The Top 10 Most Expensive Trucks to Insure

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According to real quotes from Jerry drivers, the most expensive truck to insure is none other than the luxurious yet beastly Chevrolet Silverado 1500 LTZ.
Not all trucks are created equal when it comes to calculating your premiums. Depending on the features, extras, trim level, size, and safety rating of your truck, you could end up racking up some serious long-term insurance costs.
That’s why the car insurance broker app Jerry used car insurance quotes from real customers to find the most expensive trucks to insure.
If you have your heart set on one of these trucks, Jerry will help you score impressive savings on your insurance so you know you’re not throwing your money away on inflated premiums.
In fact, the average Jerry user saves a whopping $879 a year!
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The top 10 most expensive trucks to insure

Just because these mighty trucks are expensive doesn’t mean you can’t find a deal.
Drivers that own the trucks on this list save big on insurance when they switch carriers with Jerry.
See for yourself!
“It’s been a while since I’ve looked into comparing insurance companies. This app completely removed the hassle and awkwardness of interfacing with agents and ‘why do you want to go’ questions. A few button clicks and a few questions later, I had a new policy with a new company saving over $100 per month. The best part was the fact that I was informed of every step the entire process!” - Satisfied Jerry User

Ford Ranger Supercrew

The Supercrew XLT Ford Ranger Trim upgrade is a great investment in terms of features and capabilities–but it might cost you big to insure.
One of the great things about this trim upgrade of an already great truck is that you can enjoy a powerful four-wheel-drive transmission and deluxe extras like heated seats, four full-sized doors, and a user-friendly infotainment system, all for a very reasonable price.
Sadly, much like the safety ratings, the insurance rates are less than ideal. Opting for a competitor like the Nissan Frontier could help you save on your insurance in the long-term.
  • Average annual premium before Jerry: $2844
  • Average annual premium after Jerry: $2376
  • Miles per gallon: City 25/ highway 26
  • Car and Driver Safety Rating: 7 (2021)
  • List Price: $30,065 (2021)

Ford Ranger

If you are looking for great value, the standard trim Ford Ranger is hard to beat.
For those looking for the type of midsize truck that can do it all, the Ford Ranger is a classic go-to for a reason. Powered by a robust turbocharged 2.3-liter four-cylinder engine, this truck has the grit to get you from point A to point B (and maybe even C).
Forget the splashy features–the Ranger is all about All-American-style performance, drivability, and reliability.
That being said, insurance rates run high, and you might find better value in a truck like the Toyota Tundra that offers more up-to-date features and more manageable insurance costs.
  • Average annual premium before Jerry: $3067
  • Average annual premium after Jerry: $2490
  • Miles per gallon: City 21/ highway 26
  • Car and Driver Safety Rating: 7 (2021)
  • List Price: $26,015 (2021)

Dodge Ram 2500 ST

The Ram Heavy Duty series offers some of the best luxury and features in its class.
The Dodge Ram 2500 is a stately ride, even at the standard trim level. If you are looking for a heavy-duty vehicle that offers up performance and a deluxe driving experience, the Ram 2500 is impossible to beat.
The most recent model can pull up to 37,100 pounds and its Cummins diesel makes up to 1075 lb-ft of torque, so you’ll literally never have an excuse to leave anything behind.
The insurance price tag might make you think twice, though. The Ram 2500 Power Wagon is an upgraded trim version that might get you more for less in the long term.
  • Average annual premium before Jerry: $4800
  • Average annual premium after Jerry: $2544
  • Miles per gallon: City 10/ highway 15
  • Car and Driver Safety Rating: 9 (2021)
  • List Price: $36,040 (2021)
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Chevrolet Colorado

There is no denying the practical versatility of the Chevrolet Colorado.
Like all mid-size trucks, the Chevrolet Colorado hits the sweet spot between performance and versatility.
It handles great and offers a more comfortable driving position than most trucks, but even the standard trim level is one of the most expensive trucks to insure.
A sporty mid-range like the Nissan Frontier S could be a better pick if you want to cash in on long-term insurance savings.
  • Average annual premium before Jerry: $3116
  • Average annual premium after Jerry: $2683
  • Miles per gallon: City 20/ highway 30
  • Car and Driver Safety Rating: 8.5 (2021)
  • List Price: $25,200 (2021)

