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It can be difficult to narrow down exactly how much auto insurance for trucks will cost because of the many factors that affect auto insurance rates, such as the type of truck you own, without getting a quote. A pickup truck is going to have different rates than a flatbed truck. However, knowing the factors that will impact your rates will help you find the best truck insurance possible.

Read our truck insurance guide to learn about average truck costs, the different types of auto insurance for trucks, and find cheap truck insurance for you. If you’re looking to buy auto insurance for trucks, enter your ZIP code into our free quote tool above and compare the best truck insurance rates in your area.

Read our truck insurance guide to learn about average truck costs, the different types of auto insurance for trucks, and find cheap truck insurance for you. If you’re looking to buy auto insurance for trucks, enter your ZIP code into our free quote tool above and compare the best truck insurance rates in your area.

Find the Best Truck Auto Insurance Rates

How much is auto insurance for a truck? That answer depends on what truck you’re trying to insure, the insurer you choose, 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 average pickup truck insurance cost per month of the top ten most popular trucks that drivers love. According to J. D. Power, these are the top trucks based on customer feedback and national truck sales.

Average Monthly Truck Insurance Rates by Vehicle Make and Model

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.

Read More:

• Chevrolet Auto Insurance
• Ford Auto Insurance

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

The cost of insurance really depends on the type of truck you purchase and the other factors listed above. If you buy a $40,000 automobile and a $20,000 truck, then, typically, your vehicle will be the less expensive product to insure. If you’re talking about commercial trucking, then you’ll probably pay more for your insurance than someone who has commercial vehicle insurance for automobiles.

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 compare rates 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.

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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 to 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.

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 as of 2019:

• 2019 Nissan Frontier S 2WD King Cab
• 2019 GMC Canyon SL 2WD 4 door.
• 2019 Ford F-150 2WD
• 2019 Chevrolet Colorado 4 door 2 WD
• 2019 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. Teen drivers should expect to pay several times as much as a 40-year-old driver, no matter what truck they’re driving.

Read More:

• GMC Auto Insurance
• Nissan Auto Insurance
• Toyota Auto Insurance

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