Two Pickups Rank in Top 20 Least Expensive Vehicles to Insure

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Each year, Insure.com ranks more than 2,800 vehicles to find out which have the most and least expensive average insurance rates. Insurance.com pulls quotes from six insurance companies in each state, averages them and provides consumers with that information for current model-year vehicles. The quotes Insurance.com received were based on this scenario: a 40-year-old male who commutes 12 miles to work each day with typical policy and deductible limits.

For 2017, two pickup trucks ranked among the top 20 least expensive vehicles to insure in the U.S. As you'd expect, both are entry-level models: the Nissan Frontier S mid-size pickup and the full-size Ford F-150 XL.

According to Insure.com, it costs $1,216 on average to insure the Nissan, which landed at No. 15 on the inexpensive list. The average cost to insure the Ford F-150 XL is $1,219 per year; it tied with the Honda HR-V LX and Subaru Crosstrek 2.0 for No. 17 on the least expensive list.

It's worth noting that not a single pickup made the top 20 list of the most expensive vehicles to insure. But maybe this is not so surprising given the fact this list is littered with high-performance German sports cars.

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Comments

No further proof is needed. The F150 is the bottom feeder, rental market, fleet market champ. Any questions?

I'm confused. How could this happen? The all aluminum F150 was supposed to be the most expensive of all vehicles to insure.

I think this article is bogus, because my wife and I have owned dozens of vehicles from all major brands, and the Nissans by far are the most expensive to insure. In fact, her current Maxima is 7 years old and it costs more than my F150 and Mustang GT combined. And the truck I had before this F150 was a Frontier and it was much higher to insure than my larger, more expensive F150.

If you want cheap insurance, stick to domestic brands and vehicles that are common like the F150 steel body trucks, GM trucks, Jeeps, etc.

If you want cheap insurance, stick to domestic brands and vehicles that are common like the F150 steel body trucks, GM trucks, Jeeps, etc. Posted by: WXman

@Wxman

ususally the insurance websites are looking at compilations of data, not just the experience of one families rates.

papajim is correct. Insurers vary wildly in what they charge to insure various brands and models. I once switched companies because buying a different car doubled my rate. By shopping around I found another company that insured it for the price of my previous vehicle. Apparently, each company has their own actuarial models, and to offer a "cost of insurance" comparison does require a composite of many quotes.

Apparently, each company has their own actuarial models

@Montessa VR

yes, and they have lists of geographic and demographic markets that they want to exploit, to build, and those that they want to abandon. And it's different for every insurance company.

Where I live today, I'm able to insure 2 late model cars and a 2009 pickup with full coverage for less premium than I used to spend for my old 1994 Ranger when I lived in a different county, just 20 minutes drive from here.

It makes sense. Why would trash be worth much anyways.

It makes sense. Why would trash be worth much anyways.

That is a load of crap I've check on the ford a month ago cause I was going to buy one

No further proof is needed. The F150 is the bottom feeder, rental market, fleet market champ. Any questions?


Posted by: papajim | Jun 20, 2017 9:11:07 AM

Agree, also the thieves love those Ford trucks to replace the parts falling off of theirs.

But, but, but the aluminum.....it will cost more to insure. That's what my daddy told me.

I'm sure that insurance companies take into consideration the amount of down time associated with the F-150 and price accordingly.

I love the new Ford F-150 XL's. They are better than loaded XLTs from a few years ago.

LOVE
FORD!

WOW! A rust free aluminum Ford F150 is cheaper to insure than a rust prone old steel bodied Chevy. LOL

I would not buy an aluminum truck. The body is very fragile and it tears with the mildest of impacts. yes they do have a good safety rating but that can be achieved with steel as well. Minor collisions do thousands in damage.

https://www.youtube.com/watch?v=2fVSdA1rYKE

Ford trucks use a steel frame.
If rust is an issue then why not aluminum?
Answer is that aluminum is used for weight reduction. Not strength. Not corrosion protection.

Ford trucks use a steel frame.
If rust is an issue then why not aluminum?
Answer is that aluminum is used for weight reduction. Not strength. Not corrosion protection.

@papajim,
This is reflects on design intent and overall quality of the vehicle. Huge bragging point for Ford, especially considering all the rants about aluminum.

@papajim,
This is reflects on design intent and overall quality of the vehicle. Huge bragging point for Ford, especially considering all the rants about aluminum.

Small part of insurance rates actual go to collision. Medical cost is where it gets expensive on insurance. Being Ford is the safest of all trucks and the only recommended by iihs it is safe to say insurance companies have less to pay out in medical due to the safety compared to brands other then ford. Fixing dents is a really small part of insurance premiums

Fords are junk, what you save in insurance you spend thousands more on the fuel pig eco boost engines and weak timing chains.

Fords are junk, what you save in insurance you spend thousands more on the fuel pig eco boost engines and weak timing chains.

Dagnabbit!!!

That's a lower Ford quote because they happened to find two insurers whose current data (which isn't much, considering the truck only has been available in limited numbers this calendar year) meets Fod's denial!!!

What about GEICO, Progressive, Travelers, Liberty Mutual, and dozens of other insurers?!!!

Does Ford really believe consumers will buy their statement, which would only be accurate if *all* aluminum F-150s were insured by Allstate and State Farm?!!!!

Fords are junk!!! And that's the bottom line!!! Let it be written!!! Let it be done!!!

Dagnabbit!!!

