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Cheapest Trucks to Insure

The cheapest trucks to insure, ranked from real HLDI insurance-loss data — the Ford Ranger is cheapest at about $1,038/yr. 28 trucks ranked, not a quote form.

By ForCar Research · Loss data HLDI · Premiums NAIC
Cheapest trucks to insure

The cheapest trucks to insure share a clear profile: low theft, low repair cost and low injury claims. On our data the Ford Ranger is cheapest — about $1,038/yr at the US average, roughly 28% below a typical car. Every figure below is the state-average premium × each car's real HLDI insurance-loss index — use the calculator for your state.

Across the 28 trucks we price, insurance averages 97% of what a typical vehicle costs to insure — roughly $1,395/yr against the $1,438 national average. Within this list the gap is $698 a year between the cheapest and the other end — same coverage, different car. The top of this ranking is mostly Ford, RAM, Nissan. HLDI loss data × NAIC premiums.

CHEAPEST
Ranger
cheapest ($1,038/yr)
PER YEAR
$1,038
cheapest est. premium
GROUP AVG
$1,395
average for these trucks
RANKED
28
trucks with real data

Cheapest Trucks to insure — full ranking

Estimated annual premium at the US average, cheapest first — real HLDI insurance-loss index. Click a model for its full page.

FIG.01
#VehicleEst. premiumvs averageVerdict
1Ford Ranger$1,038/yr72% of avgCheap
2Ford F-350$1,148/yr80% of avgCheap
3Nissan Frontier$1,150/yr80% of avgCheap
4GMC Canyon$1,152/yr80% of avgCheap
5Honda Ridgeline$1,152/yr80% of avgCheap
6Suzuki Equator$1,165/yr81% of avgCheap
7Chevrolet Colorado$1,168/yr81% of avgCheap
8Ford F-250$1,232/yr86% of avgCheap
9Ford Maverick$1,235/yr86% of avgCheap
10Toyota Tacoma$1,296/yr90% of avgCheap
11Dodge Dakota$1,317/yr92% of avgCheap
12Ford F-150$1,345/yr94% of avgAverage
13GMC Sierra$1,359/yr95% of avgAverage
14Tesla Cybertruck$1,368/yr95% of avgAverage
15Nissan Titan$1,382/yr96% of avgAverage
16Hyundai Santa Cruz$1,415/yr98% of avgAverage
17Chevrolet Silverado$1,454/yr101% of avgAverage
18Jeep Gladiator$1,460/yr102% of avgAverage
19Toyota Tundra$1,464/yr102% of avgAverage
20RAM 2500$1,480/yr103% of avgAverage
21Dodge Ram$1,517/yr106% of avgAverage
22Lincoln Mark LT$1,603/yr112% of avgAverage
23RAM 3500$1,608/yr112% of avgAverage
24RAM 1500$1,628/yr113% of avgPricey
25Isuzu i-290$1,644/yr114% of avgPricey
26Rivian R1T$1,694/yr118% of avgPricey
27Ford F-450$1,714/yr119% of avgPricey
28Mitsubishi Raider$1,736/yr121% of avgPricey
ROWS 28·SOURCE HLDI × NAIC

Top 15 cheapest trucks to insure

Estimated annual premium at the US average — the cheapest trucks to insure.

FIG.02
01
Ford Ranger72% of avg$1,038
02
Ford F-35080% of avg$1,148
03
Nissan Frontier80% of avg$1,150
04
GMC Canyon80% of avg$1,152
05
Honda Ridgeline80% of avg$1,152
06
Suzuki Equator81% of avg$1,165
07
Chevrolet Colorado81% of avg$1,168
08
Ford F-25086% of avg$1,232
09
Ford Maverick86% of avg$1,235
10
Toyota Tacoma90% of avg$1,296
11
Dodge Dakota92% of avg$1,317
12
Ford F-15094% of avg$1,345
13
GMC Sierra95% of avg$1,359
14
Tesla Cybertruck95% of avg$1,368
15
Nissan Titan96% of avg$1,382
TOP 15·UNIT est. $/yr (US avg)·SOURCE HLDI × NAIC
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What makes a truck cheap to insure

Insurers price a car on how much it costs them — exactly what the HLDI loss index measures. The big factors:

Repair costCheap, common parts and simple builds keep collision claims low.
Theft rateRarely-stolen models keep comprehensive premiums down.
Power & speedModest engines mean fewer and less-severe crashes.
SafetyStrong crash ratings and driver-assist cut injury claims.
Who drives itFamily-oriented trucks are driven more carefully; sporty ones aren't.
ValueA pricier car costs more to replace, raising collision and comprehensive.

Safety is one of the biggest levers — cars with top crash-test scores file fewer injury claims. See the safest cars by crash-test score.

Check any car in your state

This ranking uses the US average. Pick a specific car and state below for its estimated annual premium — same real HLDI loss data.

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Cheapest Trucks to Insure — frequently asked

What is the cheapest truck to insure?

The Ford Ranger is the cheapest truck to insure in our data — about $1,038/yr at the US average, roughly 28% below a typical car.

How is this ranking calculated?

We rank trucks by their real HLDI insurance-loss index (how much each costs insurers versus an average car, 100 = average) and estimate the premium as the US-average premium × that index. It's an estimate for a typical driver, full coverage — not a quote.

Are trucks cheaper to insure than other cars?

The trucks on this list run well below the average car; trucks with low theft, repair and injury losses are among the cheapest vehicles to insure overall.

Does the state I live in change this?

Yes — these figures use the US average. Your state can move the premium up or down by 30%+ . Use the calculator or see cost by state.

Ranking computed by ForCar from HLDI/IIHS insurance-loss indices (relative losses versus an average car, 100 = average) combined with NAIC US average premium (2023). Estimates assume a typical driver, full coverage; your quote varies with state, age, record and coverage. For research and comparison, not a quote. Reviewed by , founder of ForCar.