Does car insurance get more expensive when you buy a pickup truck?

The average sedan costs $102 less per six-month policy to insure than does a truck — and costs nearly $9,000 less up front. This cost difference occurs as a result of their varying attributes and the way insurance companies interpret the risk involved with covering each. Because they may cause more damage in an accident — and cost more to repair or replace — trucks pose a substantial financial risk to an insurance company. Thus, the insurer protects itself by charging a higher premium for these vehicles. Let’s outline the average cost of insuring some of America's most popular sedans and pickup trucks.

 

Which is cheaper: car or sedan?
  1. Trucks vs cars: MSRP comparison
  2. Trucks vs cars: insurance price comparison
  3. How to save on auto insurance

 

Is it cheaper to buy a truck or sedan?

On average, it is nearly $9,000 cheaper to buy a sedan than it is to purchase a truck. The average prices of popular sedans range from $12,360 (Nissan Versa) to $27,800 (Ford Taurus), giving sedans an average cost of ownership of $19,667. 

The cheapest pickup truck is the Nissan Frontier, with a price tag of $18,990. The Chevy Silverado has the heftiest MSRP: $37,600.

Sedan MSRPPickup Truck MSRP
Ford Fiesta - $14,260Chevrolet Colorado - $21,300
Chevrolet Sonic - $15,420GMC Sierra - $29,600
Volkswagen Passat - $25,295Toyota Tacoma - $25,700
Volkswagen Jetta - $18,745Ford F-Series - $28,155
Nissan Versa - $12,360Chevrolet Silverado - $37,600
Ford Focus - $17,950Nissan Frontier - $18,990
Ford Fusion - $22,840Honda Ridgeline - $29,990
Ford Taurus - $27,800Ram P-U - $33,190
Nissan Altima - $23,900Toyota Tundra - $31,520
Mazda 3 - $18,095Nissan Titan - $30,590

 

Upfront costs aren't the only sacrifice required to purchase a truck. Pickup trucks commonly cost more to insure than do their smaller counterparts. We'll dive into the data below.

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Is car insurance cheaper for a truck or sedan?

As you might expect, trucks are more expensive to insure than a sedan. The monthly gap in car insurance costs between pickup trucks and cars is $102. If you’re looking for a cheap sedan to insure, consider the Ford Fiesta. In addition to boasting the second-lowest MSRP among popular sedans, the Ford Fiesta costs just $114 per month to insure.

Sedan 6-Month PremiumsTruck 6-Month Premiums
Chevrolet Sonic - $687Chevrolet Colorado - $707
Nissan Versa - $705GMC Sierra - $737
Volkswagen Passat - $703Toyota Tacoma - $738
Ford Fiesta - $683Chevrolet Silverado - $766
Ford Fusion - $713Nissan Frontier - $769
Ford Taurus - $725Ram - $893
Nissan Altima - $750Ford F-Series - $758
Volkswagen Jetta - $704Honda Ridgeline - $873
Ford Focus - $710Nissan Titan - $1,016
Mazda 3 - $772Toyota Tundra - $908

 

The Ford Fiesta and the cheapest truck, the Chevy Colorado, have a difference of just $3 in monthly auto insurance expenditure. 






How to save on insurance

The best way to save on car insurance is to shop around every six months. If you’re not sure whether you want to buy a sedan or a truck, you can find a bargain by comparing insurance prices by make and model. Enter your ZIP code below to see rates and estimates personalized based on your driving profile.

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.