Best Car Insurance for Pickup Trucks in 2025

If you own a pickup truck, chances are you depend on it for more than just getting from A to B. Maybe it’s your weekend project hauler. Maybe it’s your daily drive to a job site. Or maybe, like many Americans, it’s simply your favorite ride.

Whatever your reason for owning a truck, one thing’s for sure: you need the right insurance coverage.

And no — not just the cheapest one you can find after five minutes of Googling.

In this guide, I’ll walk you through everything you need to know about pickup truck insurance in 2025 — from why it’s different, to how much you’ll pay, to which insurers are giving you the best bang for your buck.

Let’s dive in.

Why Insuring a Pickup Truck Is Different

There’s a common myth I hear often: “Isn’t it just a car with a bed in the back?”

Not quite.

Insurers calculate premiums based on risk — and pickup trucks bring unique risks to the table. Their size, power, frequent use for hauling, and even off-road adventures can all affect your rates.

Trucks Are Heavier — and That Matters

Most pickups weigh significantly more than sedans or SUVs. That extra weight means they can do more damage in an accident — which leads to higher liability costs for insurers.

Trucks Are Used for More Than Commuting

If you’re using your truck for business (hauling tools, towing equipment, deliveries), that’s considered commercial use — and it requires a different type of policy.

Modifications? They’re Common — and Pricey

Lift kits, custom bumpers, off-road tires — all those aftermarket mods? Insurers take note. And yes, they can raise your premiums if they increase repair costs or accident risk.

The Best Insurance Companies for Pickup Trucks in 2025

After reviewing 2025 data from sources like The Zebra, ValuePenguin, and NerdWallet, we ranked the best insurers for pickup truck owners based on:

• Affordability

• Coverage options

• Customer satisfaction

• Discounts and perks

Here’s how they stack up:

Note: Rates are averages based on a Ford F-150 and may vary by state, driving record, and truck use.

Cheapest Pickup Truck Insurance by Model

Let’s get even more specific. Here are the cheapest trucks to insure in 2025 — based on national averages:

Why the difference? Smaller trucks generally cost less to repair, and they’re less powerful — meaning less risk, and lower premiums.

I used to drive a Tacoma in grad school — reliable, simple, and my insurance was less than $100 a month. That’s rare these days, but it gives you an idea of what to expect.

Commercial vs. Personal Use: What’s the Difference?

This is one of the biggest mistakes I see truck owners make.

If you’re using your truck for work — and don’t tell your insurer — your claim could be denied. That includes:

• Towing trailers or heavy equipment

• Carrying tools or materials for a job

• Using the truck for ride-share or delivery gigs

What You Need Instead

You’ll want commercial auto insurance — or at least a policy that allows for business use. Companies like Progressive Commercial and The Hartford specialize in this space.

Yes, it may cost more. But it’s way cheaper than a denied claim after an accident on the job.

What Coverage Do You Actually Need?

Here’s what I tell friends when they ask: “Don’t just meet your state’s minimums — protect your truck and yourself.”

At a Minimum:

• Liability Coverage (required by law)

  • Bodily injury

  • Property damage

Strongly Recommended:

• Comprehensive Coverage
  Covers theft, vandalism, weather damage (helpful if you park outside)

• Collision Coverage
  Covers damage to your truck in an accident — even if you’re at fault

• Uninsured/Underinsured Motorist
  Vital if you live in a state with high rates of uninsured drivers

• Gap Coverage
  Especially important for new trucks or financed vehicles — covers the difference between the truck’s value and your loan balance

How to Save on Pickup Truck Insurance

Here’s the good news: you have more control over your premium than you think.

1. Bundle Policies

Most insurers will knock 10–25% off your rate if you bundle with renters or homeowners insurance.

2. Ask for Safety Discounts

Drive a newer truck with automatic braking, lane assist, or anti-theft tech? Those safety features can earn you discounts.

3. Keep a Clean Record

No surprise here: tickets and accidents will hike your rate. But even small infractions — like failing to signal — can have an impact.

4. Consider Usage-Based Programs

Programs like GEICO DriveEasy or Progressive Snapshot track your driving habits and offer lower rates if you’re a safe driver.

I once tested Progressive’s Snapshot myself for a month. It felt a little Big Brother-y, sure — but I saved nearly $180 a year just by avoiding sudden braking.

How Modifications Can Affect Your Rates

Love modding your truck? Totally get it. But don’t forget to notify your insurer.

Here’s why:

• Lift kits, tires, and performance mods may increase accident risk

• Audio systems and tech upgrades increase replacement cost

• Unreported mods can result in denied claims

What To Do:

• Keep receipts and photos of any upgrades

• Call your insurer before modifying — some may not cover certain changes

• Ask if you need custom parts and equipment (CPE) coverage

FAQs About Pickup Truck Insurance

Q: Is it more expensive to insure a pickup than a car?
A: Generally, yes — about 10–20% more, depending on the truck. That’s due to higher repair costs, weight, and potential commercial use.

Q: What’s the cheapest pickup truck to insure in 2025?
A: The Ford Ranger, followed closely by the Toyota Tacoma.

Q: Can I insure my truck for both personal and business use?
A: Yes, but you’ll need to disclose this. Some insurers offer hybrid policies; others may require commercial auto coverage.

Q: Is insurance cheaper if I don’t drive my truck much?
A: Absolutely. Look into pay-per-mile or usage-based programs to save.

Final Thoughts: Why the Right Coverage Matters

Pickup trucks are powerful, versatile — and often, one of your biggest investments. Whether you’re using it for work, weekend road trips, or hauling a boat to the lake, the right insurance makes all the difference when something goes wrong.

At Budget Insurance Agency, we know trucks — and more importantly, we know how to protect them.

Our licensed agents will walk you through your options, help you compare rates, and ensure you’re not paying for coverage you don’t need — or missing the coverage you do.

So before you hit the road (or the job site), make sure your pickup has the protection it deserves.