By Jasmine Carter · Staff Writer
Published
Answer in brief
Full-size pickups are among the more expensive vehicles for young drivers to insure—more damage to others, higher repair costs, higher theft on some models. His quotes came back about 45% higher than a mid-size sedan of similar value.
"I'm 18 with a clean record and I've saved for a used full-size pickup. My dad says insurance will kill me. Is he right?" — reader in Tennessee
Mostly. We asked him to quote the truck and a comparable-value mid-size sedan with the same coverage. The truck came back roughly 45% higher—mainly in liability (trucks do more damage to other vehicles) and collision (body panels and parts cost more).
What he decided
He bought the sedan, kept the difference in savings, and plans to revisit the truck at 21 when his rates have fallen and he has three clean years. The cars guide covers why vehicle choice moves the number so much at 18.
Guides referenced in this post
Guide
Best Cars to Insure at 18
Which cars are cheap and expensive to insure for an 18-year-old—size, horsepower, safety ratings, repair cost, theft—and how to check before buying.
Guide
How Much Car Insurance Costs at 18
What 18-year-olds pay for car insurance on their own policy and on a parent's, why 18 is priced the way it is, and what changes by 19, 21 and 25.