Updated NAIC 2023 data
Car Insurance Cost for a Pickup Truck Per Month in 2026
National avg (35yo, full coverage)
$282/mo
vs sedan baseline
+5%
Annual avg
$3,383/yr
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.
Pickup Truck
in Florida driving a Pickup Truck
$200/month
Anchored on the state average for a policy with liability, collision and comprehensive. +$80 above national avg
State Min$130/mo10/20/10 (PIP $10K)
Standard$165/mo50/100/50
Full Coverage$200/mo100/300/100
State anchor: NAIC Auto Insurance Database Report, 2023 data year. Age and vehicle adjustments are modelled.
How we calculate thisCompare other vehicle types
Most Expensive Pickup Truck Models to Insure
1
Ram TRX ($312/mo)
2
GMC Sierra AT4X ($298/mo)
3
Ford F-150 Raptor ($289/mo)
Cheapest Pickup Truck Models to Insure
1
Ford Maverick ($176/mo)
2
Toyota Tacoma base ($181/mo)
3
Hyundai Santa Cruz ($183/mo)
Pickup Truck Insurance FAQs
How much is insurance for a Pickup Truck per month?⌄
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.
Why does Pickup Truck insurance cost more than a sedan?⌄
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.
What is the cheapest Pickup Truck 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.
What is the most expensive Pickup Truck to insure?⌄
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.
Does Pickup Truck insurance cost more than a sedan?⌄
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.