Ford F-150 Supercrew

Old faithful with a boost.
What’s not to love about the Ford F-150?
The long-running Ford F-150 series is an ideal blend of affordability, dependability, and performance.
The Supercrew comes with four, full-sized doors so forget about your passengers complaining about contorting themselves to get into your back seat.
That being said, that extra legroom might be paired with a pricier insurance rate.
If you want to save on your insurance right from the get-go, consider opting for a basic trim level or choose an affordable competitor like the Ram 1500 Warlock.
  • Average annual premium before Jerry: $3611
  • Average annual premium after Jerry: $2960
  • Miles per gallon: City 16/ highway 21
  • Car and Driver Safety Rating: 9 (2021)
  • List Price: $58,025 (2021)

Dodge Ram 1500 Laramie

The Ram 1500 Laramie is flashy enough to steal the show.
The quad cab RWD Laramie is an upper range trim option for the well-rated 2021 Ram 1500 series. The Ram 1500 has everything you need to get the job done, but critics argue that it outclasses the competition in terms of features and driving experience. The most recent model comes with a slew of safety features and an 8.4-inch touchscreen.
With a 10/10 safety rating, it is easy to understand why the Ram 1500 could be a top pick, but opting for the standard Tradesman level trim instead could help you save big on your insurance costs.
  • Average annual premium before Jerry: $3877
  • Average annual premium after Jerry: $2628
  • Miles per gallon: City 22/ highway 32
  • Car and Driver Safety Rating: 10 (2021)
  • List Price: $43,475 (2021)
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Dodge Ram 3500 ST D

Truck or beast?
The HD Rams are in a class of their own when it comes to the driving experience.
The ride-quality could easily be described as dreamlike, and the range of luxury features that buyers can choose from is unparalleled.
Combine that with outstanding towing capacity, and you have a winning combo–until you consider your potential insurance rates.
The Ram 2500 Power Wagon is a better bet if you want a flashy high-performance ride that might cost you a little less on the insurance front.
  • Average annual premium before Jerry: $2946
  • Average annual premium after Jerry: $2817
  • Miles per gallon: City 13/ highway 16
  • Car and Driver Safety Rating: 9 (2021)
  • List Price: $36,145 (2021)

Toyota Tundra Crewmax SR5

The Tundra is one of the longest-running truck models on the road and continues to stand the test of time.
The mid-level SR5 trim version of the 2021 Tundra Crewmax comes with some useful extras like built-in fog lights and touch-screen technology.
The bad news is that the cost of insuring the Crewmax SR5 leaves much to be desired. Opting for a single-cab Toyota Tundra model could translate to major insurance savings in the long-run.
  • Average annual premium before Jerry: $3541
  • Average annual premium after Jerry: $2900
  • Miles per gallon: City 13/ highway 17
  • Car and Driver Safety Rating: 4.5 (2021)
  • List Price: 38,320 (2021)

Ford F-350 Super Duty

The F-350 Super Duty has powerful torque and fun tech, but it isn’t cheap to own.
The Ford F-350 Super Duty boasts impressive towing capacity and torque. Many buyers are drawn to the upscale interior specifications that set the Ford F-Series apart.
The downside is that that luxuriously driving experience comes at a steep price in terms of insurance premiums.
If towing and hauling performance matters, the Nissan Titan XD comes with a much more reasonable insurance price tag.
  • Average annual premium before Jerry: $3611
  • Average annual premium after Jerry: $2960
  • Miles per gallon: City 13/ highway 16
  • Car and Driver Safety Rating: 8.5 (2021)
  • List Price: $36,000 (2021)

