The Top 10 Cheapest Trucks to Insure

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These are the most affordable trucks to insure, and Jerry can save you even more on your car insurance premium (Photo: @brandicrews via Twenty20)
According to real quotes from Jerry drivers, the cheapest truck to insure is none other than the dependable yet refined GMC Canyon Elevation.
Although insurance prices vary based on a number of different factors, some trucks are generally cheaper to insure than others.
That’s why comparison car insurance shopping app Jerry.ai used car insurance quotes from real customers to find the 10 cheapest trucks to insure in the US.
But Jerry’s usefulness doesn’t stop there.
If you’re on the hunt for a new car insurance policy, Jerry presents you with 3 competitive quotes in under 45 seconds. Even better, if you decide to switch Jerry will take care of the entire process. No phone calls. No long forms. No hassle. Oh, and it’s 100% free!
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The Top 10 Cheapest Trucks to Insure

Pickup trucks are some of the most popular vehicles in the country. But just because they’re big, doesn’t mean they’ll break the bank when it comes to insurance.
But just because you already have a “good” insurance rate for your affordable truck, doesn’t mean you should stop searching for competitive quotes.
In fact, drivers that own the trucks on this list save big on their insurance rates when they switch insurers with Jerry.
See for yourself!

GMC Canyon Elevation

A refined ride with great handling.
The GMC Canyon midsize pickup ranks as the cheapest truck to insure. It’s a more glamorous version of the Chevrolet Colorado, which also made our top 10 list.
The Elevation trim comes standard with all-wheel drive and a V6 powertrain. It’s tricked out with plenty of comfort features, including automatic climate control, power-adjustable driver’s seat, and remote start.
The available High Elevation package adds a heated steering wheel and front seats, plus leather upholstery.
Inside, the Canyon Elevation is functional and simple. The front seat is spacious and the cargo bed offers impressive space.
The ride is smooth and, as a smaller truck with good agility, offers a comfortable drive even in traffic and tight areas.
  • Average annual premium before Jerry: $1320
  • Average annual premium after Jerry: $756
  • Miles per gallon: 17
  • Car & Driver rating: 8 (2021)
  • List price: $27,595 (2021)

Nissan Frontier

A practical, budget-friendly work truck.
This mid-size pickup is an oldie but a goodie.
It’s up for a redesign in 2022, but the latest model is still a popular choice for a practical work truck. It comes standard with a V6 engine and nine-speed automatic transmission, and there are three trim levels to choose from.
While it may not have the tech features that some of its competitors do, the Frontier boasts an impressive towing capacity (around 6700 lbs) and has affordable off-road models.
There is a 7-inch touchscreen, but it doesn’t come with Apple CarPlay, Android Auto, or a WiFi hotspot. In keeping with its bare-bones design, there is no available driver-assistance technology.
If simple is what you’re after, the Frontier makes an affordable alternative to pricier light pickups.
  • Average annual premium before Jerry: $1440
  • Average annual premium after Jerry: $912
  • Miles per gallon: 18
  • Car & Driver rating: 6 (2020)
  • List price: $27,940 (2020)

Ram 1500 Tradesman

A great choice for a refined pickup.
The Ram 1500 raised the expectations for others in its class. The Tradesman is its base model with a 3.0L EcoDiesel V6 engine, 20-inch wheels, and quad and crew cab options.
The Tradesman includes a 5-inch screen with Uconnect 3 and has high-back cloth bucket seats for a comfortable ride, whether you’re headed to work or out for a drive along country roads.
Safety features include a rear back-up camera, available blind-spot monitoring, and available forward collision warning.
While the higher-end trim levels may be tempting, the Tradesman is an affordable entry into the rugged but refined Ram 1500 lineup.
  • Average annual premium before Jerry: $1405
  • Average annual premium after Jerry: $1020
  • Miles per gallon: 22
  • Car & Driver rating: 10 (2021)
  • List price: $30,395 (2021)
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Toyota Tundra

