The Cheapest Truck Insurance Companies of 2026
USAA has the cheapest average truck insurance premiums, at $73 per month.
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Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Edited byNick Versaw
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Nick VersawSenior Managing Editor
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byMacK Korris
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MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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In This Article
Truck insurance is a policy for personal-use pickup trucks, like Ford F-Series, Chevy Silverado, Ram 1500, and Toyota Tacoma models.
Coverage runs about $155 per month, on average. That’s around 6% less than the average for all vehicles, according to our data. But rates vary depending on the driver and coverage.
Keep reading to find out the best insurance companies for cheap truck insurance, average premiums for popular truck models, and practical ways to pay less, such as comparing quotes.
Key Takeaways
Your vehicle’s make and model play a big role in pricing, with differences of 34% or more between models.
Comparison shopping and asking about discounts (especially bundling) are quick ways to lower your truck insurance premiums.
If you use your pickup for business (not just commuting), you may need commercial auto insurance instead of a personal truck insurance policy.
The Cheapest Truck Insurance Companies
Each insurer has its own pricing formula for determining truck insurance rates. One might care more about past claims, while another might care about where you live or the kind of vehicle you drive.[1]
Here are the cheapest insurance companies for truck drivers, according to Compare.com data:
Company  | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $78 |
| Erie | $95 |
| Allstate | $104 |
| Safeco | $107 |
| GEICO | $110 |
| American Family | $111 |
| Root | $115 |
| Direct Auto | $120 |
| Mercury | $123 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
USAA and State Farm have average monthly premiums that are well below those of the other companies in this list. Your quote can look different based on your driving record, location, mileage, and truck details.
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How Much Does Truck Insurance Cost?
Vehicle Type | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Trucks | $108 | $200 | $155 |
| All vehicles | $116 | $215 | $166 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Truck drivers pay an average of $155 per month for a policy. Your car insurance costs depend a lot on the coverage you choose.[2] Liability-only insurance typically costs $108 per month. Full coverage, which helps pay for damage to your own truck, generally costs about $200 per month.
A few big factors push your rate up or down, including your age, driving record, where you live, how much you drive, your prior claims, and the vehicle you insure.
Let’s look at how those differences show up across common truck models.
Average Costs to Insure Popular Trucks
Repair costs and vehicle value often change from one pickup to the next. That’s why truck insurance costs can shift a lot by make, model, trim level, and the vehicle’s year.
The table below shows average monthly premiums for popular trucks, along with the cheapest insurer and its average quote.
Truck Model | Average Monthly Premium | Cheapest Insurer | Cheapest Monthly Premium |
|---|---|---|---|
| Honda Ridgeline | $125 | USAA | $62 |
| Ford Ranger | $150 | USAA | $65 |
| GMC Canyon | $134 | USAA | $67 |
| Hyundai Santa Cruz | $141 | USAA | $70 |
| Chevrolet Colorado | $137 | USAA | $71 |
| Chevy Silverado | $145 | USAA | $75 |
| Toyota Tundra | $149 | USAA | $75 |
| Ford F-Series | $147 | USAA | $76 |
| Ford Maverick | $152 | USAA | $76 |
| Toyota Tacoma | $146 | USAA | $76 |
| GMC Sierra | $148 | USAA | $77 |
| Ram 1500 | $167 | USAA | $88 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Honda Ridgeline tops the list of the cheapest truck insurance, with an average monthly cost of $125. The Ram 1500 has the highest average monthly cost, at $167. Higher-priced trucks can cost more to repair or replace, and that can increase your insurance costs when you add coverages like collision and comprehensive.[3]
Next, let’s look at some of the best insurance companies for trucks.
The Best Truck Insurance Companies
No single insurance company is “best” across the board. The best insurance company for you depends on your unique needs and what you value most: the lowest quote, the most available discounts, or a smoother claims experience when accidents happen.
That said, the three companies below stand out for having an excellent balance of cost, discounts, and customer satisfaction.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
4.2
Best choiceBased on 147 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviews - See all 68 USAA reviews
Robin
Verified Review
Good Service
Reviewed in Florida on February 21, 2026
Fair price.
Catherine
Verified Review
Top Drawer
Reviewed in Georgia on February 15, 2026
Very good. Reliable. Comprehensive.
Louis
Verified Review
Bait and Switch Pricing
Reviewed in Georgia on January 26, 2026
Prices rise after initial purchase even though there have been no claims or violations.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA tops our list for best truck insurance because it offers the cheapest truck insurance rates. If you’re eligible for a USAA policy, you can also save by enrolling in SafePilot. The company offers a 10% discount for signing up and up to 30% at renewal.
USAA insurance comes with perks, too, like savings on flights, gym memberships, home security, theme parks, and sports and concert tickets.
Pros
Cheapest truck insurance rates
Military-specific coverages
Excellent claims handling rating
Cons
No local branches
Available only to military members and family
Fewer discounts than some competitors
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $153/mo |
4.9
Best choiceBased on 21 verified guest reviews and ratings
How drivers feel about American Family
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about American Family
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
AI-generated from the text of verified reviews collected by Compare.com
Best For
Showing recent national reviews - See all 11 American Family reviews
Elmer
Verified Review
Bait and switch when time to renew after a year.
