Car Insurance for Cars vs. Trucks
Are auto insurance rates cheaper for a pickup truck or a car?
Are auto insurance rates cheaper for a pickup truck or a car?
The average sedan costs $102 less per six-month policy to insure than does a truck — and costs nearly $9,000 less upfront. 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.
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 MSRP | Pickup Truck MSRP |
| Ford Fiesta - $14,260 | Chevrolet Colorado - $21,300 |
| Chevrolet Sonic - $15,420 | GMC Sierra - $29,600 |
| Volkswagen Passat - $25,295 | Toyota Tacoma - $25,700 |
| Volkswagen Jetta - $18,745 | Ford F-Series - $28,155 |
| Nissan Versa - $12,360 | Chevrolet Silverado - $37,600 |
| Ford Focus - $17,950 | Nissan Frontier - $18,990 |
| Ford Fusion - $22,840 | Honda Ridgeline - $29,990 |
| Ford Taurus - $27,800 | Ram P-U - $33,190 |
| Nissan Altima - $23,900 | Toyota Tundra - $31,520 |
| Mazda 3 - $18,095 | Nissan 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.
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 Premiums | Truck 6-Month Premiums |
| Chevrolet Sonic - $687 | Chevrolet Colorado - $707 |
| Nissan Versa - $705 | GMC Sierra - $737 |
| Volkswagen Passat - $703 | Toyota Tacoma - $738 |
| Ford Fiesta - $683 | Chevrolet Silverado - $766 |
| Ford Fusion - $713 | Nissan Frontier - $769 |
| Ford Taurus - $725 | Ram - $893 |
| Nissan Altima - $750 | Ford F-Series - $758 |
| Volkswagen Jetta - $704 | Honda Ridgeline - $873 |
| Ford Focus - $710 | Nissan Titan - $1,016 |
| Mazda 3 - $772 | Toyota Tundra - $908 |
The Ford Fiesta and the cheapest truck, the Chevy Colorado, have a difference of just $3 in monthly auto insurance expenditure.
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.
If you’re looking for more information for car insurance, consult our guides below.