A solid truck for journeying off the beaten path.
The Toyota Tundra is the oldest in the full-size pickup truck class, but it’s still plenty capable when it comes to hauling (up to 10,200 lbs!) and off-roading. To this end, it has a standard 5.7L V8 engine and an available off-road package.
The cab is exceptionally spacious, with lots of cargo and storage space as you’d expect in a pickup. There are three different bed lengths depending on the trim level you choose.
The latest Tundra also comes with a host of standard driver-assistance technologies, including a back-up camera, adaptive cruise control, and lane-departure warning.
  • Average annual premium before Jerry: $6444
  • Average annual premium after Jerry: $1200
  • Miles per gallon: 13
  • Car & Driver rating: 4.5 (2021)
  • List price: $35,420 (2021)

Ram 2500 Power Wagon

Entering beast mode.
The Ram 2500 is a heavy-duty truck with exceptional hauling ability, smooth ride quality, and plenty of luxury options. It’s available in eight different trim levels, with the Power Wagon falling closer to the upper end of the spectrum.
This truck is designed to deliver power and performance without compromising luxury and comfort.
In a word, it’s a beast.
It’s available exclusively with a 6.4L HEMI V8 engine, boasting best-in-class 410 horsepower, and has an astounding towing capacity of 17,540 lbs.
The technology on the 2500 Power Wagon includes a large infotainment touchscreen, a surround-view camera system, and an available digital rearview mirror. Of course, heated seats and steering wheel come standard, as you’d expect in a truck of this caliber.
  • Average annual premium before Jerry: $2458
  • Average annual premium after Jerry: $1240
  • Miles per gallon: 14
  • Car & Driver rating: 9 (2021)
  • List price: $55,430 (2021)

Nissan Titan XD SL

A good non-domestic option.
The Titan XD falls somewhere between a light and a heavy-duty truck. It’s similar to the Titan but offers a greater towing capacity of up to 11,040 lbs.
Nissan offers the Titan XD in just one size: 400-hp V8 engine, with all-wheel drive and a crew cab. It has a nine-speed automatic transmission and handles similar to a heavy-duty pickup.
The Zero Gravity seats are a standout feature for drivers, striking the perfect balance between support and comfort.
There’s a practical dash with a 9-inch display and 4G LTE WiFi hotspot, and it comes with a suite of driver-assistance tech to help with handling.
  • Average annual premium before Jerry: $2112
  • Average annual premium after Jerry: $1478
  • Miles per gallon: 15
  • Car & Driver rating: 4.5 (2021)
  • List price: $46,825 (2021)
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Ram 1500 Classic Warlock

Eye-catching, both inside and out.
The Ram 1500 Classic Warlock is bold and stylish, if not a little intimidating.
It comes standard with a 3.6L V6 engine, though an upgrade to the available 5.7L HEMI V8 delivers all the power you need to haul trailers and recreational vehicles.
The spacious interior of the truck is all black, with a 40/20/40 folding bench seat in the back.
The available upgrades—like heated and ventilated seats, a panoramic sunroof, and leather surfaces—make the Ram 1500 Warlock feel more like a luxury vehicle than a light-duty pickup.
  • Average annual premium before Jerry: $2296
  • Average annual premium after Jerry: $1824
  • Miles per gallon: 20
  • Car & Driver rating: 10 (2021)
  • List price: $38,440 (2021)

Ram 1500 Big Horn/Lone Star

Work hard, play harder with the Ram 1500 Big Horn/Lone Star.
The final Ram entry on the list, the 1500 Big Horn/Lone Star is a popular pick in the light-duty truck category. It has a 3.6L V6 gas/electric engine and boasts a maximum payload of 2,300 lbs.
The striking chrome accents on the exterior hint at the premium finishes inside the cabin, including available leather-wrapped steering wheel, four color combinations, and an 8.4-inch touchscreen with Uconnect.
There are also plenty of available driver-assist tech features.
  • Average annual premium before Jerry: $3481
  • Average annual premium after Jerry: $2038
  • Miles per gallon: 20
  • Car & Driver rating: 10 (2021)
  • List price: $38,735 (2021)

