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Last updated: February 9, 2026Best Auto Insurance for Pickup Trucks
Nationwide, GEICO and Travelers are among our top choices for pickup-truck auto insurance.
Best for Ford F-150
Editor's Rating:
4.8/5
4.8/5Full Coverage Averages
- F-150: $124 monthly
- Chevy Silverado: $128 monthly
Best for Chevrolet Silverado
Editor's Rating:4.2/5
4.2/5Full Coverage Averages
- F-150: $126 monthly
- Chevy Silverado: $125 monthly
Best for Military and Veterans
Editor's Rating:5/5
5/5Full Coverage Averages
- F-150: $106 monthly
- Chevy Silverado: $111 monthly
Key Takeaways
- Pickup trucks — specifically the Ford F-150 — are the most popular vehicles in the U.S. Our top insurer for this model is Nationwide, while GEICO may be a better choice for drivers of Chevrolet Silverados.
- Owners of new pickup trucks can find great coverage with Travelers, business owners should consider Progressive, and military members and veterans should get a quote from USAA.
- Our pricing data is based on average rates, which are helpful for comparing companies, but keep in mind that your premium will depend on factors like your driving history, location and age.
Summary of the Best Auto Insurance for Pickup Trucks
- Best for Ford F-150: Nationwide
- Best for Chevrolet Silverado: GEICO
- Best for Military and Veterans: USAA
- Best for New Pickup Trucks: Travelers
- Best for Commercial Use: Progressive
Comparison of the Best Auto Insurance for Pickup Trucks
| Company | Full coverage monthly average (across makes and models) | Monthly average to insure a Ford F-150 | Monthly average to insure a Chevrolet Silverado | J.D. Power Auto Claims Satisfaction score (out of 1,000)1 | NAIC Complaint Index2 | Gap coverage |
|---|---|---|---|---|---|---|
| Nationwide | $166 | $124 | $128 | 729 | 2.55 | Yes |
| GEICO | $156 | $126 | $125 | 697 | 1.55 | No |
| USAA | $128 | $106 | $111 | 741 | 3.10 | If financed with USAA |
| Travelers | $153 | $141 | $126 | 691 | 0.30 | Yes |
| Progressive | $172 | $157 | $148 | 673 | 2.79 | Loan/lease payoff, limited to 25% of ACV |
Breaking Down the Best Auto Insurance for Pickup Trucks
1. Best for Ford F-150 - Nationwide
What We Like Most:
- Low average rates for Ford F-150
- Highly rated digital experience
- Pay-per-mile policies
Why we chose it
The Ford F-150 is the country’s most popular pickup truck, known for its reliability and reasonable pricing. However, truck repairs can be expensive, so it’s important to find an insurer that offers affordable rates. Nationwide’s solid service record and competitive rates make it our top choice for insuring F-150s. After USAA, which is available only to the military community, Nationwide has the lowest average rates for the F-150, at $124 per month, which is 26 percent lower than the national average.
In addition, Nationwide offers accident forgiveness, which prevents a rate increase after your first accident. The company’s telematics program, Nationwide SmartRide, offers up to 40 percent off premiums for safe driving, while its pay-per-mile program, Nationwide SmartMiles, can provide significant savings if you drive less than average. You can also take advantage of other car insurance discounts, like those for being a homeowner, bundling auto and home insurance, being a safe driver, and taking a defensive driving course.
Nationwide also earns top marks for customer service. It ranked fourth in J.D. Power’s 2025 Auto Claims Satisfaction Study and first in J.D. Power’s 2025 Digital Experience Study for the service category, making it a great choice for customers who prefer to handle claims via an app or website instead of over the phone.
FYI:
Unlike some other providers, Nationwide does not offer accident forgiveness automatically if you’ve remained accident-free for a certain amount of time. You’ll always need to pay to include it as an additional coverage on your policy, but that cost may be worth it if you get into an accident.
Who it’s best for
Nationwide is a great pick for Ford F-150 drivers, customers who want to participate in a telematics program, and low-mileage drivers.