The most expensive truck to insure: Chevrolet Silverado 1500 LTZ

The Silverado 1500 LTZ is where work trucks and luxury vehicles combine.
This is Chevrolet’s most souped-up trim level of the 2021 Silverado 1500 full-size truck series.
It comes with a powerful 5.3-liter V8 engine and includes a long list of extras in terms of features. Unfortunately, all those classed-up extras also come with a potentially heavy insurance price tag as well, as this Silverado is the most expensive truck to insure.
If you want to save on your insurance, consider a more basic trim level. You might not get all the features, but you can enjoy some great long-term savings.
  • Average annual premium before Jerry: $3611
  • Average annual premium after Jerry: $2960
  • Miles per gallon: City 18/ highway 24
  • Car and Driver Safety Rating: 8 (2021)
  • List Price: $49,000 (2021)
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Factors that impact your car insurance rate

The type of vehicle you drive is an important factor to consider when looking at insurance quotes, but it isn’t the only factor. Here are some other considerations to keep in mind:
Vehicle size
Insurers typically calculate their rates in relation to how likely a person is likely to be injured driving their primary vehicle.
Since you are less likely to be injured driving a heavy-duty truck than you are a mid-size range or smaller, you might pay more to insure a smaller ride.
Vehicle type
The more specialized components and features, the more costly your repair bills are likely to be if you are involved in an accident. If this is the case, you can probably count on having to pay a higher insurance premium.
This means that you will often end up shelling out more for insurance premiums if you upgrade to higher trim levels than if you stick to base-level models.
Your truck’s wheel drive system also impacts your premiums. A 4x4 truck is typically more expensive to insure because a 4x4 system is more complex and pricey to fix compared to a front wheel drive system.
Driving record
If you have recent accidents on your driving record, your insurance company is probably going to consider you riskier to insure than a driver with a clean record. Likewise, DUIs and other serious infractions can often cause your rates to multiply.
Vehicle safety ratings and features
The safer that a vehicle is, the lesser the risk that it will be involved in an accident. You will generally pay less for insurance if your truck has a high safety rating.
Location
Your home state can factor heavily when it comes to calculating your insurance rates.
Almost all states have minimum legal insurance minimums in place, and the more insurance you are required to have, the more you will pay for a basic vehicle insurance package.
This means that rates can vary a lot from state to state. In addition, some major insurance providers will only offer their services in certain states.
Age
Long-time drivers with clean records will usually snag better rates than younger drivers since they have already proven their driving experience and are statistically less likely to be involved in an accident.
Marital status
If you have tied the knot, you might be able to snag a better insurance rate as well. Single people generally pay more for their insurance than those who are insured while legally hitched.
Credit score
Traditionally, insurance providers consider credit score when evaluating the overall trustworthiness of a driver.
Not everybody agrees, though. Some states like Massachusetts, California, and Hawaii have banned this practice completely.
There’s no arguing, there is a lot to take into account when it comes to figuring out how much you should be paying for car insurance.
Thankfully, Jerry has your back on this one.
After just one quick 45 second signup, Jerry will generate a list of the top providers offering up the best pickup truck insurance rates for you.
If you decide to switch providers, Jerry will take care of everything, from the paperwork to the phone calls. Oh, and it’s 100% free!

Frequently asked questions

Why are trucks more expensive to insure than cars?

Trucks are, for the most part, more expensive to buy and more expensive to repair and replace.
They also have the potential to cause more serious damage and are more likely to be used in higher-risk contexts like towing, hauling, or off-roading.

What is the cheapest truck to insure?

If you’re looking for the benefits of a truck and the insurance rates of the car, the GMC Canyon Elevation is a great bet.
When you use Jerry, the average insurance premium drops to only $756 a year.
Just to break it down–that’s a whopping $564/a year in savings over the $1320 annual premium average on this truck that you will be likely to pay if you don’t use Jerry.
What’s the catch? There is none. Jerry is totally free to use and never sells your data.

How do I find the cheapest insurance for my truck?

The best way to find the most affordable insurance for your truck is to use Jerry to compare quotes across providers and find the best rates for you.
Why pay for a local agent or waste your time and energy constantly having to re-enter the same information over and over when you shop online?
Only Jerry protects your privacy, shops for you automatically before renewal, gets quotes from top insurance companies, offers digital insurance cards, and does all the paperwork to switch your insurance.
Not only that, Jerry is 100% free to use–and always will be!
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