Are trucks more expensive to insure than cars?

Truck Insurance Costs

One of the primary responsibilities that come with owning a car is insuring it. As a rule of thumb, the type of car you drive affects the auto insurance you pay. One of the frequently questions from truck enthusiasts is; are trucks more expensive to insure than cars? The answer depends on the type of car you intend to insure or the type of truck in question. In fact, every vehicle has its own statistics and history for insurance purposes. In this article, we are going to compare a standard car with a standard truck.


Let me walk you through some of the reasons why it’s more expensive to insure trucks compared to cars;


Trucks are bigger compared to cars. Size comes with more versatility and bigger cargo space. In the event that you are involved in an accident; you are likely to cause more damage to people or property with a truck. The insurance covers your vehicle and any other damage your vehicle might cause. In this case, the inflicting damage will result to higher insurance premiums.

Engine size

The bigger the engine, the higher the insurance costs. Trucks are fitted with bigger engines which add to the overall cost of the car. Standard cars come with smaller engines making them less expensive.

Safety rating

A truck has higher safety rating compared to a small car. The insurer will look at how good the car protects the occupants. However, insurance companies will always charge more for liability insurance.


Trucks are more expensive. Higher value translates to higher premiums. Once it’s stolen, the insurance company will bear the huge cost. If both the truck and the car are involved in an accident and are written-off, the insurance company will pay more for the truck. Since the truck is bigger, there is also an increased risk of roll-over compared to a small car. The insurance company is supposed to cover your vehicle in case of unforeseen risks; therefore the owner of the truck will pay more. On the other hand, it costs more to repair a truck compared to a small car. Modern trucks come with additional amenities which translate to higher repair costs.


Other factors that determine the insurance to pay:

Insured’s driving record

Drivers with a crash free record are likely to pay less for insurance.

Age of the car

The older the car, the higher the insurance costs. Sometimes the cost of repairs might be more than the value of the car.

How you use your car

The more times you use the car, the higher the chances of being involved in an accident.

Likelihood of theft

Some cars and trucks are more prone to theft than others.

Credit history

A good credit history can lead to payment of lower premiums .


In a nut shell, trucks cost more to insure than cars. In fact, premiums can be 15 to 20% more. However, the cost of insurance will primarily depend on the type and model of the vehicle. It’s recommended that you shop for the best quotes from the insurance providers around you.