Home Car insurance Car insurance rates Most and least expensive trucks to insure in 2026 Most and least expensive trucks to insure in 2026 Truck insurance averages $240 per month, but costs can range widely depending on the model. Factors like repair costs, safety features and vehicle value play a major role in what you’ll pay. View Carriers Please enter valid zip Compare top carriers in your area Written by Maryalene LaPonsieMaryalene LaPonsieStaff WriterMaryalene LaPonsie is a staff writer for Insure.com. She has 25 years of professional writing experience. She specializes in personal finance -- insurance, investing and retirement. | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILE | Expert insight from Lauren McKenzieLauren 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.”Go to commentSee moreSee less | Updated onApril 7, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Truck insurance is more affordable than most drivers expect — but the range is wide. The average cost of full-coverage truck insurance is $240 a month, or $2,892 a year, according to Insure.com data. At the affordable end, the Jeep Gladiator averages $205 a month. At the other extreme, the GMC Hummer EV Pickup runs $382 a month. Where your truck lands depends on its value, repair costs, and how insurers assess its risk profile. Truck insurance cost calculator Get a quick insurance estimate for your pickup in just a few clicks- no hassle, no guesswork. Did you know? According to Insure.com's analysis, the cost of insuring a pickup truck differs from car insurance by 26% on average, which can result in significant savings. Select state Florida AlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Select make Ford ChevroletFordGMCHondaHyundaiJeepNissanRamRivianTeslaToyota Select model F-150 Platinum F-150 King RanchF-150 LariatF-150 Lightning FlashF-150 Lightning LariatF-150 Lightning PlatinumF-150 Lightning ProF-150 Lightning XLTF-150 PlatinumF-150 RaptorF-150 STXF-150 TremorF-150 XLF-150 XLTF-250 SD King RanchF-250 SD LariatF-250 SD PlatinumF-250 SD XLF-250 SD XLTF-350 SD King RanchF-350 SD LariatF-350 SD PlatinumF-350 SD XLF-350 SD XLTF-450 SD King RanchF-450 SD LariatF-450 SD PlatinumF-450 SD XLF-450 SD XLTMaverick LariatMaverick LoboMaverick TremorMaverick XLMaverick XLTRanger LariatRanger RaptorRanger XLRanger XLT Calculate Average insurance cost for model $3,364 / yr. OR $280 / mo. Recalculate CompanyAverage annual premiumAverage monthly premium Ready to see your personalized offers? Unlock exclusive rates from top carriers now. View my offer Recalculate Shopping for a truck? Factor insurance into the sticker price Get insurance quotes on your top two or three truck models before you buy — premiums can vary by more than $2,000 a year between models Electric and hybrid trucks tend to cost significantly more to insure than gas-powered equivalents due to higher repair and parts costs A more practical, lower-powered model can meet the same needs as a performance truck and save you hundreds a year in premiums Compare at least three quotes from different carriers for the same model — insurer pricing varies significantly for trucks How much does truck insurance cost per month? Full-coverage truck insurance averages $240 a month, or $2,892 a year, according to our data. That figure is higher than the national average for cars, but the gap varies significantly by brand and model. Practical, lower-powered trucks with widely available parts tend to sit well below the average, while electric, hybrid, and performance models push well above it. Your actual rate will depend on your age, driving history, location, coverage level, and the specific make and model you drive. Which truck brands are the most expensive to insure? Electric truck brands lead the most expensive list by a significant margin. Tesla averages $4,415 a year to insure and Rivian averages $4,002 — both driven by high vehicle values and expensive repair costs. Among traditional truck brands, Ram and Ford are the priciest. Truck brandsAverage annual premiumTesla$4,415Rivian$4,002Ram$2,974Ford$2,905GMC$2,887Chevrolet$2,774Toyota$2,758Hyundai$2,613Honda$2,547Nissan$2,539Jeep$2,460 Powered by: Electric trucks carry a premium that goes beyond the sticker price The Tesla Cybertruck and GMC Hummer EV Pickup are the two most expensive trucks to insure in 2026 — not just because of their purchase price, but because repairs are costly, parts are specialized, and replacement costs are high. If you’re considering an electric truck, build the insurance premium into your total cost of ownership calculation before you commit. Which truck brands are the cheapest to insure? Jeep, Nissan, and Honda consistently rank among the most affordable truck brands to insure. These models tend to use widely available parts, have lower repair costs, and carry lower vehicle values