Most and least expensive trucks to insure in 2025

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.

On average, insuring a pickup truck costs $179 per month or $2,160 per year for full coverage. That’s about 23% less than the national average for car insurance, which is $2,790 annually.

The exact price depends on the truck you drive, its safety features, repair costs, and theft rates, along with personal factors like your age, driving history, location, and coverage level.

Smaller and midsize pickups are often the most affordable to insure. The Ford Maverick averages $146 per month, the Ford Ranger averages $155 per month, and the Nissan Frontier averages $157 per month. Heavy-duty models tend to cost more, with the Ford F-450 averaging $251 per month, the Ram 1500 TRX averaging $214 per month, and the Nissan Titan XD averaging $205 per month.

Estimate your truck insurance cost with our calculator

Want to know what insurance might cost for your own truck? Our calculator makes it simple. Just select your state, make, and model, and you’ll instantly see:

• The average insurance rate for that truck in your state
• A breakdown of what a few top insurance companies charge on average

This tool gives you a quick snapshot of how your truck stacks up cost-wise, so you can budget more accurately and compare quotes with confidence.

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 truck insurance costs per month

On average, it costs $179 per month to insure a truck. For the year, it costs an average of $2,152 per year to insure a truck. 

What to read next

Car insurance basics: What is car insurance? 

Determining which drivers should be listed on your car insurance policy

How does mileage affect car insurance rates in 2025?

How much does car insurance cost a month in 2025?

The most and least expensive states for car insurance in 2025

The most expensive and cheapest cars to insure in 2025

Average car insurance cost in 2025

Car insurance estimate by model 2025

Average car insurance rates by age and gender

Factors that affect your car insurance rates

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

Why you must insure all the cars you own

Car insurance for women

Car insurance rates by ZIP code

Auto insurance quotes comparison - How and why you should compare car insurance rates?

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

Which truck brands are the most expensive to insure?

As with all vehicle types, some trucks are more expensive to insure than others. Ram trucks are the most expensive to insure, with an average cost of $2,233 per year. 

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

Which truck brands are the cheapest to insure?

Some trucks are more affordable to insure than others. Hyundai trucks tend to be the cheapest trucks 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 Toyota Tacoma, the Nissan Frontier and the Hyundai Santa Cruz. However, how much you’ll pay for truck insurance monthly varies. The cheapest starts at $146 monthly and ranges to $162 monthly for the cheapest models. 

Ford takes the lead for the cheapest average annual premiums. Three of its models are in our top 10 most affordable rates — the Maverick, Ranger and F-150, ranging from $1,746 to $1,959 per year. 

The Nissan Frontier comes in third behind Ford’s Maverick and Ranger, with an average annual premium of $1,885, followed by the Toyota Tacoma at an average annual premium of $1,917 and the Hyundai Santa Cruz at $1,941.

The Ford Maverick 

The cheapest Ford to insure in 2024, out of the two that made the top of the list, is the Maverick. 

Introduced in 2022, this newer pickup truck model received high marks for safety from the Insurance Institute for Highway Safety (IIHS) and four out of five overall stars from the National Highway Traffic Safety Administration (NHTSA). 

In addition to safety ratings, reviews commend the Ford Maverick for its off-road performance, 1,500-2,000 pound towing capability, hybrid drivetrain option and reasonable purchase price point. With the hybrid option, there are also gas mileage savings. 

However, critics say the Maverick’s ride is bumpy and that the interior’s hard plastic panels surrounding the seats can be uncomfortable over choppy roads. Additionally, there are limited adjustment options between the driver’s seat and the steering wheel. 

Ford Ranger 

The midsize Ford Ranger pickup comes in second in our cheapest trucks to insure. It received top overall ratings from the IIHS for its safety features and four out of five overall stars from the NHTSA.

Some of its best features in addition to its towing capabilities and twin-turbo-charged engine, is its Sync 4A system offering audio and stereo system features, including Wi-Fi, navigation, wireless charging, satellite radio and a 360-degree camera system. It also offers trailer and parking assist features that provide automated steering and self-parking.

Critics say the Ranger doesn’t provide the smoothest ride on uneven pavement and has limited in-cabin storage. Additionally, it may not stack up to its competitors’ upgrades year-over-year. 

Nissan Frontier

The Nissan Frontier, one of three Nissans on our list, offers a standard V6 engine, a technology package that features blind-spot monitoring, rear parking sensors, emergency reverse braking, an Amazon Alexa navigation system and reasonable fuel economy. It also received a four out of five star overall rating for safety from the NHTSA. 

