Car Insurance for a Used Pickup Truck

Car insurance for a used pickup truck depends on how old the truck is, how much it's driven, your credit history, and more. Always compare quotes to get the cheapest car insurance rates for a used pickup truck.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 28, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • In addition to make and model, the age of your pickup truck has a direct impact on your monthly premium
  • Where you live also plays a significant role in how much you will have to pay each month
  • Pickup trucks are usually less expensive to insure when compared to smaller cars

Since many different factors come into play when deciding on car insurance, it’s impossible to say which is the best choice for the owner of a used pickup truck. Knowing only the type of vehicle is not enough to get a clear picture of which car insurance provider would serve the policyholder best.

And even though there are multiple factors that determine car insurance premiums, having a truck instead of a regular car can lower your rates. Most car insurance providers consider trucks to be safer than cars so they are given a slightly lower rate.

Our comparison tool is FREE and easy to use! Enter your zip code above to see for yourself!

Why are trucks considered to be safer than cars?

One of the main reasons a truck is considered to be safer than a car is because it is usually much larger. Someone driving a large truck that’s involved in an accident is less likely to be severely injured than if they had been in a car.

Another reason trucks are considered safer than cars is because they are usually higher off of the ground. By being raised off of the ground, the driver can see more of their surroundings while they are driving.

When the driver can see more of what is going on around them on the road, they are less likely to be in a car accident and therefore less of a risk for the car insurance provider to insure.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

What are some of the other factors that influence car insurance rates?

The type of vehicle the policyholder drives is just one of many things that are considered when a car insurance premium is determined.

Some of the other factors that are considered include where the vehicle is driven, how much the vehicle is driven, how old the vehicle is, and the policyholder’s driving history.

A person’s driving history is very important when it comes to determining car insurance rates. If someone has been involved in a lot of accidents, had multiple moving violations, or has made multiple claims with a previous insurance provider, they are considered to be a greater risk to insure.

As a result, they are charged much more for insurance than someone that has never had to file a claim. These people are considered a greater risk to insure because they are more likely to cost the car insurance provider in the future.

Does the Make and Model Impact My Monthly Premium?

The type of vehicle is another important component. In the case of a used pickup truck, the policyholder will pay more for a much older used truck than they would for one that is only a few years old.

The brand of vehicle is also an important factor. The policyholder will pay less for car insurance for a truck that is considered a more mid-range brand than they would for a luxury brand truck.

This is because if the luxury truck is stolen or damaged it would cost the insurance provider more to insure.

Does the area affect my rates?

The type of area the vehicle is driven in is also an important factor. Someone who lives in a rural area will pay less for car insurance that someone in an urban environment. Vehicles that are kept in a rural area are less likely to be stolen or vandalized than a vehicle in a city.

A driver is also less likely to be in a car accident in a rural area than in a city because there are fewer drivers on the road.

People who do not drive their cars very much or for shorter distances also tend to see a less expensive car insurance bill each month.

People who live in a small town, have a short commute, or do not use their car every day, are statistically less likely to get into a car accident than someone who has a long daily commute or drives a lot for other reasons.

Research is the most important way to find a great car insurance provider. Getting quotes from multiple providers and researching them via websites like A.M. Best Company is the best way to find the cheapest car insurance rates.

Enter your zip code and start comparing affordable car insurance rates now!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption