Best Auto Insurance for Trucks in 2024 (Find the Top 10 Companies Here!)

Progressive, Geico, and State Farm offer the best auto insurance for trucks, with affordable rates and valuable add-options.

While there are many factors that affect auto insurance rates, our research has found that Progressive has the best car insurance for trucks, especially if you can sign up for Snapshot.

Our Top 10 Company Picks: Best Auto Insurance for Trucks

While it’s our top choice, Progressive might not be the perfect fit for you. Explore the best truck insurance companies below, then enter your ZIP code into our free comparison tool above to find the best coverage possible.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#1 – Progressive: Top Pick Overall

Pros

• Snapshot: Get cheap full coverage truck insurance by taking advantage of Snapshot, Progressive’s usage-based insurance (UBI) program. Safe drivers can save up to 30% on their insurance by enrolling.
• Name Your Price Tool: Get coverage that matches your monthly budget by using the Name Your Price tool. This tool generates a list of coverage options within your budget so you can easily choose the best insurance for pickup trucks.
• Teen Driver Discounts: If you are a teen or need to add a teen to your policy, Progressive offers a variety of young driver discounts. Explore all 13 discount options in our Progressive auto insurance review.

Cons

• Unexpected Rate Increases: Progressive may offer cheap insurance quotes for trucks to start, but many customers report rate increases after their first policy renewal.
• Low Customer Loyalty: Progressive takes our top spot in a comprehensive truck insurance comparison, but it struggles with its customer loyalty ratings.

#2 – Geico: Best for Cheap Truck Insurance Quotes

Pros

• Government Employee Discounts: Geico offers 16 discounts, including its unique government employee discount. See all the ways Geico caters to government employees in our Geico auto insurance review.
• Low Rates: Geico truck insurance is usually the cheapest option, no matter what type of driver you are or what state you call home.
• DriveEasy: Geico’s UBI program DriveEasy offers savings of up to 25% to safe drivers.

Cons

• Limited Coverage Options: Most drivers assume Geico will have a huge selection of coverage options, but it actually lacks a few popular choices, like gap insurance.
• High Rates for High-Risk Drivers: Although it’s usually an affordable choice, Geico probably isn’t the cheapest pickup truck insurance option if you have speeding tickets, at-fault accidents, or a DUI.

#3 – State Farm: Best for High-Risk Drivers

Pros

• Drive Safe & Save: Lower your insurance rates by up to 30% by enrolling in the UBI program, Drive Safe & Save. Be aware that Drive Safe & Save is not available in every state, so you may not be eligible.
• Generous Discounts: State Farm has 13 generous discounts to help drivers find the cheapest truck insurance prices. See which you might qualify for in our State Farm auto insurance review.
• Low Rates After a DUI: State Farm is one of the few standard insurance companies that offer affordable rates after a driver is convicted of a DUI.

Cons

• Limited Online Tools: With a focus more on face-to-face interactions, State Farm doesn’t have the most robust or innovative online tools for policy management.
• High Rates for Bad Credit: State Farm is a good choice after a DUI, but drivers with low credit scores will find cheaper insurance on a truck elsewhere.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#4 – Allstate: Best for Usage-Based Savings

Pros

• UBI Programs: Allstate offers two UBI programs to help you find affordable truck insurance – Drivewise and Milewise. See which one would best serve your lifestyle in our Allstate auto insurance review.
• Policy Customization Options: When you need the best insurance for trucks, Allstate might be your best choice. It offers a variety of coverage options like roadside assistance and new truck replacement for the best coverage possible.
• Extensive Network of Agents: Allstate maintains a vast network of local agents to ensure its customers get help from a real person when they need it.

Cons

• Everyone pays higher rates. Whether you drive a compact sedan or the biggest lifted truck on the market, Allstate is almost always one of the most expensive insurance options.
• Mixed Reviews: It may be one of the largest insurance companies in the country, but Allstate is not without complaints. The most common complaint against Allstate is the speed of its claims process.

#5 – Farmers: Best Selection of Car Insurance Discounts

Pros

• Huge List of Discounts: With an impressive 23 discount options, Farmers makes it easy to find low-cost truck insurance. See how many discounts you qualify for in our Farmers auto insurance review.
• Signal App: Save up to 30% on your insurance with Farmers’ Signal app. The Signal app is a great way to get more affordable truck insurance for new drivers.
• Helpful Agents: Farmers has a reputation for friendly, knowledgeable representatives who are ready to help whenever you need them.

Cons

• No New Florida Policies: Farmers is one of my insurance companies restricting how many policies it sells in Florida. Today, you can no longer buy a new Farmers policy in Florida.
• Lacking Digital Tools: If you want to get pickup truck insurance online and manage your policy digitally, Farmers might not be the best choice for you. Its digital tools are not as strong as those of other insurance providers.

#6 – Nationwide: Best for Safe Drivers

Pros

• Vanishing Deductible: Have your deductible reduced by $100 for every year you remain a safe driver with the vanishing deductible plan. You can stack the savings up to five times.
• Safe Driver Savings: Nationwide offers 11 discounts, including savings for safe drivers. Earn this discount by remaining claims and violation-free for at least five years.
• SmartRide: Nationwide has one of the best UBI discounts for pickup truck insurance. Get up to 40% with SmartRide, or get pay-per-mile coverage with SmartMiles.

