Most and least expensive trucks to insure in 2026

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Trucks are large, versatile vehicles — great for towing, a lifesaver on moving day, and dependable in rough weather. While you might think these powerful road haulers cost a fortune to insure, our research shows many actually cost less to cover than sedans.

Our latest data shows that the average cost to insure a pickup truck in the U.S. for full coverage is $222 per month, or $2,669 per year. That’s about 17% less than the national average for full-coverage car insurance, which is $3,232 annually.

What you pay for truck insurance depends on a mix of factors, like the make and model, safety features, repair costs, engine size, and even theft rates. Your age, driving history, location, and the coverage you choose can also make a big difference.

When it comes to the lowest rates, the Ford Maverick leads the pack at $177 per month or $2,118 per year, followed by the Ford Ranger at $180 per month or $2,156 per year and the Nissan Frontier at $184 per month or $2,209 per year.

On the pricier side, the GMC Hummer EV Truck $343 per month or $4,111 per year, the Ram 1500 TRX comes in at $271 per month or $3,255 per year, and the Ford Super Duty averages $235 per month or $2,815 per year.

Learn more about how different makes and models stack up, plus tips for keeping your truck insurance costs in check.

Our take on the cost of truck insurance

Insurance rates have been on the rise since last year, growing to double-digit increases in most states. While it’s easy to lament the impact this can have on your pocketbook, it’s essential to understand how premiums are calculated and what you can anticipate paying based on personal factors and your vehicle’s make and model.

Lauren Mckenzie, ​​an insurance broker with A Plus Insurance, says car insurance pricing fluctuates continuously, similar to any market over time. She says various factors contribute to cost changes, but one factor over the past couple of years has led to significant rate spikes – inflation. 

“Inflation significantly impacts insurance costs across all vehicle categories, as the expenses associated with vehicle repairs, medical treatments, and legal proceedings have experienced escalations, resulting in a nationwide uptick in premiums,” she says.

Finding the cheapest trucks to insure comes down to identifying your needs and budget, checking out more standard models versus those with all the bells and whistles, doing your research and shopping around for your best options.

How much does truck insurance cost per month?

It costs an average of $222 per month to insure a truck or $2,669 annually. However, how much you actually pay will vary depending on your age, driving history, location and insurance company, as well as your truck’s model, 

Which truck brands are the most expensive to insure?

As with all vehicle types, some trucks are more expensive to insure than others. Ford trucks are the most expensive, costing an average of $2,767 per year. 

The table below highlights the average costs to insure different types of trucks.

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Which truck brands are the cheapest to insure?

Insurance costs vary by truck model — and Honda trucks consistently rank among the most affordable to insure.

The table below highlights the average costs to insure different types of trucks. 

The cheapest trucks to insure overall

The list of the most affordable trucks to insure includes two Ford trucks (Maverick and Ranger), the Nissan Frontier, the Honda Ridgeline and the Chevrolet Colorado. However, how much you’ll pay for truck insurance monthly varies. The cheapest starts at $177 monthly and ranges to $194 monthly for the cheapest models. 

Ford takes the lead for the cheapest average annual premiums. Two of its models are in our top 10 most affordable rates — the Maverick and Ranger.

The Nissan Frontier comes in third behind Ford’s Maverick and Ranger, with an average annual premium of $2,209. It is followed by the Honda Ridgeline, with an average annual premium of $2,317, and the Chevrolet Colorado, with an average annual premium of $2,327.

The most expensive pickup trucks to insure overall

The list of the most affordable trucks to insure includes the GMC Hummer EV, the Ram 1500 TRX, the Ford Super Duty and the Ram HD. On average, truck insurance ranges from $343 to $221 monthly for the top 10 most expensive pickup trucks in our listing. 

Ford takes the lead for the priciest average annual premiums. Three of its models are in our top 10 most expensive rates — the Ford Super Duty, Ford F-150 Lightning and Ford F-150 Raptor, ranging from $2,815 to $2,648 annual average premiums. 

Four Ram pickups also make our most expensive trucks to insure list — the 1500 TRX, HD and 1500 and 1500 classic models. They have an average annual premium of $3,255 to $2,525. 

Below is a list of the most expensive trucks to insure.

Are trucks cheaper to insure than cars?

Trucks are generally more affordable to insure than cars. The national average for truck insurance premiums is $2,669 annually, while car insurance averages $3,232, resulting in a 21% savings for truck owners.

This cost advantage stems from several factors that make trucks less expensive to insure than cars. For one, many trucks have standard parts that are less expensive to repair than sedans. Due to their size and frame, trucks also have a higher safety crash impact.

Some other common considerations that impact truck premium rates include:

• Affordable repairs: Trucks typically are made of sheet metal or aluminum, which are more affordable parts to replace or repair should your truck need it. These types of parts are also more readily available.
• Larger frames: In general, pickup trucks are some of the larger vehicles on the road. Trucks are often safer for occupants when involved in a car accident because they absorb crash impact better than a car. This can create cheaper premiums for trucks. 
• Rural staple: Trucks serve a large need in rural, ranching and farming communities. Their larger back areas and towing capabilities are necessary for those working on their properties. From an insurance standpoint, this creates a lower risk of accidents, including fewer traffic incidents on country roads, bringing premium costs down. 
• Standard models: Many pickup trucks traditionally were made for durability, towing, hauling and work reliability. These base models often don’t include the same technology and automatic features that most sedans have. When it comes to repairs or part replacements, standard models are more affordable to insure because of these differences.

However, truck premiums are trending slightly higher than last year. This could be attributed to assessed risks when determining premiums, such as vehicle value, theft, safety features, estimated repair and replacement costs and crime rates for specific makes and models. McKenzie says that natural disasters and catastrophes, such as hurricanes, floods and wildfires, also impact insurance rates. 

“These calamities have inflicted substantial damage on both vehicles and infrastructure, thereby escalating insurance claims. In response to large volumes of claims and heightened payout amounts, insurance firms are compelled to recalibrate premiums for all policyholders within affected ZIP codes and surrounding regions, ensuring the maintenance of financial stability,” she says.

How car and truck insurance costs compare

Insurance costs often differ between cars and trucks, even within the same brand. For example, Chevrolet trucks average about $2,490 yearly compared to $3,371 for its cars, roughly $881 less. Ford shows a smaller gap, with trucks averaging $2,767 versus $2,901 for cars. The table below highlights how car and truck insurance premiums compare across major brands.

How truck insurance stacks up against SUV insurance

Although trucks and SUVs are both large vehicles, trucks tend to come with higher insurance costs than SUVs. On average, SUVs cost $2,553 per year to insure, which is around 5% less than the average cost of truck insurance. 

The table below breaks down the differences in truck vs SUV insurance costs. 

Don’t forget to budget for truck insurance

Whether you’re purchasing a truck for work, as a secondary hunting vehicle, or for your off-road adventures, it’s important to consider the cost of coverage before buying. Knowing which trucks are the cheapest — and most expensive — to insure can help you choose one that fits your budget.

Most insurance premiums are assessed by risk, the price of the vehicle and personal factors, such as driving history, age and gender and where you live. It’s a good idea to compare at least three truck insurance premiums on several makes and models you are interested in before shopping for your new pickup and insurance policy. 

It may also help create a list of what’s essential in a pickup truck for your needs and compare costs to find the best option. A more affordable truck may meet your needs and save you on your annual premiums. 

“Truck owners, like any driver looking for insurance, should shop around multiple insurance companies to compare several quotes. Each company is slightly different with coverage options and applicable discounts that may help lower the premium for truck owners,” McKenzie says.

What our expert says

Q: Why is truck insurance so expensive?

Lauren McKenzieInsurance broker/agent, A Plus Insurance.

“These calamities [natural disasters] have inflicted substantial damage on both vehicles and infrastructure, thereby escalating insurance claims. In response to large volumes of claims and heightened payout amounts, insurance firms are compelled to recalibrate premiums for all policyholders within affected ZIP codes and surrounding regions, ensuring the maintenance of financial stability.”

Resources & Methodology

Methodology

Insure.com editors in 2025 collected rates from Quadrant Information Services for a 40-year-old male carrying a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.  We analyzed 67,566,780 insurance quotes from 57 companies for 1,661 makes and models nationwide. The rates are for comparison purposes only; your exact rates may vary.

Katrina Raenell

Contributing Researcher

 

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Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.