CarInsurance.com Insights
- Jeep Gladiator is the cheapest truck to insure, averaging $2,460 per year for full coverage.
- Ford Maverick and Nissan Frontier rank among the most affordable trucks for insurance.
- Truck insurance averages $2,892 annually, cheaper than SUVs and sedans.
- Travelers offers some of the lowest truck insurance rates, including $1,624 per year for the Jeep Gladiator, which is lower than the average annual premium of $2,460.
- Younger drivers pay significantly more: An 18-year-old pays $8,206 to insure a Ford Maverick vs. $2,488 for a 40-year-old.
Whether you currently own a pickup truck or are considering purchasing one, understanding car insurance premiums and ways to save should be part of your vehicle budget. The cheapest truck to insure in 2026 is the Jeep Gladiator with an average yearly premium of $2,460. Trucks as a category actually cost less to insure than sedans, at $2,892 versus $3,781 annually.
A Jeep Gladiator or Ford Maverick sits at the bottom of the range, while insurance premiums for heavy-duty models like the Ford Super Duty or Ram HD average around $3,000 a year, and full-size trucks with high repair costs or towing capacity can push premiums even higher.
Below, we break down the cheapest trucks to insure by make and model, how rates compare across top insurers, and what drives the cost so you know what to expect before you buy.
Which are the cheapest trucks to insure, by make and model?
Jeep Gladiator is the most affordable truck to insure, with an average yearly premium of $2,460. The Ford Maverick comes in second, with an average insurance cost of $2,488 per year. The Nissan Frontier is the third-cheapest, with an average annual premium of $2,539.
The 5 cheapest trucks to insure are as follows:
No. 1: Jeep Gladiator
- Cost: $2,460 per year, $205 per month
No. 2: Ford Maverick
- Cost: $2,488 per year, $207 per month
No. 3: Nissan Frontier
- Cost: $2,539 per year, $212 per month
No. 4: Toyota Tacoma
- Cost: $2,542 per year, $212 per month
No. 5: Chevrolet Colorado
- Cost: $2,546 per year, $212 per month
How much is truck insurance?
Nationwide, truck owners spend an average of $2,892 per year, or about $241 per month, for car insurance. Those figures are based on a 40-year-old driver with full coverage car insurance: 100/300/100 liability limits plus collision and comprehensive, each with a $500 deductible. Across the trucks we analyzed, average annual rates ranged from $2,460 to $4,500 or more. Liability-only coverage costs less — a full breakdown by model is below.
Liability-only vs. full coverage: Truck insurance cost comparison
Trucks have some of the biggest differences between liability-only and full coverage insurance. For example, liability-only for the Ford Ranger Raptor costs $542 a year, while full coverage is $2,871, which is more than five times higher. This trend appears in almost every truck model, although the exact difference varies by truck.
Smaller, lighter trucks usually have lower full-coverage costs. For example, full coverage for the Jeep Gladiator is $2,460, and for the Ford Maverick, it’s $2,488. Both are much less expensive than heavy-duty trucks. The Ford Super Duty has the highest full-coverage cost at $3,018 per year, and the Ram HD costs $3,012 to insure, which is $552 more than the Gladiator.
Liability-only rates don’t move nearly as much from truck to truck. Most models cluster between $540 and around $800 a year. The real separation occurs once comprehensive and collision coverage are added, since that’s when a truck’s repair costs, replacement value, and theft risk becomes relevant. A Ford Ranger Raptor costs $542 per year to insure, and a Ford F-150 costs $586 per year to insure.
The table below shows the top 10 cheapest EV truck models.
| Make & model | Liability-only annual | Liability-only monthly | Full coverage annual | Full coverage monthly |
|---|---|---|---|---|
| Jeep Gladiator | $753 | $63 | $2,460 | $205 |
| Ford Maverick | $628 | $52 | $2,488 | $207 |
| Nissan Frontier | $600 | $50 | $2,539 | $212 |
| Toyota Tacoma | $569 | $47 | $2,542 | $212 |
| Chevrolet Colorado | $584 | $49 | $2,546 | $212 |
| Honda Ridgeline | $566 | $47 | $2,547 | $212 |
| GMC Canyon | $547 | $46 | $2,558 | $213 |
| Ford Ranger | $586 | $49 | $2,564 | $214 |
| Hyundai Santa Cruz | $647 | $54 | $2,613 | $218 |
| Ram 1500 | $697 | $58 | $2,691 | $224 |
| Ford F-150 | $660 | $55 | $2,696 | $225 |
| Chevrolet Silverado 1500 | $624 | $52 | $2,724 | $227 |
| Toyota Tundra | $630 | $53 | $2,777 | $231 |
| GMC Sierra 1500 | $626 | $52 | $2,793 | $233 |
| Chevrolet Silverado HD | $696 | $58 | $2,806 | $234 |
| Ford Ranger Raptor | $542 | $45 | $2,871 | $239 |
| Chevrolet Silverado ZR2 | $602 | $50 | $2,948 | $246 |
| GMC Sierra HD | $664 | $55 | $2,959 | $247 |
| Ford F-150 Raptor | $586 | $49 | $3,004 | $250 |
| Ram HD | $753 | $63 | $3,012 | $251 |
| Ford Super Duty | $814 | $68 | $3,018 | $251 |
How has the cost of truck insurance changed over time?
