Enter your ZIP code:

Truck Insurance for Your Pride & Joy

Climbing behind the wheel and hitting the road evokes an undeniable sense of pride in many truck owners. But while that larger-than-life 4x4, decked-out luxury model or heavy-duty version with 360 horses under the hood may give you a real sense of power, buying truck insurance may leave you feeling deflated—if you do so without all the facts.

Heard the Secret?

Indeed, insurance for many trucks can be quite costly. But armed with the knowledge you need to get the right protection and the best deal, making the right purchase can actually be quick and simple. You just have to know how to go about it.

So what's the secret to finding the right coverage for your vehicle? Knowing your options—and doing your research now, before you hit the road.

The Low-Down on Truck Insurance

The price you pay to insure your truck depends on several variables, as noted below. By doing what you can to minimize risk for those factors within your control, you can lower your insurance rates by as much as 50 percent—or even more!

Within your control:

  • Your driving history/record

  • Where you live

  • Which truck you buy

  • How many bells and whistles it contains

Outside your control:

  • The likelihood (or risk) your truck will be stolen

  • The risk of injury you and your passengers face in an accident

  • What it costs to repair your truck, based on its structural design

In general, the more your truck costs, the more your insurance will cost, too. However, premiums are set based on the risks inherent to your exact vehicle with you behind the wheel. So be sure to shop around for the best rates and the right coverage before selecting an insurance policy.

Keep in mind that truck insurance rates can vary dramatically from one company to the next, so it just makes sense to know what you're up against before you drive off the lot in that shiny new pickup. With a bit of determination and the right insurance agent, you'll have the coverage you need in no time.

Did You Know?

Sometimes little-known facts about trucks to help you understand your insurance rates:

  1. Trucks are stolen much more frequently than cars, by a ratio of at least 3-to-1.

  2. Trucks cost more to insure than cars (due partially to the rate of theft and the likelihood of injury when involved in accidents).

  3. Truck drivers are much more likely to be seriously injured or killed in accidents as compared with cars, due to reduced occupant protection.

If you really need that brand new truck—or your business can't operate without one—experts recommend you also buy accident insurance of $300,000 per person and $500,000 per accident. This will help protect your assets in case of a collision.

Making the Best Choice

As with cars, some trucks cost more to insure than others, mainly due to size or options.

If saving money on insurance is your goal, consider this list of the most "pricey" trucks (insurance-wise) before you buy either new or used. It could help you keep your insurance premiums low.

According to Edmunds.com, the 10 most expensive trucks to insure (as of this writing) are:

  • Land Rover Range Rover

  • Porsche Cayenne

  • G-Class Mercedes-Benz

  • Lexus LX 470

  • Cadillac Escalade

  • Cadillac SRX

  • BMW X5

  • Toyota Sequoia

  • Dodge Ram 2500

  • Ford Excursion

Countering High Prices

Auto insurance rates in many states are on a downward trend, and that's welcome relief for all. But it is possible to save even more than average by following these simple tips, courtesy of InsureMe:

Comparison Shop. If you have a good driving record and/or buy a safer truck, your premium should go down.

Find out what your insurance will cost before you buy that new truck. Auto insurance companies typically charge more for trucks that are expensive to repair or don't fare well in accidents.

Ask your insurer for discounts. These cost-savers can lower your truck insurance premiums more than you might think:

  • Combine your truck and your spouse's car on one insurance policy

  • Buy a truck with airbags or other safety equipment

  • Installing anti-theft devices in your truck

  • Insure your home and truck with the same insurer

Take the highest deductible you can afford. The higher your deductible, the lower your premium—it's as simple as that.

Improve your driving record. The more tickets and accidents you have, the more your truck insurance costs.

Consider dropping comprehensive and/or collision coverage if you drive an older truck. Physical damage coverages like these reimburse you for harm to your own truck. But if it is several years old, or worth less than $1,000, you may not need these types of coverage.

Review your policy regularly, and keep your coverage updated. Your truck insurance rates may fluctuate depending on use. So set a particular time each year to review your policy with your agent and stick with it!

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17692
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 18015
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16966
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17504
81 How to Get Discount Auto Insurance youcomparequotes 17767
80 Insurance for Van Lovers youcomparequotes 17506
79 Car Insurance That Fits Your Needs youcomparequotes 17166
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17354
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18372
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17167
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19411
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17756
73 Auto Insurance from InsureMe youcomparequotes 17670
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 18035
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18426
70 Buying and Insuring a New Car youcomparequotes 16788
69 Compare Auto Insurance Rates youcomparequotes 17114
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16620
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16713
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17176
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17286
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16626
63 How to Reduce Car Insurance Prices youcomparequotes 17163
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17357
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16673
60 Auto Insurance Cost & Your Ride youcomparequotes 17169
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16945
58 How to Get the Cheapest Car Insurance youcomparequotes 16853
57 Selecting a Car Insurance Company youcomparequotes 17552
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17161
55 Get the Best Car Insurance Rates Around youcomparequotes 17402
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16439
53 Child Safety Belts Keep Kids Safe youcomparequotes 17105
52 Speeding and Car Insurance Rates youcomparequotes 16807
51 Not At Fault Car Insurance & Accidents youcomparequotes 16944
50 State Auto Insurance Becoming Available youcomparequotes 17414
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17683
48 Car Insurance & Roommates or Family Members youcomparequotes 17255
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16954
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16858
45 SUVs: Minor Collision, Major Damage youcomparequotes 17409
44 Severe Weather Driving Tips youcomparequotes 17186
43 Avoiding Aggressive Drivers youcomparequotes 18048
42 Safety Tips & Car Insurance for Teens youcomparequotes 17102
41 Insurance for Cars: It's Your Choice youcomparequotes 17059
40 Car Insurance Quotes Save You Money youcomparequotes 17121
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17995
38 Safety Features Save Lives & Money youcomparequotes 16882
37 Curbing Auto Insurance Prices youcomparequotes 16423
36 Teen Auto Insurance youcomparequotes 16706
35 Car Insurance: Your Questions Answered youcomparequotes 16758
34 How to Buy Car Insurance youcomparequotes 17391
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16673
» Truck Insurance for Your Pride & Joy youcomparequotes 16461
31 How Insuring a Used Car Can Save You Money youcomparequotes 17481
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17280
29 Credit Scores & Car Insurance youcomparequotes 17866
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16453
27 Reducing SUV Insurance Rates youcomparequotes 16843
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17361
25 How to File an Auto Insurance Claim youcomparequotes 16999
24 Avoiding Deer Collisions While Driving youcomparequotes 17466
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16818
22 Auto Insurance Basics That Save youcomparequotes 17223
21 It's Official - Men Are Terrible Drivers youcomparequotes 18726
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17475
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16999
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17259
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17032
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17383
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16872
14 Your Options in Motorcycle Insurance youcomparequotes 16848
13 The Advantages of RV Insurance youcomparequotes 17221
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34728
11 Insuring Your Teen Driver youcomparequotes 16984
10 The SR22 & Car Insurance youcomparequotes 16477
9 Auto Insurance & Generic Parts youcomparequotes 17185
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18320
7 Drowsy Drivers, Wake Up! youcomparequotes 16484
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17860
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17289
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21385
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16790
2 Auto Insurance Quotes youcomparequotes 17253
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17472
XE Login