The death is the second to occur on Northland roads in the past four days.
Northland Serious Crash Unit investigator Steve Chamberlain said the man was driving a BMW along Otiria Rd toward Moerewa on Wednesday night when it failed to make a corner and hit a culvert, throwing him from the car.
Serious crash unit analyst Jeff Cramp said the driver died at the scene from critical injuries received when the truck crashed head-on into trees.
Police were still investigating the crash but understood the truck had crossed the centre line and road before crashing into the bank. The cab was completely destroyed.