Nationwide Pickup Truck Pricing
| Nationwide | Ford F-150 | Chevrolet Silverado |
|---|---|---|
| Monthly | $124 | $128 |
| Annually | $1,494 | $1,539 |
| Difference from national average | -26% | -15% |
2. Best for Chevrolet Silverado - GEICO
What We Like Most:
- Low average rates for Chevy Silverado
- Easy online quotes
- Long list of discounts
Why we chose it
After USAA, which is limited to the military community, GEICO has the lowest monthly average rate for insuring a Chevy Silverado, at $125 per month, on average. If you take advantage of GEICO’s many discount opportunities, there are even more ways to save. For example, military personnel and retired military veterans can get a discount of up to 15 percent, federal employees can save up to 12 percent, and customers who insure multiple vehicles can receive up to 25 percent off.
GEICO is known for its digital-first approach to insurance, and it offers an easy online tool that provides instant quotes and allows you to finalize your purchase without having to speak to an agent. If you have an iPhone, you can view your GEICO ID from within your Apple Wallet so you don’t have to worry about logging in to find your ID cards if you’re in an accident. (However, you should always keep a physical copy in your car in case your phone dies and make sure your state accepts digital proof of insurance.)
From the app, you can also request roadside assistance and access GEICO’s Easy Photo Estimate tool, which, if approved for your claim, conveniently allows you to submit pictures to an auto adjuster.
Who it’s best for
GEICO is an excellent choice for Chevy Silverado owners, federal employees or military members who can benefit from discounts, and people who want to manage their policy online.
GEICO Pickup Truck Pricing
| GEICO | Ford F-150 | Chevrolet Silverado |
|---|---|---|
| Monthly | $126 | $125 |
| Annually | $1,516 | $1,498 |
| Difference from national average | -25% | -17% |
3. Best for Military and Veterans - USAA
What We Like Most:
- Lowest rates for military drivers
- Excellent customer service record
- Financial products and services designed for the military community
Why we chose it
USAA offers great rates for military members, veterans and their families, with the cheapest average premiums for both the Ford F-150 and the Chevy Silverado. It also has generous discounts, including 60 percent off if you’re deployed and storing your vehicle, and 15 percent off when you garage your truck on a military base.
Like Nationwide, USAA has two telematics programs. It provides a 10 percent discount when you sign up for USAA SafePilot and up to 30 percent at renewal if you drive safely. If you don’t drive very often, you can opt for SafePilot Miles, which provides a low-mileage discount of up to 20 percent, depending on how little you drive. You can also earn an additional 20 percent off for driving safely.
USAA’s plans include an accident forgiveness program, which applies if you’ve been accident-free for five years, and 24/7 roadside assistance. Drivers tend to be satisfied with their USAA insurance; it consistently earns some of the highest customer satisfaction ratings in J.D. Power’s auto insurance studies.
Who it’s best for
USAA is a superb choice for military members, veterans and their families who are eligible for USAA membership.
USAA Pickup Truck Pricing
| USAA | Ford F-150 | Chevrolet Silverado |
|---|---|---|
| Monthly | $106 | $111 |
| Annually | $1,275 | $1,330 |
| Difference from national average | -37% | -26% |
4. Best for New Pickup Trucks - Travelers
What We Like Most:
- Wide variety of coverage types
- Many discounts available, including for new vehicles
- Affordable rates
Why we chose it
If you’re thinking of purchasing or have recently purchased a new pickup truck, Travelers offers several perks that are particularly appealing. First, it has a specific new-car discount that applies to policyholders who purchase a new car or own a car that is less than 3 years old.
In addition, the company’s Premier New Car Replacement package includes new-car replacement coverage, which will pay to replace your vehicle with a brand-new one of the same make and model if yours is totaled in a covered loss within the first five years. This is one of the most generous time frames for new-car-replacement coverage; most insurers offer it for only the first two or three years of ownership. The package also includes gap coverage and a lower glass deductible.
Other benefits include accident and minor traffic violation forgiveness as part of Travelers’ Responsible Driver Plan, which is an optional add-on. This coverage will prevent your premium from increasing after an accident or minor traffic violation within a specified period, usually three years.
DID YOU KNOW?
The Ford F-150 and Chevy Silverado are both on the list of the top 10 most frequently stolen vehicles as of 2023.3 If you’re in the market for a new vehicle, consider adding new-car-replacement coverage to protect your investment in case it’s stolen in the first few years.
Who it’s best for
Travelers is best for drivers with a new vehicle and those looking for various coverage add-ons.
Travelers Pickup Truck Pricing
| Travelers | Ford F-150 | Chevrolet Silverado |
|---|---|---|
| Monthly | $141 | $126 |
| Annually | $1,689 | $1,510 |
| Difference from national average | -16% | -17% |
5. Best for Commercial Use - Progressive
What We Like Most:
- Robust commercial truck insurance
- Highly rated digital tools
- Wide range of discounts
Why we chose it
If you use your pickup for business purposes, you’ll need specialized commercial auto insurance, as a personal policy will not cover you. Progressive offers robust commercial insurance policies for pickup-truck drivers to ensure you have the coverage you need for your business. It also provides coverage for borrowed, rented and hired vehicles.
With Progressive, you can bundle your commercial auto policy with various other business insurance policies, including general liability, workers’ compensation and professional liability. Commercial auto customers can take advantage of many discounts, including savings for having maintained continuous insurance coverage for the past 12 months and insuring their personal vehicle with the company.
You could save even more with Progressive’s Smart Haul program, which is available to new Progressive truck customers using an electronic logging device (ELD). It’s essentially a telematics program for commercial truck drivers and will reward you with a discount for safe driving. The company states that users save an average of $1,261 annually with the program. For trucks without ELDs, Progressive offers a similar program called Snapshot ProView, which relies on plug-in devices and provides a minimum 5 percent discount.
Who it’s best for
Progressive is a good choice for drivers who use their pickup trucks for business purposes and need commercial insurance, as well as for drivers who want to manage their policy online.
Progressive Pickup Truck Pricing
| Progressive (private passenger policy) | Ford F-150 | Chevrolet Silverado |
|---|---|---|
| Monthly | $157 | $148 |
| Annually | $1,884 | $1,773 |
| Difference from national average | +6% | -2% |
Frequently Asked Questions
No single pickup truck is the cheapest to insure across the board. The Ford Maverick and the Ford Ranger are often cited as more affordable to insure, but your rates can vary greatly depending on the vehicle’s uses, safety features, and factors like your own driving history.
The cheapest insurer for truck insurance depends on where you live, what type of truck you drive, whether it’s for personal or business use, and other factors. In general, USAA, GEICO, Nationwide and Travelers tend to have the cheapest rates for pickup-truck insurance, but you may find that a different company offers you a lower rate for your particular situation.
On average, GEICO tends to be cheaper than Progressive for pickup-truck insurance, but this may not always be the case. We found that GEICO charges over $20 less per month than Progressive, on average, for several pickup-truck models, but you may still get a lower rate from Progressive depending on your driving record and other factors. We recommend that you compare multiple auto insurance quotes before you decide on an insurer.
There are several reasons why your car insurance might be high when you have nothing on your record. If you live in an urban area, particularly one with a high vehicle theft or accident rate, your premium will likely be higher. You also may pay more if you have poor credit, as most states allow insurers to use credit history as a rating factor. If you’re a young driver, particularly under 25, your insurance rate can also be quite high.
Methodology
We evaluated auto insurance companies on the following criteria to determine the best car insurance companies for pickup trucks:
- Pricing (40%): We analyzed average full coverage premiums for pickup truck models, including the Ford F-150 and Chevrolet Silverado, for safe drivers with good credit. Full coverage included the following limits:
- Bodily injury: $100,000 per person/$300,000 per accident
- Property damage: $100,000 per accident
- Uninsured/underinsured motorist: $100,000 per person/$300,000 per accident
- Collision and comprehensive: $500 deductible
- Claims handling (25%): Claims processing is a key role of an insurance company, and policyholders expect to receive a prompt and fair settlement. To assess insurers’ claims handling processes, we consulted third-party sources such as J.D. Power’s Auto Claims Satisfaction Study and the CRASH Network Insurer Report Card.
- Customer experience (25%): We evaluated each provider’s customer service record, including ratings from J.D. Power and the National Association of Insurance Commissioners. We considered the ease of getting a quote and purchasing a policy, as well as companies’ digital user experience and availability of agents.
- Coverage options (10%): We looked at the add-on coverages offered by insurance companies and prioritized those with coverage types beyond the state-mandated minimums.
We use the latest industry research and third-party ratings to evaluate auto insurance providers, as well as feedback from real customers. Read more about our methodology.
Sources:
Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htm2023 Vehicle Theft Trends Report. NICB. (2023).
https://www.nicb.org/2023-vehicle-theft-trends-report
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