The best car insurance for trucks are Geico, USAA, and Progressive, offering rates starting as low as $65 per month. Geico is known for its specialized coverage tailored specifically for truck owners, combining affordability with essential protections.

USAA offers comprehensive benefits and discounts for military families, and Progressive features flexible policies and add-ons like roadside assistance.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Specialized Coverage	Geico
	#2	10%	A++	Comprehensive Coverage	USAA
	#3	10%	A+	Flexible Policies	Progressive
	#4	17%	B	Reliable Coverage	State Farm
	#5	25%	A	Replacement Coverage	Liberty Mutual
	#6	20%	A+	Tailored Coverage	Nationwide
	#7	25%	A+	Truck-Specific Discounts	Allstate
	#8	20%	A	Enhanced Protection	Farmers
	#9	13%	A++	Liability Coverage	Travelers
	#10	5%	A+	Specialized Coverage	The Hartford

Each of these providers offers a unique mix of affordability, coverage options, and specialized plans, ensuring truck owners find the right fit for their specific needs. Browse our article about a practical guide for understanding car insurance.

Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code above

What You Should Know

• Find the best car insurance for trucks with specialized coverage and flexible policies
• Geico offers top rates starting at $65 per month for affordable truck insurance
• Access tailored policies for trucks, including roadside assistance and rental coverage

#1 – Geico: Top Overall Pick

Pros

• Specialized Coverage: Geico provides tailored car insurance for trucks, ensuring optimal protection for various truck types.
• Low Rates: Geico offers affordable rates, starting at $70 per month for minimum coverage on trucks.
• High Bundling Discount: Geico allows truck owners to save up to 25% with bundling policies. To gain more insights into this company, you can browse the related Geico Renters Insurance Review.

Cons

• Limited Add-ons: Fewer add-on options may limit coverage customization for car insurance for trucks.
• Availability: Geico’s specialized truck insurance is not available in all states.

#2 – USAA: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: USAA is ideal for car insurance for trucks, offering extensive coverage options tailored to military families.
• Lowest Rates: Competitive monthly rates starting at $65 for minimum truck coverage make USAA the most affordable choice. For more insights about company's feedback, read our USAA customer ratings.
• Exclusive Discounts: Additional savings are available for military families, providing further cost reduction.

Cons

• Membership Restriction: Only available to military members, veterans, and their families, limiting access for others seeking truck insurance.
• Lower Bundling Discount: USAA’s 10% bundling discount is less competitive compared to other providers.

#3 – Progressive: Best for Flexible Policies

Pros

• Flexible Policies: As mentioned in our Progressive reviews, Progressive offers flexible car insurance for trucks, allowing truck owners to customize their coverage options.
• Affordable Rates: Progressive’s rates start at $72 per month for minimum truck coverage, providing good value for money.
• Discount Opportunities: Progressive provides various discount options for safe drivers and multiple policyholders.

Cons

• Customer Satisfaction: Progressive has mixed customer satisfaction ratings for claims handling related to truck insurance.
• Limited Military Discounts: Progressive does not offer specific military discounts for car insurance for trucks.

#4 – State Farm: Best for Reliable Coverage

Pros

• Reliable Coverage: State Farm offers dependable car insurance for trucks with a solid reputation for claims satisfaction.
• Lowest Rates: Based on our State Farm reviews, Its rates start at $68 per month for minimum truck coverage, providing affordable options for truck owners.
• Bundling Discount: State Farm provides a 17% discount for bundling policies, enhancing savings for truck owners.

Cons

• Limited Bundling Discount: The 17% discount is lower than some competitors, which may impact overall savings for truck insurance.
• Higher Premiums: Premium costs may be higher compared to other providers for certain truck coverage levels.

#5 – Liberty Mutual: Best for Replacement Coverage

Pros

• Replacement Coverage: Liberty Mutual excels in offering replacement car insurance for trucks, ensuring full value in case of a total loss.
• High Bundling Discount: Truck owners can benefit from a 25% bundling discount, maximizing their savings.
• Competitive Rates: With our Liberty Mutual reviews, the company's rates start at $75 per month for minimum coverage, making it an affordable choice for replacement coverage.

Cons

• Limited Availability: Replacement coverage options may not be available in all regions for truck insurance.
• Customer Service: Liberty Mutual has received average ratings for customer service satisfaction regarding truck claims.

