Insurance company guidelines and rating systems may differ but in general a four wheel drive truck's insurance rates will be higher than a two wheel drive truck. This is due to the fact that a four wheel drive vehicle normally cost more and its parts if damaged can be more expensive to repair.

Your geographical location may also make a difference on the cost of insurance for a 4 wheel drive truck. For instance if you live in Texas insurance for this type of truck may not be much more than a 2 wheel drive truck since 4 wheel trucks are so prevalent that parts and mechanics for them are easier to find then say if you live in New Jersey.

To get a quote for insurance for a two or four wheel truck click here.