Pickup Truck Auto Insurance Cost Guide: Best Coverage and Cheapest Prices

How to Get the Cheapest Pickup Truck Insurance Rate

Keep your driving record clean: If you have a clean driving record, you can get the best truck insurance rates. Paying in fewer installments can also lower your annual premium by up to 10%.
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Average Cost of Full-Size Pickup Truck Insurance

The full-size pickup truck category is relatively affordable, with large variations in insurance rates. Smaller, less expensive, and less powerful trucks tend to be the most affordable, while larger, more powerful trucks may cost more to insure.
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Best Pickup Trucks and SUVs to Insure

If you’re looking for a pickup truck, you need one, but you don’t want to pay a lot for insurance. Higher-end pickup trucks can cause your insurance rates to skyrocket. Fortunately, there are plenty of pickup trucks that come with low insurance costs. For example, pickup trucks tend to be less expensive than cars when it comes to insurance rates. This is especially true for light-duty pickup trucks such as the Honda Ridgeline.
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Cheapest Pickups and SUVs to Insure

Nissan Pathfinder

The Pathfinder is incredibly reliable and costs just $1,294 per year on average for truck insurance.

Ford Ranger

The Ford Ranger cost $1,254 per year and is one of the best small pickup trucks to insurance.

Toyota Tacoma

The Toyota Tacoma costs about $1,324 per year and is another great pickup truck to insurance due to its low repair cost and reliability.

Ford F-150

The Ford F-150 has been one of the best deals on truck insurance for many years coming in at just $1,322 per year to insure.

GMC Canyon

The GMC Canyon is a fantastic value at only $1,304 per year. It is also a solid, inexpensive choice overall in the pickup truck category.

More Great Pickups and SUVs

Subaru Forester

Subaru Forester is the least expensive small SUV.

Ford Edge

Ford Edge is the cheapest midsize SUV

Ford Expedition

The Ford Expedition is the most affordable large SUV to insure

Ford F-150

The Ford F-150 isn’t your typical grocery-getter. It’s not as fuel-efficient as a minivan, and it only gets 16 mpg in the 2000 model year. However, it’s reliable, powerful, and can haul almost anything.
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The Ford F-150 is not a luxury truck, but its low starting price and affordable repair costs make it a good choice for most drivers.
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Chevrolet Tahoe

The Tahoe received high marks for its safety ratings, which makes it a good choice for drivers looking for a vehicle that is not a target for theft or vandalism. It also has moderate prices on repairs.
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Compare Pickup Truck Insurance Coverages and Rates

Below are three tables that breakdown insurance coverages and rates for popular trucks and SUVs:

Pickup Truck or SUVComprehensiveCollisionLiabilityTotal
Nissan Frontier$294$500$420$1,394
Chevrolet Silverado 2500HD$362$688$420$1,650
GMC Sierra 3500HD$376$656$420$1,632
Chevrolet Silverado 3500HD$404$656$420$1,660
Ford Ranger$254$470$372$1,254
Toyota Tacoma$294$482$390$1,324
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Pickup Truck or SUVComprehensiveCollisionLiabilityTotal
Chevrolet Tahoe$336$532$372$1,398
Volkswagen Atlas$358$690$390$1,596
Toyota Highlander$332$512$390$1,392
Dodge Durango$348$562$372$1,440
Nissan Pathfinder$294$452$390$1,294
Lexus RX 350$358$660$440$1,638
Kia Telluride$376$688$316$1,516
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Pickup Truck or SUVComprehensiveCollisionLiabilityTotal
Ford F-150$322$470$372$1,322
GMC Sierra 2500HD$336$656$420$1,592
Honda Ridgeline$306$536$450$1,472
Chevrolet Silverado$322$562$420$1,484
Chevrolet Silverado 3500HD$404$656$420$1,660
GMC Sierra 3500HD$376$656$420$1,632
GMC Canyon$270$478$398$1,304
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Most Expensive Pickups and SUVs to Insure

Ram 2500 4WD V-8 costs $1,850 per year

Chevrolet Silverado 3500 HD costs $1,660 per year

Chevrolet Silverado 2500HD costs $1,650 per year
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Lexus RS 350 costs around $1,640 per year

Cheapest and Most Expensive Pickup Truck Insurance Companies

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Best Coverage Type for Pickup Trucks

If your truck, SUV, or SUV is a high-risk vehicle for theft, you may want to consider adding Comprehensive coverage to your policy.
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Best Coverage for Box Truck Insurance

In addition to primary liability and physical damage coverage, box trucks should also have motor truck cargo coverage to protect the goods themselves and non-trucking liability coverage, which covers the truck when it’s not on the road.
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Best Coverage for Rental Truck Insurance

The two most common insurance coverages you can purchase on a rental truck are supplemental liability insurance (SLI) and limited damage waiver (LDW).
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Avoid Expensive Pickup Truck Rates

It is against the law to ride in the cargo area of a pickup truck. Please note that insurance will not cover your claim if you have been in an accident while riding in the cargo area.

You will not be covered if the following applies:

  • people 12 and older if the truck is being moved on a non-interstate highway
  • parades moving less than 15 mph
  • emergencies if the child is with an adult in the cargo area
  • emergencies while moving on an interstate highway
  • agricultural activities or on city or county roads unless prohibited by local ordinance or resolution

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D.C. has restrictions on riding in the cargo area of a truck. This is not allowed except for employees on duty.
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If you’re in a pickup truck, it’s important to know that you can only ride in the cargo area if you’re an 18-year-old or older, or if you have a covered cargo area in a truck with covered cargo areas.
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