Reviewed in Nevada on December 21, 2025
It started out with a good price and policy coverage, but when it was time to renew a year later, despite having no tickets or accidents, the price went up by $150.00. It was not right and became unaffordable after that.
Wendy
Verified Review
AmFam EXPENSIVE
Reviewed in Minnesota on May 2, 2025
I wouldn't recommend AmFam to any of my friends. My full coverage jumped from $220 to $277 after dropping a car. Way too expensive for full coverage on a 2019 Ford sedan!
Cindy
Verified Review
Happy, but Looking for a Better Price
Reviewed in Colorado on February 23, 2025
I have been happy with them, but I am looking for a better price on the policy.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
American Family is an excellent choice for pickup drivers who want truck and home insurance from the same company. Bundling home and auto insurance can save you up to 40%. Plus, you can also get savings based on vehicle safety features, good grades, and enrolling in auto pay or paperless billing.
Pros
Above-average claims satisfaction rating
Safe driving rewards from DriveMyWay
Many available discounts
Cons
Above-average claims satisfaction rating
Safe driving rewards from DriveMyWay
Many available discounts
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $123/mo |
4.3
Best choiceBased on 19 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Erie Insurance
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviews - See all 9 Erie Insurance reviews
Enrique
Verified Review
Disappointed
Reviewed in Virginia on May 26, 2025
I had to chase them for weeks to follow up on a claim. My case was switched from one agent to another several times. Even though the claim was for a no-fault accident and the party at fault had full coverage, they increased my premium by 200%.
Eric
Verified Review
Average
Reviewed in Pennsylvania on February 27, 2025
This is a great insurance company! However, be aware that if you have an accident, your rates will double. They offer a rate lock, which is a fantastic option, but they don't disclose that if you purchase a new vehicle or change your policy, the rate lock becomes void and they update your rate. In my case, it more than doubled.
Maria
Verified Review
Excellent but Expensive
Reviewed in Maryland on February 12, 2025
I have been with Erie for auto and home insurance for over 45 years. They provide excellent coverage and respond quickly to claims. However, I am now facing a 24% increase in my rate.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Erie offers affordable premiums, but the company also stands out for its customer satisfaction. The company took the top spot in the J.D. Power U.S. Auto Claims Satisfaction Study. It also ranks highest for purchase experience in the J.D. Power U.S. Insurance Shopping Study. Plus, Erie’s Rate Lock limits rate increases, even if you file a claim.
Pros
Accident forgiveness available
Bundling discounts
Many available add-ons
Cons
Available in only 12 states
Policy changes can override Rate Lock
Fewer available discounts
What Truck Insurance Covers
)
Truck insurance includes the same core coverages as for any other personal vehicle. Here are some common truck coverage types you can pick from:[4]
Bodily injury liability: Pays for injuries to other people if you cause an accident
Property damage liability: Pays for physical damage you cause to someone else’s property, like their car or a fence
Medical payments or personal injury protection: Helps cover injury-related expenses for you and your passengers
Uninsured/underinsured motorist: Helps if a driver with little or no insurance hits you
Collision: Pays to repair or replace your truck after a crash
Comprehensive: Pays for theft, fire, or weather damage
Most states have minimum liability coverage requirements, but collision and comprehensive coverage are optional unless your lender requires them.
To choose a policy, consider liability coverage limits high enough to protect yourself financially. Then consider collision and comprehensive coverage if paying to replace or repair your truck out of pocket would strain your budget.
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How to Get Cheaper Truck Insurance
)
You can’t control every pricing factor. But you can do several things to lower your truck insurance costs:
Bundle your policies. Some insurers offer significant savings when you bundle auto with homeowners insurance or renters insurance.
Ask for every discount you qualify for. Discounts vary by insurer and state, so ask your insurance agent about which discounts you qualify for.
Raise your deductible. Increasing your deductible can lower your monthly premiums. Just make sure you’re comfortable paying the higher deductible amount if you need to file a claim.
Match coverage to your truck insurance needs. If your truck’s value has dropped, consider whether optional coverages make sense.
Compare truck insurance quotes. Check prices from multiple companies to find the best deal.
Cheap Truck Insurance FAQs
If you’re shopping for a personal truck insurance policy, check out the additional information below as you research your coverage options.
Which company has the cheapest truck insurance?
USAA has the cheapest truck insurance, at $73 per month, according to Compare.com data. If you aren’t eligible for coverage from USAA, State Farm also has competitive rates, at an average of $78 per month.
How much does truck insurance cost per month?
Truck drivers pay an average of $155 per month. Your exact price depends on your location, driving history, how much you drive, and your vehicle type.
How can you lower your truck insurance?
Comparing quotes from multiple auto insurance companies is often the quickest way to get cheaper premiums. Asking about discounts, bundling insurance policies, increasing your deductible, and improving your driving record can also help lower your rates.
How much does commercial truck insurance cost?
Commercial truck insurance pricing depends on several factors, so a single “average” doesn’t tell you much. Insurer, motor truck cargo, trucker profile, and federal insurance rules from the Federal Motor Carrier Safety Administration (FMCSA) all influence rates.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- National Association of Insurance Commissioners. "Auto Insurance."
- National Association of Insurance Commissioners. "A Shopping Tool for Auto Insurance."
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Learn more about us, our team, and what makes us tick.
)
Amy BeardsleyInsurance Writer
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Nick VersawSenior Managing Editor
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).