As you might expect, trucks are more expensive to insure than a sedan. Minivans and small SUVs are, on average, the least expensive cars to insure compared to other vehicles. Plus, large sedans have the most expensive car insurance in the industry. Pickup trucks tend to be more expensive than cars.
Therefore, if a truck has to be replaced due to an accident, insurance companies often have to pay more than they would pay for a car. Accidents are just one of the reasons why insurance companies often charge more to insure this type of vehicle. SUVs are generally cheaper to insure than a sedan, but it depends on the size of the SUV and the sedan you compare it to. This way, you'll be able to view several policy service options with multiple insurers before you buy a new policy.
We analyzed the numbers for SUV insurance rates and found that, in many cases, a compact SUV costs less to insure than a comparable sedan. Perhaps, surprisingly, in many cases, an SUV is less expensive to insure than a sedan, but it often depends on the size of SUV you are looking at, as well as the sedan you compare it to. You don't have to drive a European SUV to see your premiums go up, insuring a Ford Expedition, Toyota Sequoia or Infiniti QX80 will almost always cost more than a sedan.