Truck Insurance
Coverage for pickup trucks and personal-use trucks.
Typical cost: $1,400 – $3,000 per year
Pickup Truck Insurance
Pickup truck insurance covers personal-use trucks for liability, collision, and comprehensive losses. Full-size trucks can be expensive to insure due to their size, repair costs, and theft rates—especially popular models like the Ford F-150 and Chevy Silverado.
Personal vs. Commercial Use
Personal auto policies cover trucks used for commuting and personal activities. If you use your truck for business—hauling materials, making deliveries, or contractor work—you may need a commercial auto policy. Business use on a personal policy can void your coverage.
Towing and Accessories
If you tow trailers, boats, or campers, ensure your policy covers towing liability. Aftermarket accessories like lift kits, toolboxes, and bed covers may need separate coverage or a scheduled endorsement.
What's covered
Liability Coverage
Covers damage you cause—important for heavier vehicles like trucks.
Collision Coverage
Pays to repair your truck after accidents.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and collisions with animals.
Towing Coverage
Liability for trailers and cargo you tow behind your truck.
Custom Equipment
Covers aftermarket accessories and modifications.
Tips
- • Disclose any business use to ensure coverage applies
- • Add custom equipment coverage for aftermarket accessories
- • Consider higher liability limits for heavy trucks
- • Anti-theft systems reduce theft premiums on popular models
- • Bundle policies for multi-vehicle and homeowner discounts
Other auto insurance types
Sedan Insurance
Coverage options for standard passenger sedans.
SUV Insurance
Insurance for sport utility vehicles and crossovers.
Electric Vehicle Insurance
Specialized coverage for EVs including battery protection.
Classic Car Insurance
Agreed-value coverage for vintage and collector vehicles.
Teen Driver Insurance
Coverage options and savings tips for young drivers.
Rideshare Insurance
Gap coverage for Uber, Lyft, and other rideshare drivers.
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