Whether they’re used on construction sites, family road trips or daily commutes, pickup trucks remain one of America’s most versatile vehicles. Mercury Insurance recently released its annual ranking of the 10 most affordable 2026 model year trucks to insure, helping buyers compare an important ownership expense before making a purchase.
“Truck buyers often focus on towing capacity, payload and performance,” said Chong Gao, director of R&D for Mercury Insurance. “Insurance costs deserve equal consideration because they’re part of the total cost of owning a truck.”
Modern pickups serve a wider range of drivers than ever, with many owners relying on them for work during the week and recreation on weekends, making long-term ownership costs increasingly important.
Meanwhile, insurance premiums reflect more than a vehicle’s purchase price. Repair complexity, replacement part availability, theft frequency and safety systems all play a role in determining insurance costs, according to the report.
“Comparing insurance before signing paperwork is one of the easiest ways shoppers can avoid unexpected expenses,” Gao explained.
Top 10 Least Expensive Trucks to Insure
The report’s 2026 findings for the least expensive pickups to insure includes:
- Chevrolet Colorado LT
- Chevrolet Silverado C3500
- Ford Maverick/Ford Ranger
- Hyundai Santa Cruz SE
- Toyota Tundra CrewMax
- Ford F-150
- Toyota Tacoma
- Ford F-350 Super Duty
- Dodge 1500/Ram 1500
- GMC Canyon Denali
Mercury Insurance’s Research & Development team analyzed insurance costs for new 2025-27 model year trucks. Rankings are based on Mercury’s internal insurance analysis. Individual premiums vary based on driver profile, location, coverage selections and other underwriting factors.