than performance or electric alternatives. Truck brandsAverage annual premiumJeep$2,460Nissan$2,539Honda$2,547Hyundai$2,613Toyota$2,758Chevrolet$2,774GMC$2,887Ford$2,905Ram$2,974Rivian$4,002Tesla$4,415 Powered by: What to read next The most expensive and cheapest cars to insure in 2026 Car insurance estimate by model 2026 Car insurance mileage brackets: How your annual mileage affects your premiums The most and least expensive states for car insurance Average car insurance rates by age and gender Factors that affect your car insurance rates Who should be listed on your car insurance policy? What is car insurance? A simple guide to how coverage works and what you need Average car insurance cost in 2026 How much does car insurance cost a month in 2026? Car insurance for women High-performance cars with affordable insurance rates Most and least expensive convertibles to insure Cheap car insurance buying guide: How to get affordable coverage Compare and shop auto insurance How to buy cheap car insurance for a new car Show more Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now What are the cheapest trucks to insure overall? The Jeep Gladiator is the cheapest truck to insure in 2026 at $2,460 a year, or $205 a month. The Ford Maverick, Nissan Frontier, Toyota Tacoma, and Chevrolet Colorado round out the top five most affordable models. These trucks share a common profile: moderate vehicle values, standard parts, and straightforward repair costs. Graph Table Truck modelAverage annual premiumAverage monthly premiumJeep Gladiator$2,460$205Ford Maverick$2,488$207Nissan Frontier$2,539$212Toyota Tacoma$2,542$212Chevrolet Colorado$2,546$212Honda Ridgeline$2,547$212GMC Canyon$2,558$213Ford Ranger$2,564$214Hyundai Santa Cruz$2,613$218Ram 1500$2,691$224Ford F-150$2,696$225Chevrolet Silverado 1500$2,724$227Toyota Tundra$2,777$231Toyota Tacoma Hybrid$2,779$232GMC Sierra 1500$2,793$233Chevrolet Silverado HD$2,806$234Ford Ranger Raptor$2,871$239Chevrolet Silverado ZR2$2,948$246GMC Sierra HD$2,959$247Ford F-150 Raptor$3,004$250Ram HD$3,012$251Ford Super Duty$3,018$251Ford F-150 Lightning$3,064$255Toyota Tundra Hybrid$3,175$265Chevrolet Silverado EV$3,526$294 Powered by: What are the most expensive trucks to insure overall? The GMC Hummer EV Pickup tops the list at $4,585 a year — nearly double the truck insurance average. The Tesla Cybertruck and Rivian R1T follow close behind. Electric and hybrid models dominate the upper end of the pricing spectrum, largely due to higher vehicle values, specialized parts, and elevated repair costs. Graph Table 25 Most expensive trucksAverage annual premiumAverage monthly premiumGMC Hummer EV Pickup$4,585$382Tesla Cybertruck$4,415$368Rivian R1T$4,002$333GMC Sierra EV$3,615$301Chevrolet Silverado EV$3,526$294Toyota Tundra Hybrid$3,175$265Ford F-150 Lightning$3,064$255Ford Super Duty$3,018$251Ram HD$3,012$251Ford F-150 Raptor$3,004$250GMC Sierra HD$2,959$247Chevrolet Silverado ZR2$2,948$246Ford Ranger Raptor$2,871$239Chevrolet Silverado HD$2,806$234GMC Sierra 1500$2,793$233Toyota Tacoma Hybrid$2,779$232Toyota Tundra$2,777$231Chevrolet Silverado 1500$2,724$227Ford F-150$2,696$225Ram 1500$2,691$224Hyundai Santa Cruz$2,613$218Ford Ranger$2,564$214GMC Canyon$2,558$213Honda Ridgeline$2,547$212Chevrolet Colorado$2,546$212 Powered by: Are trucks cheaper to insure than cars? In most cases, yes. The national average for truck insurance is $2,892 a year, compared to $3,798 for cars — making trucks about 31% less expensive to insure on average. The difference is even more pronounced at the brand level. Chevrolet trucks, for example, average $2,774 a year compared to $3,927 for Chevrolet cars — a difference of $1,153. MakeCar averageTruck averageNissan$3,131$2,539Honda$3,002$2,547Hyundai$3,225$2,613Toyota$3,033$2,758Chevrolet$3,927$2,774Ford$3,461$2,905Tesla$4,436$4,415 Powered by: Source: Insure.com rate analysis Several factors explain why trucks often cost less to insure than cars from the same brand: Lower repair costs. Many trucks use sheet metal or aluminum panels that are cheaper and easier to repair. Parts are widely available and less specialized than those on many sedans and luxury cars Built-in safety from size. Trucks tend to absorb crash impact better than smaller vehicles, which can translate to fewer severe injury claims and lower premiums Lower-risk use patterns. Trucks are common in rural and agricultural areas where traffic density and accident rates are lower Simpler base models. Many trucks prioritize durability over advanced technology, meaning fewer complex features to repair or replace after a claim Your truck might cost less to insure than your last car If you’re switching from a car to a truck, don’t assume your premium will go up. For most major brands, trucks are significantly cheaper to insure than their car counterparts from the same manufacturer. Run a