What Insurance Companies Cover Lifted Trucks?

Insurance companies that cover lifted trucks include Progressive, State Farm, Allstate, Geico, Farmers, USAA, American Modern, and Hagerty. A lift kit and aftermarket parts are not covered by a standard policy on their own. You add Custom Parts & Equipment (CPE) coverage and raise the limit, because a base policy includes only about $1,000–$2,500 of CPE.

This guide names the insurers that write policies for lifted and modified trucks, explains how to insure the lift kit itself, and shows what coverage costs in 2026.

Do insurance companies cover lifted trucks?

Most carriers will insure a lifted truck. The truck still qualifies for liability, collision, and comprehensive coverage like any other vehicle.

What they often exclude is the lift kit and other aftermarket parts. A standard policy pays to restore your truck to its factory build, so a damaged aftermarket steel bumper gets replaced with a factory bumper, not the part you paid for. To protect the upgrades, you add CPE coverage and set a limit that matches what you spent. [Source]

Tell your insurer before you modify the truck. Hiding a lift can get a claim denied or your policy canceled for misrepresentation.

What insurance companies cover lifted trucks?

These carriers write personal auto policies for lifted and modified trucks and offer custom-parts coverage you can add.

1. Hagerty (collectible and show trucks)

Hagerty insures modified, custom, and show trucks on agreed-value terms, so you and Hagerty set the payout before a loss. Build quality varies, so expect to send photos and receipts before it issues a policy. [Source]

2. Progressive

Progressive offers a custom parts and equipment add-on, with a limit around $5,000, on top of standard auto coverage. It is the largest commercial auto insurer in the United States. [Source]

3. State Farm

State Farm is the largest auto insurer in the United States and writes coverage for modified trucks. Ask your agent to add equipment coverage for the lift kit and aftermarket parts.

4. Allstate

Get a quote at Allstate.com. Allstate covers lifted trucks and sells optional custom-equipment coverage you can stack on a standard policy.

5. Geico

Geico is a private American auto insurer based in Chevy Chase, Maryland, and one of the five largest in the country. It insures lifted trucks; confirm aftermarket-part coverage when you quote.

6. Farmers

Farmers writes personal auto policies for modified trucks and offers a customized equipment add-on for parts like lift kits, wheels, and bumpers.

7. USAA

USAA covers lifted trucks and includes aftermarket parts in repair estimates on many policies. USAA is open only to active military, veterans, and their families. [Source]

8. American Modern

American Modern specializes in modified and specialty vehicles and includes $2,000 of spare-parts coverage as standard, four times the $500 most carriers offer. [Source]

Other carriers worth a quote

Several large insurers also write modified-truck policies. Get a quote and confirm the custom-parts limit before you buy.

Safeco, part of Liberty Mutual, is one of the largest personal-lines insurers in the country and covers lifted trucks.

National General, an Allstate company, is a property and casualty insurer that writes coverage for modified trucks.

American Express does not sell personal auto policies. It only offers rental-car damage coverage as a card benefit, so it cannot insure your lifted truck. [Source]

AXA XL writes commercial and fleet auto coverage, not personal lifted-truck policies, so it is not a fit for a personal build. [Source]

Liberty Mutual is a top-six property and casualty insurer in the United States and covers modified trucks through its standard auto policies.

Is my lifted truck covered?

Your coverage depends on your policy. Three things can happen:

• Full denial. Some insurers will not cover heavily modified trucks at all.
• Truck covered, parts excluded. Most carriers cover the truck but leave out aftermarket parts and any damage they cause.
• Truck and parts covered. The insurers above will cover the lift and aftermarket parts once you add CPE coverage.

Expect your premium to rise. The more it costs to repair your build, the more it costs to insure. Ask your provider to add custom-parts coverage so you are not stuck with the repair bill on the lift kit.

Will auto insurance cover a lifted pickup truck?

Without CPE coverage, your insurer will not pay for a damaged lift kit or non-OEM parts. Costs tied to a suspension lift or other aftermarket parts fall on you. Call your agent to confirm what your policy includes.

A lift kit can sometimes be covered indirectly. You, the body shop, and the insurance adjuster rework the repair estimate on part prices and labor. Every estimate is different and leaves room to adjust.

If another driver hits you and is at fault, their liability coverage must restore your truck to its pre-loss condition. That includes replacing damaged parts like a lift kit.

How do you insure the lift kit and aftermarket parts?

Modifying a truck is not cheap. Lift kits and wheels run into the thousands once installed. Steel bumpers, winches, stereo systems, and engine upgrades add more. A standard policy will not pay to replace any of it unless you buy extra coverage.

Add Custom Parts & Equipment (CPE) coverage. CPE is the endorsement that covers permanently installed aftermarket parts: lift kits, custom wheels, bumpers, lighting, audio, and custom paint. A base policy includes only about $1,000–$2,500 of CPE, so raise the limit to match what you spent. Limits commonly run from $5,000 up to $20,000 or more, depending on the insurer. [Source]

CPE coverage has limits to watch:

• Each insurer caps the endorsement. The cap can be high or low, so check the number.
• There may be a separate deductible on top of your standard one.
• Some policies pay only the actual cash value of your parts (used price), not the replacement value (new price).
• Installation labor on your add-ons may not be covered.
• Illegal modifications are never covered: emissions defeat devices, banned off-road parts, illegal window tint.

Ask your agent to walk through scenarios. What gets paid if the truck is totaled? What if only the lift kit is damaged? How is the payout figured? What documentation do you need?

What does insurers’ 2026 underwriting check on lifted trucks?

Carriers now run visual risk audits at renewal. If your renewal notice asks for four-corner photos and an odometer reading, an underwriter is reviewing your build. Lifts over about 2 inches often get flagged for manual review, and some owners have had renewals declined after the photos showed a suspension lift. [Source]

Keep photos and receipts of the build on hand. They speed up underwriting and back up an agreed-value claim.

Your lift also has to be legal where you drive. Lift-height and bumper-height rules are set by each state and vary a lot. Georgia caps suspension lifts at 2 inches, Colorado at 4 inches, while Texas and North Carolina set no lift limit. Many insurers require the build to meet state code. Check your state’s rules before you raise the truck. [Source]

How much does lifted truck insurance cost?

A mild lift on a personal-use truck runs about $1,000–$2,500 a year. High-value show builds often land between $2,500 and $4,000 or more, driven by the cost and value of the parts. A CPE endorsement on its own averages around $100 a year, plus roughly 10% of your modifications’ value. [Source]

Base premiums also vary by truck. Below are average monthly auto rates by make and model. Lift and aftermarket parts add to these figures.

Average Monthly Truck Insurance Rates by Vehicle Make and Model

Source: J. D Power

Get a quote from two or three of the insurers above and compare both the premium and the custom-parts limit before you buy.

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