Drivers need comprehensive coverage at a reasonable cost when searching for the best car insurance for pickup trucks. Finding the best car insurance for pickup trucks can be time-consuming due to the abundance of car insurance companies.
Moreover, we’ve thoroughly researched car insurance providers, assessed client testimonials, compared rates nationwide, and conducted extensive analysis on numerous insurers. Furthermore, we have reduced our selections to the best car insurance for pickup trucks, based on factors like cost, claims processing, and customer support.
Best Car Insurance for Pickup Trucks
There are several alternatives available to truck owners for auto insurance. All car insurance companies have advantages and disadvantages. The best car insurance pickup trucks include USAA, Amica, and Erie, based on coverage options, discounts, and customer service scores.
The article will go over how to compare pickup trucks for car insurance quotes and provide an overview of typical coverage expenses. Furthermore, to assist you in selecting the best provider for pickup trucks, we have listed the top car insurance companies.
Erie
Erie offers the lowest overall car insurance premiums for pickup trucks among all companies, making it an excellent choice for those prioritizing affordability. It provides extensive pickup options and has received an A- rating from repair experts for its collision repair claims procedures.
It offers the cheapest overall pickup truck insurance for Ford F-150 and Chevrolet Silverado 2500, with accident forgiveness, gap insurance, and new car replacement coverage. However, it is exclusively available in 12 states and rates are particularly high for drivers with poor credit.
Amica
Amica continuously receives the highest ratings from J.D. Power for customer satisfaction and an A+ (Superior) rating from A.M. Best for financial strength. For added safety, the company offers a range of policy add-ons, including gap insurance, complete glass coverage, and accident forgiveness.
Amica offers various special deals, some of which are designed for younger drivers, despite not being the most affordable option. To determine the cost of your policy, you can contact the insurer or request an online quote from Amica’s website.
USAA
USAA offers veterans and active military personnel affordable pickup truck insurance. Additionally, good customer service is indicated by the reasonable amount of coverage alternatives available for policy additions and the low number of complaints filed against the policy. The company offers low costs for drivers who have caused accidents, received speeding tickets, or have a DUI, offering free accident forgiveness after five years. However, the collision repair claims processes are only open to veterans, active military members, and their immediate families, with a low grade of C-.
Travelers
Travelers have a large selection of optional coverage including small infraction forgiveness and accident forgiveness. Additionally, if your automobile is totaled, you will receive a deductible waiver and a lowered deductible with its Premier insurance. Among the providers we looked at, its pickup insurance premiums are the second cheapest.
The company provides affordable pickup truck insurance, particularly for the GMC Canyon and Rivian R1T. It also offers new car replacement packages with gap insurance and lower glass deductibles. However, parents adding a teen to their policies face higher costs than some top competitors, as there is no SR-22 insurance available. Furthermore, Travelers auto insurance is offered in 42 states and Washington, D.C. However, it’s not offered in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia, or Wyoming.
State Farm
State Farm is our choice for the Best Customer Experience given its extensive range of coverage options and incentives. Additionally, the business scored highly on our countrywide auto insurance survey conducted in August 2022 with close to 7,000 respondents.
Additionally, good students can receive discounts from State Farm, which also offers defensive driving training, car safety features, and more. The company’s Drive Safe & SaveTM usage-based program offers customers up to 30% off their premiums for maintaining safe driving habits.
Geico
Geico is renowned for its large policy limits and competitive pricing. Moreover, with more than 85 years of experience, the company is known for its excellent customer service. This company provides sixteen different kinds of savings in addition to a wide range of coverage options. Furthermore, customers can save up to 26% with the company’s excellent driver discount and up to 25% with its multi-vehicle discount on their premiums.
Nationwide
Nationwide provides two insurance programs: SmartMiles, a pay-per-mile option, and SmartRide, a usage-based insurance program, to help customers obtain reduced rates based on actual driving. Additionally, Nationwide provides a diverse range of coverage options, low complaints, and affordable pickup truck insurance rates. The company offers competitive pickup truck insurance rates, including the cheapest for Ford Maverick and Nissan Frontier.
It also offers accident forgiveness, vanishing deductible, gap insurance, and new car replacement coverage. Moreover, the company has a C repair professional grade for collision repair claims and higher auto insurance rates for DUI drivers compared to competitors. Furthermore, you may get Nationwide car insurance in forty-six states, and Washington, D.C. Alaska, Hawaii, Louisiana, and Massachusetts do not have access to it.
Auto-Owners
Auto owners provide a purchase price guarantee for new truck owners, covering the original purchase price if the car is totaled within the first two years. If you experience a total loss within 90 days of your purchase, you can add the loss to your new automobile coverage, resulting in a new vehicle.
The pickup insurance company offers competitive rates, accident forgiveness, a diminishing deductible, and gap insurance, with a B-grade from collision experts for its claims process. However, the policy is only available in 26 states and offers high rates for drivers with poor credit, parents adding a driver and senior drivers.
Although the size and kind of the truck will influence the cost of coverage, insurance rates for pickup trucks are typically comparable to the national average. Comparing quotes from multiple insurers can help you find the best deal on pickup trucks, just like any other car.