Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 3, 2020

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Here's what you need to know...

  • There is no set answer for how much pickup truck insurance rates are
  • However, pickup truck insurance rates are higher than insurance rates on standard cars
  • Insurance rates depend on factors like the kind of pickup truck and installed safety features
  • It is important to shop around and get the best quote available from various insurance companies

Do you have a pickup truck and need car insurance rates?

Use our simple tool above and enter your ZIP code to get car insurance quotes in your area today!

Table of Contents

Why does pickup truck insurance cost more than standard car insurance?

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  1. Accidents involving pickup trucks potentially cause a lot more damage than accidents with a small car, due to the size of pickups.
  2. Trucks are often targeted by auto thieves. Researchers have found that a pickup truck is three times more likely to get stolen than any other type of vehicle.
  3. Pickup and full-size trucks with large frames and tires are more susceptible to rolling over which makes them a bigger accident risk.

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Do I need pickup truck insurance for my small business?

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If you rely on your truck for business purposes, it is vital to have the proper amount of insurance coverage. If you do not have the proper amount of insurance, your entire business could be at risk.

At the very least, you should purchase liability insurance if you’re using your truck for business. Having liability insurance allows you and your employees to be covered in the case of an accident.

Many businesses today rely on pick-up trucks to serve as the primary source of transportation for both individuals and equipment.

Additionally, most small businesses rely exclusively on pickup trucks, so being able to afford insurance is a very important part of the businesses functioning properly and efficiently.

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Are there specific types of coverage for my pickup truck?

Having comprehensive and collision insurance coverage will protect you against any type of physical damage to your pickup truck, including damage from another car, damage from an animal, fire, theft, and vandalism.

Make sure that you can afford your deductible–the portion you have to pay when there is a claim.

Another type of insurance that is important to carry is underinsured/uninsured motorist coverage. This type of insurance covers you if you get into an accident with someone who does not carry car insurance.

Although it is state law to carry car insurance, many people do not.

If you get into an accident with an underinsured or uninsured person, he might not have the financial resources to pay the damages.

In this case, uninsured motorist insurance can cover any damages, medical bills, and more.

If I can’t afford insurance for my truck, should I carry basic coverage?

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It is important to remember that your pickup truck is most likely the reason you are able to work. Without it, you may not be able to do your job effectively and efficiently.

Do not risk losing your entire livelihood to save a couple of hundreds of dollars a year by not having the proper amount of insurance.

Even though it can be more expensive to carry insurance for your pickup truck, it is cheaper than having to pay for damages and medical bills out of your own pocket because you aren’t covered by insurance.

Looking for the right pickup insurance? Enter your ZIP code below now to find FREE car insurance quotes for coverage near you!