Do trucks cost more to insure?

I'm currently saving up for a Ford F-150. I've never had a truck before, but owning one has always been my dream. However, I've also never gone through the process of insuring a truck. Will I need to pay more for insurance on a truck than a car?

Answer
“Congrats on finally being able to save for your dream car! I’m happy to say that based on the type of truck you’d like to get, insurance for your Ford shouldn’t cost any more than insuring a car.
Insurance rates are primarily determined by a variety of factors, including:
  • Credit history
  • Driving record
  • Age
  • Location
These factors are more likely to impact your rate than the type of truck you plan to purchase.
That said, if you were going to get a larger truck, your rate could increase. Larger trucks are often considered commercial vehicles based on their size. If this is the case, you’d likely need to get a commercial policy—the prices of which can vary—to insure it.
If you’re concerned about the cost of insurance, you can get the vehicle identification number (VIN) from the dealership to get car insurance quotes online.
One easy way to do this is through the Jerry app. We’ll get you multiple quotes from different top-of-the-line providers so that all you have to do is choose the plan that works best for you. When you’ve picked a plan, we’ll make sure you get on it—usually within minutes!
Best of luck with insurance shopping, and congrats again!”
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Emily Maracle
Answered on Sep 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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