The cost of insuring a vehicle rose dramatically in the wake of the COVID-19 pandemic. As drivers returned to the roads, accidents increased, and the cost of vehicles, parts and repairs soared with inflation.
According to the U.S. Bureau of Labor Statistics, the cost of car insurance rose 17.4% year over year from 2022 to 2023 and 17.8% year over year from 2023 to 2024.
Rates continued to rise from 2024 into 2025, though at a much slower pace, increasing 2.8% year over year through December 2025. From March 2025 to March 2026, the increase was less than 1%.
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What are the car insurance requirements for trucks?
In general, car and truck insurance requirements are the same. According to McKenzie, differences typically arise when leasing a vehicle versus financing or when the lender mandates specific deductibles. She says that differences in coverage result from the terms of the loan or lease agreement, rather than the type of vehicle.
Car insurance requirements typically include carrying state-mandated liability insurance, while comprehensive and collision coverage are generally optional unless mandated by a lender for a financed vehicle.
How much is insurance for a truck for an 18-year-old vs. a 40-year-old?
New drivers tend to pay more for car insurance than drivers with more miles on the road. This holds true for truck insurance costs. For example, a 40-year-old pays an average of $2,488 annually to insure a Ford Maverick. In contrast, an 18-year-old pays an average of $8,206 annually to insure the same truck.
The table below highlights the significant differences between costs for 18-year-old and 40-year-old male drivers.
How much does it cost to insure an electric pickup truck?
The GMC Hummer EV Pickup is the most expensive option on the list at $4,585 per year, or $382 per month, followed by the Tesla Cybertruck at $4,415 per year and the Rivian R1T at $4,002 per year, based on CarInsurance.com’s data analysis. Even the cheapest option on this list, the Ford F-150 Lightning, still runs $3,064 annually, showing that electric pickups remain considerably more expensive than entry-level gas trucks.
The table below shows the cheapest electric pickup trucks and their annual and monthly rates.
| Make & model | Annual premium | Monthly premium |
|---|---|---|
| Chevrolet Silverado EV | $3,526 | $294 |
| Ford F-150 Lightning | $3,064 | $255 |
| GMC Hummer EV Pickup | $4,585 | $382 |
| GMC Sierra EV | $3,615 | $301 |
| Rivian R1T | $4,002 | $333 |
| Tesla Cybertruck | $4,415 | $368 |
New vs. used trucks: Which are cheaper to insure?
A used truck is generally cheaper to insure than a new one. That’s primarily because older trucks usually have a lower replacement value than newer trucks. The less a truck is worth, the less the insurer must pay out if it’s stolen or totaled. A lower replacement value helps lower the comprehensive portion of your premium.
For example, a three-year-old truck will typically cost less to insure than a brand-new one, even when all coverage limits are the same.
Generally, insuring an older truck is more affordable than insuring a new truck. However, vehicle age is just one of many factors that insurers consider when setting rates. Make and model also make a difference, as does your chosen carrier.
If you want to keep insurance costs low, “avoid new vehicles that have a high value and high repair costs,” says Zach Lazzari, founder of Cross Border Coverage, which sells Mexican car insurance to U.S. drivers traveling south of the border.
Average annual insurance rates from top insurance companies for trucks
Insurance rates can vary not just by model but also by insurer. We’ve identified the cheapest trucks to insure and the insurance companies offering that average rate. Among the carriers we analyzed, Travelers stands out as the overall cheapest truck insurance provider.
The table below shows the average monthly, six-month and annual rates for the cheapest trucks from different insurers.
| Make & model | Cheapest company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| Chevrolet Colorado | Travelers | $1,728 | $864 | $144 |
| Chevrolet Silverado 1500 | Travelers | $1,865 | $932 | $155 |
| Chevrolet Silverado HD | Travelers | $1,842 | $921 | $154 |
| Chevrolet Silverado ZR2 | Travelers | $1,848 | $924 | $154 |
| Ford F-150 | Travelers | $1,757 | $879 | $146 |
| Ford F-150 Raptor | Travelers | $1,876 | $938 | $156 |
| Ford Maverick | Travelers | $1,648 | $824 | $137 |
| Ford Ranger | Travelers | $1,766 | $883 | $147 |
| Ford Ranger Raptor | Travelers | $1,780 | $890 | $148 |
| Ford Super Duty | Travelers | $2,025 | $1,012 | $169 |
| GMC Canyon | Travelers | $1,614 | $807 | $135 |
| GMC Sierra 1500 | Travelers | $1,912 | $956 | $159 |
| GMC Sierra HD | Travelers | $1,899 | $949 | $158 |
| Honda Ridgeline | Travelers | $1,670 | $835 | $139 |
| Hyundai Santa Cruz | Travelers | $1,780 | $890 | $148 |
| Jeep Gladiator | Travelers | $1,624 | $812 | $135 |
| Nissan Frontier | Travelers | $1,872 | $936 | $156 |
| Ram 1500 | Travelers | $1,842 | $921 | $153 |
| Ram HD | Travelers | $1,994 | $997 | $166 |
| Toyota Tacoma | Travelers | $1,761 | $881 | $147 |
| Toyota Tundra | Travelers | $1,931 | $965 | $161 |
How can you save money on truck insurance?