Cons

• Not Available Everywhere: Nationwide does not live up to its name – it’s only available in 47 states.
• Higher Premiums for Some: Nationwide’s average insurance cost for trucks is usually low, but some drivers pay higher rates. Get an idea of how much you might pay in our Nationwide auto insurance review.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#7 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• RightTrack: Signing up for RightTrack can save you up to 30% on your insurance, as long as you regularly practice safe driving habits when you get behind the wheel.
• Diverse Coverage Options: Liberty Mutual offers a variety of coverage options so you can get the best car insurance for truck drivers. Explore your insurance options in our Liberty Mutual auto insurance review.
• Solid Discount Opportunities: There are 17 ways to save when you shop at Liberty Mutual, including options like a homeowner discount and a discount for maintaining good grades.

Cons

• Claims Satisfaction Lacking: Liberty Mutual may have cheap insurance for trucks, but it often leaves customers unsatisfied when it comes to claims resolution.
• Higher Average Rates: Some drivers will find the cheapest truck insurance, but Liberty Mutual often has above-average rates.

#8 – USAA: Best for Military Families

Pros

• Affordability: You can get the cheapest pickup truck insurance with USAA. USAA almost always has the cheapest rates in every state.
• SafePilot: Save up to 30% on your USAA policy with SafePilot. SafePilot tracks behaviors like speeding, hard braking, and the time of day you drive.
• Military Coverage: USAA specializes in military coverage, offering things like special savings if you keep your insurance active while you’re deployed. Learn more about USAA’s military coverage in our USAA auto insurance review.

Cons

• Membership Requirements: You need to be a member to purchase USAA coverage, and only active or retired military members and their immediate families are eligible.
• No Gap Insurance: USAA has great coverage options, but it lacks a few popular choices like gap insurance.

#9 – American Family: Best for Costco Members

Pros

• Costco Policies: Costco members can save on their insurance by purchasing coverage through the warehouse. These policies are written by CONNECT, a subsidiary of American Family.
• KnowYourDrive: KnowYourDrive doesn’t have the biggest discount for UBI programs, but it still offers a respectable 20% off. See if KnowYourDrive is a good fit for your driving style in our American Family auto insurance review.
• Rideshare Insurance: American Family offers a variety of insurance options to personalize your policy. One of its most popular options is rideshare insurance for Lyft and Uber drivers.

Cons

• Older Drives Pay More: American Family has affordable pickup truck insurance costs, but older drivers usually see higher rates.
• Limited Digital Options: As a more traditional provider, you’ll need to speak with a representative to buy new truck insurance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#10 – Travelers: Best for Bundling Discounts

Pros

• IntelliDrive: IntelliDrive users can save up to 30% on their insurance by staying safe behind the wheel. See IntelliDrive’s driver requirements in our Travelers auto insurance review.
• Bundling Discounts: Travelers offers 15 discounts, one of which is savings for bundling home and auto insurance policies.
• Responsible Driver Plan: The Responsible Driver Plan combines minor traffic violations and accident forgiveness into one convenient package.

Cons

• No SR-22 Filing: If you need pickup truck insurance quotes that include SR-22 coverage, you’ll have to go to another company.
• Low Claims Satisfaction: Travelers has low average insurance for a truck, but customers often complain about the company’s claims process.

Truck Auto Insurance Rates

How much is auto insurance for a truck? That answer depends on what truck you’re trying to insure, what types of auto insurance coverage you want, and whether or not you have a clean driving record. Pickup truck insurance rates also depend on the make and model year of the vehicle. So how much does it cost to insure a truck?

Let’s look at the monthly average truck insurance price for our picks for the 10 best auto insurance companies for trucks.

Truck Auto Insurance Monthly Rates by Coverage Level & Provider

The cheapest trucks to insure are the Chevy Colorado, Ford Ranger, and Ford F-150. These monthly auto insurance rates are based on the latest model years of each automobile. Therefore, you probably save more than expected with a new truck.

Since these trucks are the most recent, they carry higher than average values, which means collision and comprehensive coverage is worth more than liability-only auto insurance.

Cheap pickup insurance depends on the company you’re with, your age, gender, location, available insurance discounts, and several other factors. Continue reading to learn more about why pickup trucks are cheaper than most automobiles when getting auto insurance.

Comparing the Cost of Truck Insurance vs. Standard Auto Insurance

You might be wondering “Are trucks cheaper to insure than cars?” Cars are generally cheaper to buy and cheaper to insure. The cost of insurance will vary drastically depending on the type of truck you purchase. There’s also a big difference between commercial and personal truck insurance. You’ll need to pay more for your commercial truck insurance than you would for a sedan.

The price can also depend on where you live, as the best states for pickup owners will have cheaper insurance rates than a state with high pickup insurance rates.

