Best States for Pickup Truck Owners (2021)

The best states for pickup truck owners are places where trucks are a popular choice and auto insurance rates are low. The safest states for truck drivers are those where fatal crashes are less common and pickup truck occupants are less likely to be victims of a fatality. The Ford F-Series is the most popular vehicle in America and the best-selling truck in many states.

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel ...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 17, 2021

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Things to Remember

  • The Ford F-Series is the most popular vehicle in eight of the top 10 states for pickup truck owners
  • The best states for pickup truck owners have low fatal crash rates for pickup occupants
  • Many of the top states for pickup truck owners have a lot of farms and ranches

Pickup trucks are among the most popular vehicles in the U.S., with light-duty trucks topping the list of the most popular vehicle in multiple states. What are the best states for pickup truck owners? We pulled the list of the states where the pickup is the top pick and then ranked them.

We looked at the dangers of driving a pickup in each state using crash statistics and then compared them for which states have cheap auto insurance rates for trucks.

Read on for the list of states where more drivers choose a pickup than any other vehicle. Then see which of those states is the number one place to be one of those drivers.

The Best States for Driving a Pickup Truck

Although they were once viewed as vehicles for farmers and country singers, pickup trucks have come a long way. They’re among the most popular vehicles in the U.S., making up about half of the top 10 best-selling vehicles.

The Ford F-Series has been the most popular vehicle in America for more than four decades.

But there are some states where the pickup is even more popular than in others, and while there are certainly some places that fit that country image, the top states might surprise you.

What is the best place to live for truck drivers? Read on to learn which states are the best place to own and drive a pickup truck.

The Top 10 Best States for Pickup Truck Owners

All of these states have lower pickup insurance rates, low fatal crash numbers for pickup drivers, and list a pickup truck as the most popular vehicle on the road.

#10 – New Mexico

Average monthly insurance: $289
Fatal crashes involving pickups:67
Most popular truck:Ford F-Series

New Mexico is the first of many states on our list where the Ford F-Series reigns supreme. It’s the most popular vehicle overall in the state and the most common truck to earn the top spot.

Pickup truck-related fatalities make up only 16% of the overall number of fatal crashes in New Mexico, in spite of the fact that more drivers choose a truck here than any other vehicle. The average monthly New Mexico auto insurance rate comes in at less than $300.

#9 – Nebraska

Average monthly insurance: $284
Fatal crashes involving pickups: 40
Most popular truckFord F-Series

Get used to seeing the Ford F-Series on this list. It’s once again the best-selling vehicle in the state of Nebraska. Located in the heart of America’s farmland, it’s no surprise trucks are a top pick here.

The 40 fatal crashes involving pickup truck occupants in Nebraska make up 16% of the total. Overall, that makes driving a pickup fairly safe here. Nebraska auto insurance rates average $284 a month.

#8 – Kansas

Average monthly insurance: $283
Fatal crashes involving pickups:80
Most popular truck:Ford F-Series

Kansas, like Nebraska, is well known for miles of farmland, and with farms come trucks. Also like Nebraska, the Ford F-Series is the top pick of Kansas drivers.

The 90 fatal crashes involving pickup trucks in Kansas made up 19% of the total number of crashes in the state, still on the low side. When it comes to Kansas auto insurance, the average cost of insuring your truck here is a little lower still at $283 a month.

#7 – Missouri

Average monthly insurance: $278
Fatal crashes involving pickups:115
Most popular truck:Ford F-Series

Although there were 115 fatal crashes involving pickup truck occupants in Missouri, those crashes made up only 13% of the total. That means the state has a higher overall number of fatal crashes, but those in pickup trucks are less likely to be involved.

Ford vehicles top the list of the auto makes with the most fatal accidents, but it’s important to note that there are also a lot of Fords on the road.

Not surprisingly, the Ford F-Series once again lands in the top spot as the most popular truck (and most popular vehicle overall) in Missouri. And it may be cheaper to insure, as Missouri auto insurance rates average $278 a month.

#6 – Montana

Average monthly insurance:$268
Fatal crashes involving pickups:36
Most popular truck:Ford F-Series

Big Sky Country is an obvious location for truck lovers, with its miles of ranchland and mountains to the west. Montana drivers love their trucks, and no line of trucks is more beloved than the Ford F-Series.

The 36 pickup truck crash fatalities in the state make up 20% of the total. That’s a larger percentage than some other states, but also a lower number of overall fatal crashes. Shop around for Montana auto insurance to find rates even lower than the average for your truck.

#5 – Wyoming

Average monthly insurance: $250
Fatal crashes involving pickups:
26
Most popular truck:
Ford F-Series

Like its neighbor, Montana, Wyoming is a land of wide-open spaces and lots of ranches, which makes it a popular place for trucks. And like Montana, truck lovers in Wyoming love their Ford trucks, making the F-Series the top pick here.

The smaller population of Wyoming means a lower rate of fatal crashes due to fewer people on the road.

The 26 fatal crashes involving pickup trucks make up 18% of the total. Wyoming is a great place to own a pickup, with average Wyoming auto insurance rates at $250 a month.

#4 – Iowa

Average monthly insurance: $247
Fatal crashes involving pickups: 51
Most popular truck:Ford F-Series

A total of 51 fatal crashes involved pickup truck occupants in Iowa, but those make up only 15% of the total, making driving a truck a pretty safe bet here. That can help you to find lower Iowa auto insurance rates on your truck.

And if you’re driving a truck in Iowa, odds are pretty good it’s a Ford. Once again, the most popular vehicle overall in the state is the Ford F-Series. That’s not surprising given the fact that Iowa’s Midwest location is known for many miles of farmland.

#3 – Idaho

Average monthly insurance: $239
Fatal crashes involving pickups: 44
Most popular truck:Ford F-Series

Idaho lands at the number three spot on our list with an average monthly insurance rate of $239 a month and a love for the ever-popular Ford truck. Although it’s known for growing potatoes, Idaho doesn’t have quite the same farming reputation as some of the other states on our list, but still makes a pickup truck its favorite vehicle.

The 44 fatal crashes on record involving pickup truck passengers make up 20% of the total number. That makes your truck a safer bet on the road than most other types of vehicle. Safer vehicles earn lower Idaho auto insurance rates.

#2 – Maine

Average monthly insurance: $217
Fatal crashes involving pickups:19
Most popular truck:Chevrolet Silverado

It doesn’t have the country image of many of the other states on our list, but with an average monthly auto insurance rate of $217, Maine lands at the number two spot on our list of the best places to drive a truck. Maine auto insurance is affordable, and even a basic policy offers good coverage.

It also breaks the mold for the number one pick, with the Chevy Silverado earning Maine drivers’ vote of confidence as the most popular truck and vehicle overall. The Silverado has occupied the second-place spot in the list of the best-selling vehicles for most of the past few decades.

There were 19 fatal crashes involving a pickup passenger in Maine, and that low number makes up only 12% of the total.

#1 – Hawaii

Average monthly truck insurance:$213
Fatal crashes involving pickup:15
Most popular truck:Toyota Tacoma

Hawaii earns the top spot on our list of the best states to drive a pickup truck thanks to affordable insurance rates and a low crash rate. There were only 15 fatal crashes involving pickup truck occupants on the islands, making up 14% of the total. That makes Hawaii one of the safest states for truck drivers.

Like Maine, Hawaii steps away from the popular Ford to make the Toyota Tacoma the number one choice for drivers. And Hawaii auto insurance is the cheapest on our list at an average of $213 a month.

Full Results: All States Ranked for Pickup Truck Ownership

Below you can find your state on the map to find out if a truck is the most popular vehicle as well as how truck drivers fare in terms of crash statistics. You can also see what the average auto insurance rate is in each state. States in black are those where the most popular vehicle isn’t a truck.

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Not surprisingly, the states with a lot of farming and ranching tend to make pickup trucks the most popular vehicle on the road. It may surprise some that trucks aren’t the top pick in many Southern states, although the truck does take the number one position in Texas.

Ironically, a truck isn’t the most popular vehicle in California, even though that state has more trucks on the road than any other. Of course, California also has a very large population compared with other states, and Texas actually has more trucks per person than does California.

Frequently Asked Questions: Best States for Truck Drivers

Although pickup trucks are very different from commercial truck driving, we have answered some of the most common questions about the best states for truck drivers of all kinds here.

#1 – What states are best for trucking?

Texas, where the Ford F-Series ranks as the most popular pickup truck, is considered the best state for trucking. The best states for owner-operators, the best states for freight, and the best states for a dump truck business may be different.

#2 – What is the best state to start a trucking company?

A recent survey listed Tennessee as the best place to own a small trucking business. Surveys have also found that one of the best cities for truck drivers is also in Tennessee, with Nashville at number one.

#3 – What state pays the most for truck driving?

The best-paying state for truck drivers is North Dakota, where truck drivers make an average of $25.83 per hour.

Methodology: Ranking the States for Pickup Truck Ownership

To find the best places to live if you own a pickup truck, we first pulled a list of the most popular vehicle in each state courtesy of Kelley Blue Book. We moved all the states where the most popular vehicle is a truck to the top of the list.

From there, we looked at the fatal crash statistics from the National Highway Traffic Safety Administration (NHTSA) to see how many fatal crashes in each state involved occupants of pickup trucks.

Finally, we added the average cost of auto insurance in each state from Quadrant Data Solutions as the last rating factor to find the states where insuring your truck will cost less.

The Best (& Worst) States for Pickup Truck Owners
The Best (& Worst) States for Pickup Truck Owners