Are Trucks More Expensive to Insure? (2025)
Some pickup trucks are cheaper to insure than sedans, Insurify data suggests.
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The average cost of car insurance in the U.S. is $138 per month. Trucks cost about $151 per month to insure, while sedans average around $174, based on Insurify data. Although trucks cost slightly less to insure than cars, many factors can affect rates, like safety features, make and model, and your ZIP code.
Here’s what you need to know about truck insurance costs.
Quick Facts
The Ford F-150 is one of the cheapest full-size pickups to insure.
Vehicle repair costs can influence insurance rates.
Liability-only rates are comparable between many pickup trucks and sedans.
Average cost of car vs. truck insurance
Insuring a car costs more than insuring a truck, even though trucks typically have higher suggested retail prices. For example, the Ford F-150 truck has a starting MSRP of $37,065 and costs around $191 per month for full coverage, on average. But if you choose a top-selling sedan like a Toyota Camry — which has a much lower starting MSRP of $26,420 — you’ll pay an average of $223 for full-coverage insurance.
Multiple factors affect average car insurance rates, including safety features. In the case of these two popular vehicles, the F-150 likely costs less to insure than the Toyota sedan thanks to its higher IIHS safety rating.[?]
Vehicle  | MSRP | Liability-Only Rate | Full-Coverage Rate |
|---|---|---|---|
| Ford F-150 | $37,065 | $102 | $191 |
| Toyota Camry | $26,420 | $106 | $223 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of truck insurance for popular models
The average cost of truck insurance for eight popular models is $103 per month for liability-only insurance and about $199 for full-coverage insurance. Some larger trucks, like the 2024 Ram 1500, cost slightly more to insure, while smaller trucks typically cost less.
The 2024 Ford Ranger has the lowest insurance rates on average. It’s smaller than the Ford F-150 and comes with a lower starting cost, which could explain why it’s cheaper to insure. The Ranger also has a lower towing capacity. This limits how the truck can be used, potentially reducing risky activities and rates.
The below table shows the average insurance costs for popular truck models.
Vehicle | Liability-Only Rate | Full-Coverage Rate |
|---|---|---|
| Ford F-150 | $102 | $191 |
| Chevrolet Silverado | $105 | $203 |
| Ram 1500 | $108 | $227 |
| GMC Sierra | $103 | $204 |
| Toyota Tacoma | $101 | $190 |
| Ford Ranger | $101 | $187 |
| Honda Ridgeline | $104 | $201 |
| Toyota Tundra | $101 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of car insurance for popular models
The average cost of insurance for many popular car models is usually higher than getting truck insurance. For instance, with the Tesla Model 3, you’ll pay more for full coverage than you would for a Toyota Tacoma truck. This is especially true for electric vehicles and hybrids. Insuring popular SUVs, like the Nissan Rogue, can sometimes be slightly more pricey than truck insurance, too.
Here’s a closer look at average sedan and small SUV liability-only and full-coverage rates.
Vehicle | Liability-Only Rate | Full-Coverage Rate |
|---|---|---|
| Tesla Model Y | $118 | $321 |
| Toyota RAV4 | $99 | $184 |
| Honda CR-V | $98 | $169 |
| Toyota Camry | $106 | $223 |
| Tesla Model 3 | $119 | $363 |
| Nissan Rogue | $102 | $195 |
| Toyota Corolla | $105 | $223 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Factors that affect car insurance premiums
A vehicle’s specific model year and its safety rating are only some of the factors car insurance companies look at when determining rates. Other factors also affect average rates for insurance policies, like your age and gender, your driving record, and the type of coverage you choose.[?]
Truck vs. car insurance FAQs
Insurance costs for sedans and pickup trucks often vary based on numerous factors, like the vehicle’s make and model, coverage type, and how often you drive the vehicle. When comparing insurance rates between trucks and cars, consider the additional information below.
How much insurance do you need on your car or truck?
All U.S. states except New Hampshire require a minimum amount of liability coverage. How much insurance coverage you need beyond the state minimum depends on many factors, like your vehicle’s age, how you use the car, and how much financial protection you want. If you lease or finance the vehicle, the lender will probably require you to carry a full-coverage policy.
Do cars or trucks cost more to insure?
Cars cost more to insure, on average, according to Insurify data. Dozens of factors influence insurance rates, including the value of the vehicle, its safety features, and your driving record.
Is a 4x4 truck more expensive to insure?
It’s possible. A 4x4 truck may increase the insurance cost. These vehicle systems are more complex and have higher repair costs. Though vehicle make and model are influential, they’re not the only factors that affect car insurance rates.
What is the average insurance cost for a truck?
The average cost of truck insurance is $103 per month for a liability-only policy and $199 per month for a full-coverage policy. Your rate may be higher or lower, depending on your driving record.
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