |
| Travelers | $1,820 |
| Erie Insurance | $2,067 |
| Nationwide | $2,077 |
| Geico | $2,164 |
| Progressive | $2,320 |
| American Family | $2,386 |
| State Farm | $2,510 |
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GMC Sierra
| Car Insurance Company | 2021 GMC Sierra |
|---|---|
| USAA | $1,762 |
| Country Financial | $1,791 |
| Travelers | $1,809 |
| Nationwide | $2,091 |
| Erie Insurance | $2,101 |
| Geico | $2,174 |
| Progressive | $2,340 |
| State Farm | $2,354 |
| American Family | $2,395 |
Honda Ridgeline
| Car Insurance Company | 2021 Honda Ridgeline |
|---|---|
| USAA | $1,591 |
| Nationwide | $1,647 |
| Country Financial | $1,775 |
| Travelers | $1,815 |
| Geico | $1,845 |
| Erie Insurance | $2,218 |
| Progressive | $2,236 |
| State Farm | $2,257 |
| American Family | $2,485 |
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Nissan Frontier
| Car Insurance Company | 2021 Nissan Frontier |
|---|---|
| Nationwide | $1,683 |
| USAA | $1,687 |
| Travelers | $1,734 |
| Country Financial | $1,765 |
| Erie Insurance | $1,893 |
| Geico | $1,970 |
| Progressive | $2,170 |
| State Farm | $2,391 |
| American Family | $2,429 |
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Toyota Tacoma
| Car Insurance Company | 2021 Toyota Tacoma |
|---|---|
| USAA | $1,578 |
| Nationwide | $1,741 |
| Geico | $1,860 |
| Travelers | $1,878 |
| Country Financial | $1,879 |
| Erie Insurance | $2,195 |
| Progressive | $2,310 |
| State Farm | $2,363 |
| American Family | $2,574 |
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Chevy Silverado EV
| Car Insurance Company | 2024 Chevy Silverado EV |
|---|---|
| USAA | $1,754 |
| Travelers | $1,876 |
| Nationwide | $1,954 |
| Country Financial | $1,956 |
| Erie Insurance | $2,129 |
| Geico | $2,411 |
| American Family | $2,570 |
| Progressive | $2,626 |
| State Farm | $2,670 |
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Factors That Affect Pickup Truck Insurance Costs
Along with the type of vehicle you drive, there are several personalized factors auto insurers weigh when setting insurance coverage rates. These are some of the key metrics that determine how much you pay to protect your truck:
- Location: Where you live plays a significant role in how much you pay for auto coverage. Population density and the number of claims filed in a particular location are important factors.
- Driving record: If you have a clean driving history, you’ll pay lower insurance premiums.
- Credit history: In most states, your credit score is used to show an insurer how financially responsible you are.
- Gender: In general, male drivers receive higher auto insurance quotes than female drivers.
- Marital status: Married motorists tend to pay lower rates on average than single drivers.
- Age: Teen drivers and young adults pay significantly higher insurance rates than those 30 years of age and older.
The Bottom Line: Best Pickup Truck Insurance
Insurance rates for pickup trucks are only slightly higher than the national average. However, the size and type of truck will affect the price you pay for coverage.
The rate estimates we provided in the tables above can help give you a better idea of what coverage might cost for your truck. But you won’t know the actual premiums available to you until you get real quotes from providers. As with any other type of vehicle, the way to find the cheapest pickup truck insurance rates is to compare quotes from multiple providers. You can enter your ZIP code in the tool below and follow the instructions to start getting quotes for your pickup in just a few minutes.
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Recommended Providers for Pickup Truck Insurance
The providers listed below have a combination of great rates and coverage for pickup trucks according to our annual industry review. Learn more about each provider below.
USAA: Best for Military Members
Not only does USAA offer affordable car insurance rates for pickup truck owners — it also ranked fourth place overall in our 134-provider industry review for its industry reputation, availability, coverage, cost and customer experience. USAA only offers coverage to military members, veterans and their families, so if you’re a part of the group, we recommend getting car insurance quotes from USAA.
Read more: USAA Insurance Review
Country Financial: Low Rates for Pickup Truck Owners
Country Financial isn’t as large as USAA or Nationwide and it only offers its insurance products in 19 states, but it offers some of the most affordable pickup truck insurance coverage available, according to our research. And despite being a midsized provider, it ranked in the top 20 of our industry review. If you live in Country Financial’s coverage area, you may consider reaching out for a quote.
Nationwide: Best for Usage-Based Insurance
Nationwide is the tenth-largest car insurance provider in the U.S., according to the National Association of Insurance Commissioners (NAIC), and it offers affordable coverage for owners of pickup trucks. We also gave it our Best for Usage-Based Insurance award due to its highly rated telematics programs.
Read more: Nationwide Insurance Review
Best Pickup Truck Insurance: FAQ
Below are frequently asked questions about the best pickup truck insurance.
Nationwide, USAA, and Country Financial have the best insurance rate estimates for trucks on average, based on our 2024 data. However, you may find better rates for your truck elsewhere. In addition, USAA coverage is only available to active-duty and retired military personnel and select family members.
Yes, insurance for pickup trucks is usually more expensive than what you’d pay to insure a sedan. As with any vehicle, though, the cost of insurance depends on factors like the features and overall value of the truck. Larger, more expensive trucks with premium accessories and powerful engines come with higher coverage rates on average.
In general, yes. Four-wheel-drive systems can lead to more expensive repair costs, and they’re typically powered by larger engines. That adds up to higher car insurance rates on average.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at [email protected].