If you want to lower your auto insurance rate, there are a few tried-and-true methods. First, always comparison shop with multiple insurance companies, since each has its own criteria for setting rates. Bundling home and auto insurance can often earn you a discount, too.
Never let your insurance lapse, as a lapse in coverage is a certain path to higher rates. Beyond that, choosing a mid-size or compact truck instead of a full-size model can help you save hundreds of dollars per year, even before any discounts are applied.
Finding the cheapest car insurance for your truck is one way to save, so shop around. Our CarInsurance.com rate analysis has shown that some of the best insurance companies for truck owners are Travelers, Erie Insurance and Auto-Owners, but it may be worth it to contact other top insurers for a personalized rate.
It also helps to know what premiums you’ll pay when you’re in the market for a new truck. This can help ensure you keep costs within your budget. And, bundling your insurance needs — auto, home and other vehicles you own — can save you money.
“Drivers who maintain continuous coverage, rather than letting their insurance policies lapse or cancel, will be offered cheaper premiums when searching for new auto insurance. Consider different coverage options such as deductibles and leave off any extra coverages that may not be needed to cut the cost down,” McKenzie says.
Trucks vs. SUVs vs. sedans: Which are cheaper to insure?
On average, it costs $2,892 per year to insure a truck. That’s lower than the average cost to insure an SUV at $2,976 per year or the average cost to insure a sedan at $3,781 annually.
Factors that affect the insurance rate for your truck
Insurance companies consider personal variables and assess risks when determining a driver’s premium. These may include vehicle value, theft, safety features, how often you drive your vehicle, your credit and the type and amount of your insurance coverage.
“Many factors impact truck insurance rates, aside from just the cost of the truck itself. Some factors include the location (the number of accidents and claims in your area and surrounding areas), weather, and driver demographics such as age, gender and driving history,” McKenzie says. “Other factors that impact the cost of truck insurance rates are the value of the truck and the cost it would take to repair or replace the truck, such as truck parts.”
Final thoughts
In general, small to midsize trucks are often less expensive to insure than larger trucks. Maintaining a clean driving record, shopping around for rate quotes and bundling your policies can save money on insurance.
If you drive a larger truck model, you may pay more for premiums, but you may also want to consider a commercial policy if you use your vehicle for work, services or hauling large equipment.
Frequently Asked Questions: Truck insurance
Does the size and weight of a truck affect insurance costs?
Yes, size can play a role, but other factors, such as safety ratings, repair costs, and theft rates, matter too. Heavy-duty and performance trucks tend to cost the most to insure, while midsize and compact trucks generally fall on the lower end of the range.
Are 4×4 trucks more expensive to insure than 2WD trucks?
In some cases, 4×4 trucks are more expensive to insure because they’re more costly to repair and hold their value longer.
Can I insure my truck under personal auto insurance if I use it for business?
No. You’ll need commercial auto insurance if you drive your truck for commercial purposes.
Do truck safety features lower insurance costs?
Insurance companies consider several factors when determining rates, including a vehicle’s safety ratings and crash-test performance from agencies like the IIHS and NHTSA. Safety features like blind-spot monitoring and crash-avoidance systems have been shown to reduce the risk of accidents, thereby lowering rates. However, those savings may be mitigated by the higher cost of repairing and replacing these high-tech components.
Is it more expensive to insure an F-250 than an F-350?
Both the F-250 and the F-250 are built on the same platform and are part of Ford’s Super Duty lineup, so their insurance rates are similar. The cost to insure an F-350 can vary depending on your selected trim level and payload configuration. Vehicles with higher gross vehicle weights can cost more to repair and therefore to insure.
For a 40-year-old driver with full coverage, the average cost to insure a Ford Super Duty is $3,018 per year, according to CarInsurance.com’s 2026 data.
Are pickup trucks more expensive to insure than sedans?
No. Trucks are usually cheaper to insure than sedans. The average cost of truck insurance nationwide is $2,892, compared to $3,781 for sedans. And compact pickups, like the Ford Maverick or the Jeep Gladiator, are usually cheaper to buy and insure than full-size models.
Resources & Methodology
Resources
U.S. Bureau of Labor Statistics. “Motor vehicle insurance in U.S. city average, all urban consumers, not seasonally adjusted.” Accessed August 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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