On average, pickup trucks are cheaper to insure than cars at all coverage levels, based on Jerry’s data. When it comes to full coverage car insurance, the average pickup costs $263 a month to insure versus $317 a month for a car, or about 17% less. For state minimum coverage, trucks come in at $132 a month versus $160 for a car. That runs against the common assumption that a big truck must cost more to cover.
That said, truck and car insurance pricing comes down to more than body shape alone, so the specific model you drive matters as does your location. And a loaded or electric pickup can still cost more than a basic sedan. Here’s a look at average truck auto insurance rates based on Jerry quote data as of June 15, 2026.
Jerry pulls up to 20 quotes from top rated carriers.
Truck vs car insurance: the quick answer
Across Jerry’s quotes, pickups are cheaper to insure at all coverage levels. The gap is roughly $28 a month for state minimum coverage and about $54 a month for full coverage.
| Coverage level | Average truck monthly quote | Average car monthly quote | Truck monthly savings |
|---|---|---|---|
| State minimum | $132 | $160 | $28 |
| Full coverage | $263 | $317 | $54 |
Based on Jerry customer quotes as of June 15, 2026. Actual quotes vary by coverage, location and driver.
This comparison includes mainstream pickup-selling brands like Ford, Chevrolet, GMC, Ram, Toyota and Nissan, but leaves out luxury and sports cars. It covers 12 pickups and seven cars as manufacturers are producing more pickups than cars — brands GMC and Ram do not produce cars. Here are the cars Jerry compared:
| Make | Cars | Trucks |
|---|---|---|
| Ford | Fusion, Focus | F-150, Ranger, Maverick |
| Chevrolet | Malibu | Silverado, Colorado |
| GMC | (does not sell cars) | Sierra, Canyon |
| Ram | (does not sell cars) | 1500 |
| Toyota | Camry, Corolla | Tacoma, Tundra |
| Nissan | Altima, Sentra | Frontier, Titan |
Key takeaway: According to Jerry data, pickups beat cars by about $28 a month on state minimum coverage and $54 a month on full coverage, making them roughly 17% cheaper overall.
Cheapest and most expensive trucks to insure
Among the mainstream truck models in Jerry’s data, the Ford Ranger is the cheapest to insure on full coverage, while the Ram 1500 is the most expensive to insure. The ranking below shows average full-coverage cost for each pickup, cheapest to priciest.
| Pickup model | Average monthly quote, full coverage |
|---|---|
| Ford Ranger | $218 |
| Nissan Frontier | $244 |
| Ford F-150 | $245 |
| GMC Canyon | $251 |
| Toyota Tundra | $255 |
| Nissan Titan | $257 |
| Chevrolet Silverado | $260 |
| Chevrolet Colorado | $261 |
| GMC Sierra | $264 |
| Toyota Tacoma | $270 |
| Ford Maverick | $285 |
| Ram 1500 | $305 |
Based on Jerry customer quotes as of June 15, 2026. Actual quotes vary by coverage, location and driver.
Key takeaway: Pickup insurance ranges from the Ford Ranger at $218 a month to the Ram 1500 at $305 a month, so the model you choose matters more than the fact that it is a truck.
What factors affect insurance rates for trucks vs cars?
Body style is only one factor in your car insurance price. Insurers also consider the vehicle itself, the coverage you pick, your location and who is driving, according to the Insurance Information Institute, so two drivers can get very different quotes. Here is how the main factors play out for car insurance pricing on trucks versus cars.
Safety ratings and crash performance
Size works in a truck’s favor here. According to the Insurance Institute for Highway Safety, a bigger, heavier vehicle provides better crash protection than a smaller, lighter one when nothing else differs, and crash deaths decline as vehicle size increases. Size cuts both ways, though. A heavier truck protects the people inside it but can do more damage to the other vehicle in a crash.
Coverage type: state minimum vs full coverage
Your coverage choice changes the gap. On state minimum coverage, Jerry pickups average $132 a month against $160 for cars. On full coverage, it is $263 against $317. Adding comprehensive insurance and collision coverage raises both numbers, and you can read more about what sits inside full coverage car insurance before you decide.
Electric vs gas trucks
Your truck’s powertrain also matters. For Jerry’s drivers, electric pickups like the Cybertruck ($498/mo average) and the F-150 Lightning ($420/mo average) tend to cost more to insure than the roughly $263 a month for gas pickups in our ranking.
Theft rates and where you park
Full-size pickups remain frequent theft targets. The Insurance Information Institute reports that the Chevrolet Silverado 1500 and the Ford F-150 ranked among the 10 most-stolen vehicles in 2023. Comprehensive insurance is the part of your policy that covers theft, and where you park overnight is one detail insurers can consider.
Personal vs commercial use
Our data covers personal-use pickups, the kind people use for their daily commute, to haul gear or tow a trailer on weekends. If you use a truck to run a business or carry cargo for hire, you generally need a commercial policy instead. This is a different type of coverage and is priced separately from the averages you see here.
Driver profile: age, record and credit
The same factors that affect car insurance also affect truck insurance. Your age, driving record and, in most states, your credit all influence your rate, which is why one driver can pay far more than another for the exact same pickup truck. Cleaning up your record and shopping around tend to help lower your price more than the body style you pick.
You can see what else pushes a premium up on Jerry’s guide to why car insurance is so expensive.
Key takeaway: Crash protection, coverage level, powertrain, theft exposure, use and driver profile all influence your rate, so the truck-versus-car gap changes from one model to the next.
Would a truck lower my bill vs a sedan?
Often, yes. If you are comparing a mainstream gas pickup against a mainstream sedan, Jerry’s data shows that a truck tends to come in lower at all coverage levels.
However, an electric pickup, a top-trim model or a truck that is frequently stolen can easily erase that price gap or even cost more than an everyday sedan. The only way to know your cost is to compare quotes on the exact vehicles you own (or are thinking about buying).
Key takeaway: A mainstream gas pickup usually beats a comparable sedan on price in Jerry’s data. However, electric, fully loaded or high-theft trucks can cost more, so be sure to compare specific models before buying.
How to lower your truck insurance premium
Trucks are generally cheaper to insure than sedans, but there are still ways to bring your premium down further.
- 💡 Compare quotes from several carriers. Insurers may price the same truck very differently, so shopping around is one of the best ways to find your cheapest rate.
- 💡 Raise your deductible. Choosing a higher deductible lowers your premium, as long as you can cover that amount out of pocket if you file a claim.
- 💡 Bundle home and auto. With Jerry you do not have to keep both policies with the same insurer, and customers who bundle home and auto save about 40% on average.
- 💡 Ask about usage and mileage discounts. If you drive fewer miles than average, some carriers will give you a better quote for it.
- 💡 Add anti-theft and safety features. Alarms, trackers and parking in a garage can help.
- 💡 Drop full coverage on an older truck. Once your paid-off truck drops below $5,000 in value, full coverage may no longer be worth it.
Key takeaway: Comparing quotes, raising your deductible, bundling and adding anti-theft features all help trim a truck premium.
FAQ
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Are trucks cheaper to insure than cars?
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Is truck insurance more expensive than car insurance?
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Which truck is the cheapest to insure?
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Do electric trucks cost more to insure than gas trucks?
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How can I lower my truck insurance rate?
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
