pickup trucks are some of the most common vehicles on the road there’s a wide range of pickup models on the market with some designed for work sites and others for highend performance and comfort while pickup truck insurance isn’t as expensive as coverage for sports cars or luxury vehicles it typically costs more than insurance for a sedan in this article our guides auto team will discuss how to find the best pickup truck insurance and share some average coverage costs we’ve also researched and ranked the best car insurance companies to help you find the right provider for your needs drivers in most states are required to carry minimum bodily injury liability and property damage liability coverage these types of insurance pay for other parties’ damages and injuries if you cause an accident many drivers choose to go beyond the legally required liability insurance and purchase a fullcoverage policy this type of protection plan features both collision insurance and comprehensive coverage collision coverage helps pay for damages to your truck no matter who is at fault for an accident comprehensive insurance covers damage caused by environmental factors theft and vandalism a fullcoverage auto insurance policy is the best way to fully protect your investment in a pickup truck especially if it’s a highend model if you have an auto loan or lease on your truck your lender will most likely require you to carry a fullcoverage policy if you use your truck to tow a trailer or other vehicles you’ll want to check with your insurance agent to make sure you’re adequately covered many standard liability policies will cover damage caused by a trailer but the coverage limits could be quite low if your truck has any modifications such as enhanced suspension or a roof rack you should consider extra coverage for customized parts and accessories the national average cost of a fullcoverage car insurance policy is 144 per month or 1730 per year this rate is for a 35yearold married driver with good credit and a clean driving record you’ll find that for the most part coverage rates for pickup trucks are slightly higher than what you’d pay to insure a sedan our team used cost estimates from quadrant information services to gather the following fullcoverage rates for popular 2022 pickup models while these quotes pertain to the cost to insure a new truck rates for older trucks will average a bit lower usaa and nationwide offer the cheapest average rates for the toyota tundra which is one of the more affordable pickup models to insure however usaa is only available to members of the military veterans and their eligible family members along with the type of vehicle you drive there are several personalized factors auto insurers weigh when setting insurance coverage rates these are some of the key metrics that determine how much you pay to protect your car or truck   location  where you live plays a significant role in how much you pay for auto coverage population density and the number of claims filed in a particular location are important factors   driving record  if you have a clean driving history you’ll pay lower insurance premiums   credit history  in most states your credit score is used to show an insurer how financially responsible you are   marital status  married motorists tend to pay lower rates on average than single drivers   age  teen drivers and young adults pay significantly higher insurance rates than those 30 years of age and older usaa offers some of the cheapest truck insurance rates for just about every model yet as mentioned earlier usaa policies are available only to active military veterans and their immediate family members if you qualify for usaa coverage it’s a fantastic insurance option and it’s worth contacting this company to get a truck insurance quote for everyone else we recommend the following toprated companies for pickup truck insurance we pickstate farm as our editor’s choice due to its wide variety of coverage options and discounts the company also received high marks for overall customer satisfaction in our august 2022 nationwide car insurance survey of nearly 7000 respondents state farm offers discounts for good students completion of defensive driving courses vehicle safety features and more through the company’s drive safe  save™ usagebased program customers can save up to 30 off their premiums for maintaining safe driving habits geico is known for competitive rates and high policy limits the company has been in business for over 85 years and has a reputation for strong customer service geico offers ample coverage options and 16 types of discounts the company’s good driver discount can save customers up to 26 while its multivehicle discount can knock off up to 25 from customer premiums below are frequently asked questions about the best pickup truck insurance because consumers rely on us to provide objective and accurate information we created a comprehensive rating system to formulate our rankings of the best car insurance companies we collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors the end result was an overall rating for each provider with the insurers that scored the most points topping the list in this article we selected companies with high overall ratings and cost ratings the cost ratings were informed by auto insurance rate estimates generated by quadrant information services and discount opportunities