#6 – Nationwide: Best for Tailored Coverage

Pros

• Tailored Coverage: Nationwide provides customizable car insurance for trucks, allowing truck owners to choose coverage that fits their needs.
• Moderate Rates: Rates begin at $74 per month for minimum truck coverage, balancing cost and protection.
• Bundling Savings: Nationwide offers a 20% discount for bundling, providing added savings opportunities. Explore further in our Nationwide review.

Cons

• Average Claims Experience: Customer reviews indicate an average experience in handling truck insurance claims.
• Lower Discount Rates: Bundling discounts are slightly lower compared to some competitors.

#7 – Allstate: Best for Truck-Specific Discounts

Pros

• Truck-Specific Discounts: Allstate offers unique discounts for truck owners, optimizing savings on car insurance for trucks.
• Bundling Discount: Up to 25% savings through policy bundling makes Allstate an attractive option for truck coverage.
• Enhanced Protection Options: According to our Allstate review, Allstate offers additional options like accident forgiveness and new car replacement for trucks.

Cons

• Higher Rates: Minimum coverage rates start at $76 per month, which is higher than some competitors.
• Mixed Customer Reviews: Some customers report inconsistent service levels with truck insurance claims.

#8 – Farmers: Best for Enhanced Protection

Pros

• Enhanced Protection: Farmers offers robust car insurance for trucks, including added benefits like full windshield and towing coverage.
• Decent Rates: Rates start at $71 per month for minimum truck coverage, providing competitive pricing for enhanced protection.
• Bundling Benefits: Offers a 20% bundling discount, helping truck owners save more. See more details on our Farmers review.

Cons

• Limited Discounts: Fewer available discounts compared to other providers, which could affect overall savings for truck insurance.
• Mixed Coverage Options: Some specialized coverage options may not be as extensive as those from other providers.

#9 – Travelers: Best for Liability Coverage

Pros

• Liability Coverage: Travelers is known for providing strong liability car insurance for trucks, ensuring core protection needs are met.
• Competitive Rates: See our Travelers reviews that offers minimum coverage rates starting at $73 per month, making it a cost-effective choice for truck owners.
• Bundling Discount: Provides a 13% discount for bundling policies, allowing additional savings.

Cons

• Lower Bundling Discount: The 13% bundling discount is relatively low compared to other insurers.
• Limited Coverage Options: Focuses primarily on liability, with fewer comprehensive or specialized coverage options for trucks.

#10 – The Hartford: Best for Specialized Coverage

Pros

• Specialized Coverage: The Hartford offers targeted car insurance for trucks, ideal for older drivers or those seeking specialized options.
• Competitive Rates: Starting rates at $69 per month for minimum truck coverage provide affordability. Discover more in The Harford review.
• Unique Discounts: Provides unique discounts, such as savings for AARP members, enhancing affordability.

Cons

• Limited Discounts: Only a 5% bundling discount is available, which is lower than most competitors for truck insurance.
• Higher Premiums for Younger Drivers: The Hartford may have higher premiums for younger truck owners, affecting overall affordability.

Expenses of Car Insurance for Trucks by Provider

The expense of car insurance for trucks can differ widely based on the provider, comprehensive coverage insurance levels, and individual driving history. The table below shows the comparison of monthly rates for both minimum and full coverage options.

Insurance Company	Minimum Coverage	Full Coverage
	$76	$168
	$71	$162
	$70	$160
	$75	$170
	$74	$163
	$72	$165
	$68	$161
	$69	$158
	$73	$166
	$65	$155

USAA offers the most economical rates starting at $65 per month for basic coverage, particularly benefiting military families. Geico presents competitive pricing at $70 per month with specialized options tailored for truck owners, while Progressive begins at $72 per month, providing adaptable policy choices.

Insurance Company	Available Discount
	Multi-Policy, Safe Driver, Accident Forgiveness, Bundling
	Signal® App, Multi-Policy, Safe Driver, Accident Forgiveness
	Multi-Policy, Safe Driver, Anti-Theft, Defensive Driving
	Multi-Policy, Safe Driver, Accident Forgiveness, Bundling
	Vanishing Deductible®, Multi-Policy, Safe Driver, Bundling
	Snapshot®, Multi-Policy, Continuous Insurance, Bundling
	Drive Safe & Save™, Multi-Policy, Safe Driver, Accident-Free
	Multi-Policy, Safe Driver, Accident Forgiveness, Bundling
	Multi-Policy, Safe Driver, Accident Forgiveness, Bundling
	Multi-Policy, Safe Driver, Military Discount, Accident Forgiveness

These rates are also influenced by factors such as the truck’s model, purpose, and geographic location, making it vital to compare quotes from several providers to secure the most favorable rate.