quote before you assume the worst. How does truck insurance compare to SUV insurance? Trucks cost slightly more to insure than SUVs on average. Full-coverage truck insurance averages $2,892 a year, compared to $2,664 for SUVs — a difference of $228, or about 9%. FactorAverage annual premiumTrucks$2,892SUVs$2,664Difference$228 (9%) Powered by: The gap is relatively modest, and the right choice between a truck and an SUV should factor in far more than insurance cost alone — including towing needs, cargo capacity, fuel economy, and how you plan to use the vehicle day to day. What factors affect truck insurance rates? Insurers don’t price truck insurance based on size alone. Several factors specific to the truck — and to you as a driver — determine what you’ll pay. Vehicle value. Higher-value trucks cost more to replace after a total loss, which raises the comprehensive and collision portions of your premium Repair and parts costs. Trucks with specialized or hard-to-source parts, including electric and hybrid models, tend to carry higher premiums Theft rates. Certain makes and models are targeted by thieves more frequently, which affects comprehensive coverage pricing Safety features. Advanced driver assistance systems can lower premiums by reducing the likelihood of at-fault accidents Your driving record. Accidents, tickets, and claims history affect your rate regardless of what you drive Your location. Urban ZIP codes with higher accident rates, theft, and severe weather typically carry higher premiums than rural areas Natural disasters. Insurers factor in catastrophic event risk by region “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,” says Lauren McKenzie, Senior Agent, A Plus Insurance. The trim level you choose affects your premium more than you might think A base F-150 and an F-150 Raptor carry very different insurance costs — $2,696 versus $3,004 a year. Before upgrading to a higher trim for features you may rarely use, check how much it adds to your annual insurance premium. The difference can be several hundred dollars a year. Don’t forget to budget for truck insurance The sticker price is only part of what a truck will cost you. Insurance is an ongoing expense that varies significantly by model, and choosing a truck without factoring in coverage costs can leave you paying more than you planned. Before you shop, compare insurance quotes on the specific models you’re considering — not just the brand. A more practical model may serve your needs just as well and save you hundreds of dollars a year in 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,” says Lauren McKenzie, Senior Agent, A Plus Insurance. 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.” Frequently Asked Questions Are trucks cheaper to insure than cars? Generally, yes. Truck insurance averages $2,892 a year nationally, compared to $3,798 for cars — about 31% less. Trucks tend to have lower repair costs, widely available parts, and are often used in lower-risk rural environments. How much does it cost to insure a truck? The national average for full-coverage truck insurance is $240 a month, or $2,892 a year. Your actual rate will depend on the specific model, your driving history, your location, and the coverage levels you choose. What are the cheapest trucks to insure? The Jeep Gladiator is the cheapest truck to insure in 2026 at $2,460 a year, followed by the Ford Maverick at $2,488, the Nissan Frontier at $2,539, the Toyota Tacoma at $2,542, and the Chevrolet Colorado at $2,546. What is the most expensive truck to insure? The GMC Hummer EV Pickup is the most expensive truck to insure in 2026, averaging $4,585 a year. The Tesla Cybertruck ($4,415) and Rivian R1T ($4,002) are close behind, with electric trucks dominating the top of the cost range. Why is truck insurance so expensive for electric models? Electric trucks like the GMC Hummer EV and Tesla Cybertruck carry higher premiums because they have higher vehicle values, specialized parts that cost more to repair or replace, and longer repair times than conventional gas-powered trucks. Maryalene LaPonsieStaff Writer . .Maryalene LaPonsie is a staff writer for Insure.com. She has 25 years of professional writing experience. She specializes in personal finance -- insurance, investing and retirement. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does truck insurance cost per month?Which truck brands are the most expensive to insure?Which truck brands are the cheapest to insure?What are the cheapest trucks to insure overall?What are the most expensive trucks to insure overall?Are trucks cheaper to insure than cars?How does truck insurance compare to SUV insurance?What factors affect truck insurance rates?Don't forget to budget for truck insuranceWhat our expert saysFrequently Asked Questions ZIP Code Please enter valid ZIP See rates (844) 645-3330