Nissan Titan SV

A comfortable truck for a comfortable price.
The Titan SV is the light-duty cousin to the Nissan Titan XD, which also made our list.
It comes in one configuration: a 5.6-liter V8 engine with a 9-speed automatic transmission. It’s rugged and has good towing capabilities, with middle-of-the-road handling.
While the Titan SV tends to live in the shadow of some of the more popular light-duty pickups, drivers like its comfortable cabin and wide range of tech features.
It has super comfortable “Zero Gravity” front seats, excellent storage space, and innovative add-ons like in-bed cargo boxes.
All in all, it’s a solid choice if you’re looking for an alternative to the wide array of American pickups.
  • Average annual premium before Jerry: $2807
  • Average annual premium after Jerry: $2190
  • Miles per gallon: 18
  • Car & Driver rating: 6.5 (2021)
  • List price: $42,185 (2021)

Chevrolet Colorado Z71

A truck that won’t hit the wallet too hard.
If you’re looking for great handling and comfortable driving, you’ll find it in the Chevy Colorado Z71.
It’s a midsize pickup that is essentially the lower-end version of the GMC Canyon, which took our top spot for the cheapest truck to insure.
The Colorado Z71 comes standard with a 3.6L V6 engine and eight-speed automatic transmission.
A trailering package is available to unlock the maximum towing capacity, and trailer-sway control is standard.
Safety-wise, an HD rear vision camera is standard, as is rear park assist and a tire pressure monitoring system.
While the Colorado may lack the prestige and luxury of the Ram 1500 lineup, it’s also a lot easier on the wallet.
  • Average annual premium before Jerry: $2573
  • Average annual premium after Jerry: $2214
  • Miles per gallon: 19
  • Car & Driver rating: 8.5 (2021)
  • List price: $34,995 (2021)
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Factors that impact your car insurance rate

Vehicle size
You’re less likely to get injured in a large vehicle (Ram 2500, anyone?) than a smaller one. Insurance companies charge a higher premium for smaller vehicles to account for the increased risk.
Vehicle type
Luxury vehicles are more expensive to insure because repair costs are higher in the event of an incident. Sports cars also have higher premiums since they’re seen as having increased risk.
Vehicle safety ratings and features
Since you’re less likely to be injured in a vehicle with excellent safety ratings, insurance premiums tend to be lower. Newer vehicles often have more safety features, and thus cost less to insure than older ones.
Driving record
A good driving record can go a long way to lowering your insurance premium. If you’re an experienced driver with no tickets or accidents on your record, you’re in good shape.
Location
Where you live can have a significant impact on your insurance rate. The areas with the lowest rates tend to be less densely populated, have a high percentage of insured drivers, and are not subject to severe weather (like hurricanes or snowstorms).
Age and marital status
In general, insurance companies have found that older, married, female drivers tend to get into the fewest accidents. If you don’t tick those boxes, it’s likely that your insurance premiums will be higher.
Credit score
Not all states consider credit scores when setting premiums. Among those that do, an excellent credit score can mean discounts while a poor credit score can raise a red flag for insurers.
Jerry.ai can help you find the best pickup truck insurance. If you decide to switch, Jerry will take care of all the hard work.
Signing up takes less than 45 seconds because Jerry collects all of your information from your existing insurer. Then, Jerry generates 3 competitive quotes from up to 40 different top insurance companies.

FAQs

Why are trucks more expensive to insure than cars?
Pickup trucks are typically more expensive to insure than cars for a few reasons:
  • They often cost more than cars
  • They can result in serious personal injuries
  • They can cause greater property damage
  • They are more prone to damage from obstacles and may be involved in off-road incidents
All of this adds up to greater liability for the insurance company, which means higher premiums for you.
What is the cheapest truck to insure?
According to our data, the cheapest truck to insure is the GMC Canyon Elevation.
How do I find the cheapest insurance for my truck?
Comparison shopping will net you the cheapest insurance—and there’s no easier way to do it than with Jerry.
Jerry.ai provides you with three competitive quotes in under a minute. And once you find your deal, making the switch is just as effortless.
Jerry takes care of all the paperwork, phone calls, and even cancels your old policy on your behalf—and did we mention that it’s free?
When renewal time comes up, Jerry keeps the savings coming by presenting you with three competitive quotes.
So no matter which truck you choose, you’ll be confident that you always have the best coverage.
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