Exploring Various Coverage Options for Trucks

Car insurance for trucks includes multiple coverage types designed to cater to diverse requirements. Standard coverage generally involves liability insurance, which addresses damages caused to others in an incident you are responsible for.

Comprehensive coverage extends protection against theft, vandalism, and natural disasters, while collision coverage compensates for damage to your truck in accidents. For an extensive exploration, refer to our detailed guide collision vs. comprehensive coverage.

Additional coverages, like roadside assistance, rental reimbursement, and uninsured motorist protection, provide further security. Understanding these options allows you to select a policy that meets your specific needs for truck protection.

Evaluating Savings Opportunities Across Insurance Providers

Understanding and leveraging discount strategies is key to reducing the cost of car insurance for trucks. Many insurers, like Geico and Allstate, offer bundling discounts, allowing you to save up to 25% when you combine truck insurance with other policies, such as homeowners or renters insurance.

When you bundle, you don't have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm

— GEICO (@GEICO) April 27, 2023

Providers like USAA provide exclusive discounts for military members, while Progressive rewards safe drivers and those who choose automatic payments. Additionally, specialized discounts tailored to truck owners, such as those offered by Nationwide and Liberty Mutual, can further reduce premiums.

By carefully assessing these discount opportunities across different providers, you can identify which company offers the best savings, ensuring comprehensive truck insurance at a more affordable rate.

Finding the Right Truck Insurance

Geico, USAA, and Progressive offer the best car insurance for trucks, with Geico providing specialized coverage at rates starting from $70 per month, USAA delivering exclusive military discounts, and Progressive offering flexible add-ons like roadside assistance.

For luxury truck owners, comprehensive protection can come at a higher cost due to factors like vehicle value and increased repair expenses. To find the best car insurance for trucks, including luxury models, comparing quotes from top providers is key.

Using tools comparison service allows you to assess top ways customers have saved money on car insurance rates and secure the most competitive rates for your specific needs.Enter your ZIP code into our free quote tool below to find the best policy for you.

Frequently Asked Questions

What factors affect the cost of car insurance for trucks?

The cost of car insurance for trucks is influenced by factors such as the truck’s size, make and model, usage, the driver's age and driving history, and the level of coverage chosen. These will serve as hacks to save money on your car insurance rates.

How can I find the best car insurance for trucks?

To find the best car insurance for trucks, compare rates and coverage options from different providers, such as Geico, USAA, and Progressive, which are known for offering specialized and flexible truck insurance policies.

Are there discounts available specifically for truck insurance?

Yes, some insurers, like Allstate, offer truck-specific discounts, while others provide savings through bundling policies or offering lower rates for safe driving. Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.

Is truck insurance more expensive than car insurance?

Car insurance is expensive, but truck insurance can be even more costly due to various factors like the truck’s size, potential for higher damage, and different usage patterns, such as commercial use or heavy-duty activities.

What coverage should I consider when insuring my truck?

Truck owners should consider comprehensive coverage, liability, collision, uninsured motorist coverage, and optional add-ons like roadside assistance or rental reimbursement.

Can I customize my truck insurance policy?

Yes, companies like Progressive offer flexible policies that allow truck owners to customize their insurance based on their specific needs and usage.

Do I need special insurance for a commercial truck?

Yes, if your truck is used for business purposes, you will need commercial truck insurance, which covers business-related liabilities, cargo, and other commercial-specific risks.

How can I lower my truck insurance premiums?

You can lower your truck insurance premiums by maintaining a clean driving record, choosing a higher insurance deductible, bundling multiple policies, and taking advantage of any discounts offered by your insurance provider.

What is the difference between full coverage and minimum coverage for truck insurance?

Full coverage includes liability, comprehensive, and collision insurance, offering broader protection, while minimum coverage typically includes only the state's required liability insurance. To deepen your understanding, explore our comprehensive resource titled "What does liability car insurance cover?"

Can I get truck insurance if I have a less-than-perfect driving record?

Yes, many insurers provide truck insurance to drivers with a less-than-perfect driving record, but the premiums may be higher, and coverage options may vary. When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.