You need to evaluate auto insurance quotes from multiple companies to save money on auto insurance. You should make some rate comparisons before you buy a truck if you’re concerned about budget issues. Knowing what your insurance costs will be is an excellent way to help you choose between truck types.

Factors That Affect The Cost of Truck Insurance

There are several significant factors that will affect your auto insurance rates:

• Driving Record: One factor is your personal driving record. This is also true for trucking companies hiring drivers; your driving record will directly affect your insurance cost. Safe driver discounts are available with some insurers. (Read More: How Auto Insurance Companies Check Driving Records)
• Truck Type and Coverage Type: Another component is what kind of truck you are insuring. A personal vehicle will often be less expensive to insure than a commercial automobile, mainly because commercial vehicles tend to travel more, which increases the risk of an accident occurring.
• Truck Usage: If you’re talking about commercial insurance, then the type of goods you’re hauling will factor in as well. For example, a company whose trucks haul livestock will have lower insurance rates than a company whose trucks haul oil, gas, dynamite, etc.

This isn’t because they’re hauling dangerous items but also because commercial insurance usually covers the products being carried as well. Often the more dangerous items have a much higher dollar value than something more benign.

Read More: 8 Best Commercial Truck Insurance Companies

For your personal vehicle, the amount of driving you do will affect your rates, as well. Someone who drives to and from work 25 miles a day will pay less than someone who drives 120 miles a day. Other factors the insurance company will consider are:

• Age of driver
• Gender of driver
• Marital status
• Credit score
• Education level
• Make and model of vehicle
• State
• ZIP code

There are dozens of factors insurance companies will take into consideration when determining your rates. For example, newer trucks come with better safety features. Crash avoidance technologies, such as backup cameras and lane departure warning systems, may retire old truck insurance, which is more expensive today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

The Cheapest Pickup Trucks to Insure

While the price of insurance coverage for each type of truck changes from year to year, here are the five cheapest trucks to insure:

• Nissan Frontier S 2WD King Cab
• GMC Canyon SL 2WD 4 door.
• Ford F-150 2WD
• Chevrolet Colorado 4 door 2 WD
• Toyota Tacoma SR 2WD 2 door

These trucks are all very close in insurance costs, ranging from $1,350 to $1,400 in average annual premiums for standard insurance. At this range, your average truck insurance cost per month would be quite affordable.

However, this is a very rough estimate and doesn’t take into account any of the personal information that will impact your insurance premiums. For example, even the best auto insurance companies for teens charge several times more for young drivers than they do for 40-year-olds with driving experience.

Cost of Dodge Ram Insurance

How much does Dodge Ram 1500 insurance cost? The Dodge Ram didn’t make the list of the five cheapest trucks to insure, but it didn’t make the five most expensive trucks to insure either.

Thinking🤔 about buying a Dodge? When weighing the pros and cons, remember to compare insurance quotes before you buy. https://t.co/27f1xf131D has researched and compiled a guide🔢 with tips to save 💰on car insurance for Dodge owners. Check it out here👉: https://t.co/6sjRF0le9P pic.twitter.com/6hxHKRwHmA

— AutoInsurance.org (@AutoInsurance) October 23, 2023

When it comes to lowering the cost of Dodge Ram 1500 auto insurance, take advantage of any available discounts and keep your driving record clean.

Check out the discounts truck owners might qualify for from our top truck insurance companies.

Also, a common way to save money on your premiums is by choosing a higher deductible option. Just make this move consciously. If you can’t afford a $1,000 deductible, it isn’t the right choice for you. Even if there are some good savings, if you can’t pay that amount out of pocket, those monthly savings won’t do you any good.

Comparing Auto, Truck, and Commercial Truck Insurance

There’s no noticeable difference between auto insurance and truck insurance when it comes to your personal vehicle. You’ll have access to the same coverages, the same deductibles, and the same policies, whether you’re driving a Toyota Corolla or a Dodge Ram 1500. Insurance costs will be different, but the policy basics don’t change from vehicle to vehicle.

Commercial auto insurance is an entirely different product, however. Commercial truck insurance is designed for owned by a corporation or otherwise intended for business purposes. Some examples of these policies are:

• Auto insurance for lifted trucks
• Auto insurance for garbage trucks
• Auto insurance for tow trucks

You wouldn’t buy the same auto insurance for pickup trucks that you would for a corporate fleet of dump trucks because they have two completely different purposes. The answer to “How much is truck insurance for a semi?” will not resemble the price for your pickup truck.

You’ll also need to request a commercial auto insurance quote in a different section than you would if you were buying a personal policy.

The insurance needs of personal and commercial vehicles, including repair costs and liability levels, are vastly different from the two products that aren’t comparable.

Find the Best Auto Insurance for Trucks Today

Just because you drive a truck doesn’t mean you can’t get cheap auto insurance. If you research the cheapest auto insurance companies before making a purchase and keep your driving record clean, you can find trucks’ best insurance. Now that we’ve discussed all of the keys to getting the best truck insurance, you should be ready to roll.

How much is truck insurance per month? We can help you to find low-cost auto insurance for trucks right here. Enter your ZIP code below and find quotes for affordable auto insurance for trucks in a matter of minutes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption