Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 29, 2020

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Truck Insurance Summary
Insurance FactsDetailsFrom The Experts At...
Number of auto accidents in 20176,452,000nhtsa.gov
Percentage of uninsured drivers nationally in 201513%insurance-research.org
Average amount of uninsured/underinsured motorist coverage per policy$25,000/$50,000www.iii.org
Number of miles driven in the U.S. in 20163.22 trillionwww.npr.org
Maximum permitted length for a single trailer53 feetwww.iihs.org
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How much is truck insurance? In 2010, the average insurance cost, nationwide, for a Ford F-150 was about $208 a month, or $2,500 annually, for both liability and comprehensive coverage. As with any kind of auto insurance, it’s impossible to say how much your truck insurance will cost because there are a lot of factors that affect auto insurance rates.

Beyond that, there’s more than one kind of truck, such as a pickup truck, flatbed truck, semi-truck, etc., which means there is no single answer to the question, “How much is car insurance for trucks?” Knowing the factors that will impact your premium is one of the keys to getting the best truck insurance for your situation.

If you’re looking for truck auto insurance quotes, enter your ZIP code into our FREE tool above and compare truck car insurance rates now.

Does it cost more to insure a truck or car?

This really depends on the type of truck that you purchase, as well as the other factors listed above. If you buy a $40,000 car and a $20,000 truck, then, typically, your truck will be the less expensive product to insure. However, if you’re talking about commercial trucking, then you’ll probably pay more for your insurance than someone who has commercial insurance for cars.

We don’t have insurance rates specific to truck owners, but the table below includes the average rates for full coverage insurance by state.

Average Annual Full Coverage Auto Insurance Rates by State
States2015 Average Annual Rates2014 Average Annual Rates2013 Average Annual Rates
Idaho$679.89$673.13$650.57
Iowa$702.46$683.67$668.09
Maine$703.82$689.12$674.94
Wisconsin$737.18$716.83$689.77
Indiana$755.03$728.93$704.50
Vermont$764.02$746.79$734.82
South Dakota$766.91$744.28$717.30
North Dakota$773.30$768.09$743.27
Ohio$788.56$766.66$738.68
North Carolina$789.09$768.28$739.91
New Hampshire$818.75$795.50$773.30
Nebraska$831.02$805.99$773.64
Virginia$842.67$836.14$809.40
Wyoming$847.44$844.33$804.52
Kansas$862.93$850.79$815.82
Montana$863.52$868.55$842.74
Alabama$868.48$837.09$811.75
Tennessee$871.43$855.56$829.38
Missouri$872.43$845.39$819.79
Utah$872.93$852.66$820.92
Hawaii$873.28$858.16$844.16
Minnesota$875.49$856.62$823.70
Illinois$884.56$854.10$819.27
Oregon$904.83$894.10$856.26
Arkansas$906.34$900.18$868.13
New Mexico$937.59$920.42$888.83
Kentucky$938.51$917.49$904.99
Washington$968.80$952.10$914.04
Pennsylvania$970.51$950.42$930.48
Arizona$972.85$961.88$926.52
South Carolina$973.10$936.69$904.22
Colorado$981.64$939.52$887.57
California$986.75$951.75$922.69
Mississippi$994.05$957.59$925.13
Oklahoma$1,005.32$985.58$931.41
West Virginia$1,025.78$1,032.45$1,021.37
Alaska$1,027.75$1,050.09$1,058.15
Georgia$1,048.40$991.25$949.33
Nevada$1,103.05$1,083.42$1,047.74
Texas$1,109.66$1,066.20$1,017.81
Maryland$1,116.45$1,096.37$1,071.35
Massachusetts$1,129.29$1,107.76$1,080.48
Connecticut$1,151.07$1,132.78$1,109.03
Delaware$1,240.57$1,215.69$1,187.18
Florida$1,257.13$1,208.77$1,209.70
Rhode Island$1,303.50$1,257.40$1,210.55
District of Columbia$1,330.73$1,324.39$1,316.48
New York$1,360.66$1,327.82$1,301.49
Michigan$1,364.00$1,350.58$1,264.20
New Jersey$1,382.79$1,379.20$1,369.70
Louisiana$1,405.36$1,364.17$1,307.72
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Keep in mind that the rates above are for full coverage, so you may not need that much insurance. These rates are also averages, which means some people will pay much less and others will pay much more.

You need to compare rates from multiple companies to save money on auto insurance. You should do some rate comparisons before you buy a truck if you’re concerned about budget issues. Knowing ahead of time what your insurance costs will be is an excellent way to help you choose between the Toyota Tundra Insurance vs Chevy Silverado Insurance Chevy, for example.

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How much does it cost to insure a pickup truck?

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

  • Driving record – One factor is your personal driving record. This is also true for trucking companies that are hiring drivers; your driving record will directly affect the cost of your insurance.
  • Truck type – Another component is what kind of truck you are insuring. A personal vehicle will often be less expensive to insure than a commercial vehicle, 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 simply 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.

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
  • Gender
  • Marital status
  • Credit score
  • Education level
  • Year, make, and model of vehicle
  • State, city, and 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 and, according to the Insurance Information Institute, crash avoidance technologies, such as backup cameras and lane departure warning systems, which means buying old truck insurance might not be much cheaper than insuring a new vehicle. And of course, the question of “How much is truck insurance for a 19-year-old?” will vary greatly from the answer for someone in their 40s.

What is the cheapest pickup truck to insure?

While the price of insurance for each type of truck changes from year to year, here are the five cheapest trucks to insure as of 2019:

  1. 2019 Nissan Frontier S 2WD King Cab
  2. 2019 GMC Canyon SL 2WD 4 door
  3. 2019 Ford F-150 2WD
  4. 2019 Chevrolet Colorado 4 door 2 WD
  5. 2019 Toyota Tacoma SR 2WD 2 door

These trucks are all very close when it comes to insurance costs, ranging from $1,350 to $1,400 in average annual premiums. This is a very rough estimate, however, and doesn’t take into account any of the personal information that will impact your insurance premiums. A 17-year-old driver should expect to pay several times as much as a 35-year-old driver, no matter what truck they’re driving.

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What about 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 in 2019, but it didn’t make the list of the five most expensive trucks to insure either. When it comes to lowering the rates of the Dodge Ram 1500 Auto Insurance to be cheaper, the best bet is to take advantage of any available discounts and keep your driving record clean to make sure your rates stay low.

Here are some of the things that can garner you a discount on your auto insurance:

  • Being married
  • Being college-educated
  • Bundling your policies
  • Maintaining a good GPA (if you’re in high school or college)
  • Having good credit
  • Reducing driving time
  • Driving a safe vehicle

In addition, 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 a good 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.

Is insurance higher on diesel trucks?

Insurance is sometimes a little higher for diesel vehicles, but not because of the type of fuel they use. Diesel cars cost a little more than standard trucks, therefore they cost more to replace if they’re totaled and they cost more to repair if you have to fix any part of the fuel system. These factors make insurance for diesel trucks a little more expensive than non-diesel vehicles.

What is the difference between auto insurance, truck insurance, & commercial truck insurance?

When it comes to your personal vehicle, there’s no noticeable difference between auto insurance and truck insurance. 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 coverage is a completely different product, however. Commercial truck insurance is designed for vehicles that are 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 car 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. The insurance needs of personal and commercial vehicles, including repair costs and liability levels, are so vastly different that the two products really aren’t comparable.

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The Bottom Line: How much is truck insurance?

Just because you drive a truck doesn’t mean you can’t get cheap car insurance. If you do some research before making a purchase and keep your driving record clean you can find the best insurance for trucks. 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? Enter your ZIP code below and get your FREE truck insurance quotes in a matter of minutes.

Frequently Asked Questions: How much is truck insurance?

Below are some of the most frequently asked questions regarding personal truck insurance:

#1 – What is the best car insurance for trucks?

For the most part, all insurance companies are capable of offering excellent auto insurance for trucks. The most important part of choosing an insurance policy is choosing the right one for your needs, not your specific vehicle.

#2 – Do I need special car insurance for lifted trucks?

To answer this question, we need to be specific — are we talking about a lift truck or a lifted truck? A lift truck is a piece of warehouse equipment, often referred to as a forklift. Lift trucks will require commercial insurance because they are not personal vehicles. Auto insurance for lifted trucks, on on the other hand, is for pickup trucks that have a modified suspension to lift it much higher off the ground than a normal truck.

Any time you have a modification like this, you take a chance that you may need to find specialty insurance. When getting a quote for a policy, you’ll need to make sure you’re upfront about any vehicle modifications so that your quote is accurate. Not telling your insurance company about a modification like this may constitute insurance fraud, according to the FBI.

#3 – Is there car insurance for truck drivers in the UK?

Insurance companies in the UK absolutely offer insurance for trucks, but this article is specific to the needs of American drivers. You’ll need to reach out to your insurance company in the UK for specific information regarding your truck insurance needs.