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Updated
Pickup trucks average $153 per month for full coverage compared to $181 for sedans, based on Insurify quote data.
On average, RAM pickups cost the most to insure in their class, according to Insurify data.
A vehicle’s manufacturer’s suggested retail price (MSRP), repair costs, and your location are the biggest factors that separate truck and car insurance premiums.
The average cost of full-coverage car insurance for a sedan is $246 per month. That’s significantly higher than the averages for SUVs and full-size pickup trucks.
Sedans are more likely to sustain damage in an accident than pickup trucks or SUVs. That’s one of the main reasons why they’re more expensive to insure. Larger vehicles are typically safer in a crash, which may limit repair costs and bodily injury liability claims.[1]
That said, how much you pay for car insurance depends on a variety of factors, like your car’s make and model, size, and MSRP. More valuable vehicles tend to have higher insurance premiums because they cost more to repair or replace after an accident.[2]
The table below shows the average costs of full-coverage and liability insurance for sedans, full-size pickup trucks, and SUVs, according to Insurify data.
Vehicle Type  | Average Monthly Cost: Full Coverage | Average Monthly Cost: Liability Coverage |
|---|---|---|
| Sedan | $246 | $116 |
| Full-size pickup truck | $197 | $108 |
| SUV | $208 | $106 |
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Average car insurance premiums vary by vehicle type, make, and model. The table below shows the average cost of car insurance for some of the most popular sedans, pickup trucks, and SUVs.
Sedan | Average Cost of Insurance |
|---|---|
| Toyota Camry | $172 |
| Infiniti Q50 | $225 |
| Kia Optima | $165 |
| Chevy Malibu | $161 |
| Volvo S60 | $155 |
Pickup Truck | Average Cost of Insurance |
|---|---|
| Ford Ranger | $132 |
| Chevy Silverado | $146 |
| Toyota Tundra | $150 |
| Jeep Gladiator | $153 |
| Toyota Tacoma | $145 |
SUV | Average Cost of Insurance |
|---|---|
| Toyota Highlander | $143 |
| Honda HR-V | $150 |
| Chevrolet Equinox | $138 |
| Ford Explorer | $140 |
| Kia Telluride | $146 |
Sedans are usually the cheapest type of vehicle to buy. Pickup trucks tend to be slightly more expensive to buy than SUVs, though prices vary by make and model.
The following table shows the MSRPs for some of the most popular sedans, pickup trucks, and SUVs on the market.
Sedan | MSRP |
|---|---|
| Toyota Camry | $29,300 |
| Infiniti Q50 | $43,050 |
| Kia Optima | $23,390 |
| Chevy Malibu | $25,800 |
| Volvo S60 | $43,795 |
Pickup Truck | MSRP |
|---|---|
| Ford Ranger | $31,503 |
| Chevy Silverado | $36,900 |
| Toyota Tundra | $41,260 |
| Jeep Gladiator | $40,015 |
| Toyota Tacoma | $32,445 |
SUV | MSRP |
|---|---|
| Toyota Highlander | $45,870 |
| Honda HR-V | $26,600 |
| Chevrolet Equinox | $28,800 |
| Ford Explorer | $35,676 |
| Kia Telluride | $39,190 |
Several factors help make trucks cheaper to insure than other vehicles, including:
Rural driving: Trucks are a popular choice for people in rural areas, where there are fewer drivers on the road and less risk of accidents or theft.
Safer in accidents: Because most trucks have body-on-frame construction, they often sustain less damage in collisions compared to sedans.
Theft rates: Only two trucks were among the top 10 most-stolen vehicles in the first half of 2025, according to the National Insurance Crime Bureau. Vehicles with lower theft rates tend to cost less to insure.
Trucks can sometimes cost more to insure than other vehicle types because of factors such as:
Vehicle size and repair costs: Trucks can cost more to repair after a collision due to their size and construction.
MSRP and trim level: Expensive pickup trucks and trucks with higher trim levels usually cost more to insure than less valuable trucks.
Aftermarket modifications: If you added aftermarket modifications to your truck or lifted it, your insurance will likely cost more.
Commercial use: Trucks used for business can be more expensive to insure. You might also need commercial auto insurance if you use your truck exclusively for business.
Get the coverage you need for your vehicle at the best price
The cheapest truck to insure is the Ford Ranger. Full coverage for the Ranger costs an average of $168 per month, according to Insurify data.
In general, lightweight trucks cost less to insure than full-size trucks. For example, liability coverage for Rangers costs an average of $95 per month, while Toyota Tundra drivers pay an average of $109.
Below, you’ll find the average car insurance premiums for different truck makes and models.
Truck Make and Model | Average Monthly Cost: Full Coverage | Average Monthly Cost: Liability Coverage |
|---|---|---|
| Chevrolet Silverado | $189 | $103 |
| Toyota Tundra | $190 | $109 |
| Chevrolet Colorado | $179 | $98 |
| Ford Ranger | $168 | $95 |
| Jeep Gladiator | $202 | $104 |
| Toyota Tacoma | $189 | $101 |
While truck insurance can be affordable, not every truck is cheap to insure. Here are some tips for saving money on your pickup truck insurance:
Ask about multi-vehicle discounts. You can often get a car insurance discount when you insure multiple vehicles on the same policy.
Enroll in a telematics program. Many insurers offer telematics programs that use your mileage or driving habits to determine your premium.
Increase your deductible. Raising your collision and comprehensive deductibles can lower your truck insurance rate. But make sure you can afford the extra out-of-pocket costs if you file a claim.
Drop coverage you don’t need. You can save money on truck insurance by dropping optional coverages you don’t need, like rental reimbursement or roadside assistance.
Compare quotes. To find the lowest truck insurance premium, get quotes from multiple insurance companies. Drivers who compare vehicle insurance rates with Insurify save an average of $1,100 per year.
Below, we answered some common questions from drivers about whether truck insurance is cheaper than car insurance.
It depends. Trucks are typically cheaper to insure than cars, but not always. Truck insurance premiums depend on factors like the make and model, MSRP, and trim level. For example, you’d likely pay more to insure a high-trim Toyota Tundra than a lower-trim Toyota Camry.
The cheapest pickup truck to insure is the Ford Ranger, based on Insurify data. The average truck insurance cost for a Ford Ranger is $168 per month for full coverage and $95 for minimum coverage.
It depends. It’s often slightly cheaper to insure a truck than an SUV. But when comparing SUV and truck insurance rates, factors like the make, model, year, and trim level can affect the cost.
It depends. Full-size truck insurance typically costs more than midsize or lightweight truck insurance. But the actual cost varies depending on the truck make and model. Your driver profile, including your age, driving record, and location, also affects your insurance costs.
Truck insurance premiums can be expensive due to high MSRPs, expensive repair costs, and aftermarket modifications. Comparing insurance quotes from several insurers can help you find cheap truck insurance.
Yes. Lifted trucks usually cost more to insure than stock trucks without modifications. That’s because vehicles with aftermarket parts and customizations typically cost more to repair and replace if you get into an accident.
Yes. Where you live has a big effect on your truck insurance rates. Premiums tend to be lower in more rural areas because they usually have less traffic and fewer thefts. Big cities tend to have more congestion and accidents, which increases insurance rates.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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