However, critics say driver’s seating can be uncomfortable, the steering is overly heavy and there may be less rear seat space compared to other midsize crew-cab trucks.

Toyota Tacoma

Of the two Toyotas on our list, the Tacoma comes in as one of the more affordable models. Reviews commend the Tacoma’s tough and well-built structure, providing top off-road performance and traction over difficult terrain. It also comes with standard driver-assistance features, such as forward-collision and lane-departure warning technology and special mode cameras for views around the truck.

Some reviews state that Tacoma’s steering can be slow and not especially fast when the vehicle is traveling on the pavement. Additionally, braking can feel grabby and hard stops can create nosedives. 

Hyundai Santa Cruz 

The Hyundai Santa Cruz provides SUV comfort in a pickup truck. It has a standout aesthetic and provides a ride more like a car than a truck. It offers a hybrid option, which improves its fuel economy, and standard safety features, including monitoring, warnings, braking, lane-assist and a semi-autonomous driving system. 

Some reviews have also commented that its standard version has mediocre fuel economy and compromised rear visibility. 

The most expensive pickup trucks to insure overall

The list of the most expensive trucks to insure in 2024 includes three Ford F-series models, the Ram 1500 TRX, the Nissan Titan XD, and the Ram 3500. On average, insurance for these pickups ranges from $251 to $184 per month among the top 10 priciest models.

Ford leads the pack with three heavy-duty trucks in the top 10 — the F-450, F-350, and F-250 — carrying average annual premiums between $3,010 and $2,273. Ram isn’t far behind, with the 1500 TRX, 3500, and 2500 averaging $2,565 to $2,211 in yearly premiums. The Nissan Titan XD rounds out the top five at $2,464 annually.

These trucks are more expensive to insure largely because of their size, power, and repair costs. Heavy-duty models like the F-450 or Ram 3500 can cause more damage in an accident, which increases insurers’ liability risk. They also come with higher sticker prices, meaning repairs and replacements are costlier. Performance-focused models such as the Ram 1500 TRX add another layer of risk because they’re built for speed and off-road capability, which insurers associate with a higher chance of accidents or claims.

It’s also worth noting that these heavy-duty pickups aren’t in the same category as smaller, more affordable trucks like the Ford Ranger or Toyota Tacoma, which are generally cheaper to insure.

Are trucks cheaper to insure than cars?

Trucks are generally more affordable to insure than cars. In 2023, the national average for truck insurance premiums was $2,160 annually, while car insurance averaged $2,790—resulting in a 23% 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 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.

Cars are more expensive than small trucks to insure. See rates for the cheapest vehicles classified as cars by data provider Quadrant, as well as the cheapest rates for trucks, in the table below.

How car and truck insurance costs compare

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 $1.935 per year to insure, which is around 10% less than the average cost of truck insurance. 

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

How to lower your truck insurance costs

Truck insurance can be pricey — especially for larger, heavy-duty models — but there are plenty of ways to bring down your premiums without cutting corners on coverage. Here are some proven strategies:

• Shop around for quotes. Rates can vary widely between insurers, so comparing multiple companies can reveal big savings.
• Take advantage of discounts. Ask about safe driver, multi-policy, low-mileage, and anti-theft discounts. Some insurers also offer special savings for bundling your truck with a homeowners or renters policy.
• Choose a higher deductible. Opting for a higher deductible lowers your monthly premium, but make sure you can afford the out-of-pocket cost if you file a claim.
• Maintain a clean driving record. Avoiding accidents and tickets is one of the most effective ways to keep premiums down.
• Consider usage-based insurance. If you don’t drive your truck daily, a telematics program that tracks your mileage and driving habits could save you money.
• Right-size your coverage. Review your policy regularly to make sure you aren’t paying for coverage you don’t need, especially if your truck is older and has depreciated in value.

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 insurance before purchasing. Knowing the cheapest and most expensive trucks to insure in 2024 can help ensure your budget fits your needs. 

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 2024 collected rates from Quadrant Information Services for a 40-year-old male driving 1,439 makes and model trucks with a good insurance score, no violation on record, driving 12 miles commute with 10,000 annual mileage for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. We analyzed 28,561,720 insurance companies nationwide, 501 cities and 510 ZIP codes.

Katrina Raenell

Contributing Researcher

 

 . .

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.