That's a lower Ford quote because they happened to find two insurers whose current data (which isn't much, considering the truck only has been available in limited numbers this calendar year) meets Fod's denial!!!

What about GEICO, Progressive, Travelers, Liberty Mutual, and dozens of other insurers?!!!

Does Ford really believe consumers will buy their statement, which would only be accurate if *all* aluminum F-150s were insured by Allstate and State Farm?!!!!

Fords are junk!!! And that's the bottom line!!! Let it be written!!! Let it be done!!!

Fords are junk!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Fords are junk!!! And that's the bottom line!!! Let it be written!!! Let it be done!!!


Posted by: Sierra | Jun 20, 2017 3:17:57 PM

You dropped your pacifier again. Someone help this DOLT.

I am a nasty man!!!

I am a nasty man!!!
Posted by: Frank | Jun 20, 2017 3:52:15 PM


You dropped your pacifier again. Someone help this DOLT.

GM wins and Ford loses again!

The Great Michigan "THE DOLT" Bob is back with a Vengeance and is already taking peoples name.

HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!

The Great Michigan "THE DOLT" Bob is back with a Vengeance and is already taking peoples name.

HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAH!!!!

Darn, the F150 is also the lowest to insure!...hey just add that to the many No.1 crowns for the F-series. But I suppose that's normal being the safest truck on the road today & rust proof...

So the poor GOVT motor's fangirlies are now up in arms again, they just can't accept another crown for Ford...HAHAHAHA!!!!

But hey girlies, maybe you will stop crying soon when GOVT motors releases their next copy-cat twins to catch up to the F-series. But by then, Ford will be 2-3 steps ahead...again! HAHAHAHA!!!...keep following the leader for 41 yrs & counting :-))

That's really strange, a 12 mile commute. Don't think anybody driving a base truck has that luxury. What's the usual vechile mileage a year these days 14-15k.

Ford's going to import from china next year.

All, this great news for all pickup owners. Everyone knows that GM is following suit with extensive use of aluminum. None of the scary scenarios are playing out and this will encourage other manufacturers to follow the lead of Ford and GM.
I know that aluminum corrodes but no where near the level as steel. This will leave consumers with trucks that last much longer and look good doing so.
I am not a brand loyal guy but I am amazed at the late model GM and Rams rusting through the wheel wells. Bash this all you want but they look like mid 90's Fords.

All, this great news for all pickup owners. Everyone knows that GM is following suit with extensive use of aluminum. None of the scary scenarios are playing out and this will encourage other manufacturers to follow the lead of Ford and GM.
I know that aluminum corrodes but no where near the level as steel. This will leave consumers with trucks that last much longer and look good doing so.
I am not a brand loyal guy but I am amazed at the late model GM and Rams rusting through the wheel wells. Bash this all you want but they look like mid 90's Fords.

Bash this all you want but they look like mid 90's Fords.


Posted by: Firefighter | Jun 20, 2017 8:41:21 PM

Not where i am from. My Ford burnt to the ground from one of it's multi million recalls for FIRE. Never buy one again. Pure garbage.

P.S. save your money and buy a new mouse so we don't have to read your useless posts twice.

Not where i am from. My Ford burnt to the ground from one of it's multi million recalls for FIRE. Never buy one again. Pure garbage.
Posted by: HEMI V8 | Jun 20, 2017 10:14:27 PM

To clarify, that was a 1980s Mustang that you were smoking in and didn't insure.

Firefighter - the worst offenders that I see for rusting out around the box wheel wells are Ram/Dodge pickups.

Firefighter - the worst offenders that I see for rusting out around the box wheel wells are Ram/Dodge pickups.
Posted by: Lou | Jun 21, 2017 12:06:08 AM

Not from where HEMI V8 is from. His Ford burnt to the ground and rusted down to nothing. We will never buy one again. Pure garbage.

Ford wins again

Ford wins again Posted by: Cool

@cool

Wins? No actually Kyle Larson was driving a Chevy on Sunday when he won the Cup race in Michigan.

Sorry about your luck

There are several things at play here- they're relatively cheap vehicles- this limits maximum payout.
The F150 also gets good occupant protection scores, so that helps with injury claims.
Both are simple trucks, so minor collisions are repaired with simple part replacement, many of them not even needing paint..
Outside of fleets (many large ones are self-insured, so they don't tally) regular cab trucks are bought by old guys, who haven't gotten a citation since digital record keeping started and have excellent credit..

More crap from this website, favors ford again.
Checked with my local insurance outlet and the GMC @ Chevrolet 1500's are both $31.00 cheaper to insure.

O wow the Spin.

Hey folks a few simple lessons for the very simple out there.

Being less to insure is a GOOD thing.
Fleet sales are a GOOD thing.
Aluminum body is a GOOD thing.

Bankruptcy is a BAD thing.
Bankruptcy AND being given to an Italian company by the US Gov is a double BAD thing.

Those claiming insurance would skyrocket with the use of aluminum in the body have been proven wrong. AGAIN.

HAHAHAHAHA!!!...couldn't have said it better Clint :-))

Hehe my Chebby is so cheap to insure they pay me. You Ferd owners are getting ripped off! Buy Chebby and get paid ya'll!
My Chebby gets such good gas mileage the oil company's want to buy it so they can patent that GM engineering goodness and shut it down.
My Chebby is so reliable that all the mechanics are going out of biz here in Chebbyville.

You non-Chebby owners are suckers and fools.

This is because the bad guy don't still the Ford imagine you brake down stock beside the road,,,



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