Car Insurance Cost for a Pickup Truck Per Month in 2026

The national average for a Pickup Truck with full coverage is approximately $282 per month for a 35-year-old in 2026, per Insurify 2026 and MoneyGeek 2026 cross-referenced data. This represents approximately 1.05x the sedan baseline cost. The range across states is significant: a Pickup Truck in Vermont costs roughly $169/month and in Nevada $451/month. Age also matters: a 17-year-old driving the same vehicle pays roughly 3x what a 35-year-old pays.

Full-size trucks (Silverado, Ram 1500, F-150) sit slightly above sedans. High parts cost on premium trims, moderate theft rate, towing-class endorsements, and commercial-use exposure. Mid-size pickups (Tacoma, Maverick) are among the cheapest vehicles to insure.

Among Pickup Truck models, Ford Maverick ($176/mo) is consistently among the cheapest to insure. Toyota Tacoma base ($181/mo) and Hyundai Santa Cruz ($183/mo) round out the low-cost tier. Factors that make a Pickup Truck cheap to insure: low theft rate on that specific model, high safety ratings from IIHS, widely available and inexpensive parts, and low claims frequency for that body style. Source: MoneyGeek 2026 by-model, Insure.com 2026.

Ram TRX ($312/mo) tops the most-expensive list in the Pickup Truck category. GMC Sierra AT4X ($298/mo) and Ford F-150 Raptor ($289/mo) are close behind. High-cost models share traits: elevated theft rates, expensive repair parts, high-performance or luxury positioning, and lower safety ratings on some trim levels. Source: Insure.com 2026 by-model.

Yes -- Pickup Trucks cost more than the sedan baseline. The national average for a Pickup Truck is $282/month vs $269/month for a sedan -- a 5% premium.