Trucks are built for toughness, and Americans love them for their utility, comfort, and road presence. But insurance companies don’t just see horsepower and hauling numbers they see repair bills, theft reports, and accident claims. Recently, several popular trucks have been flagged as “high-risk,” which means owners are facing higher premiums. Some are targeted by thieves, others cost a fortune to fix, and a few are simply involved in too many accidents. Here’s a deeper look at the nine models now under the insurance microscope.
Ford F-150
The F-150 isn’t just America’s best-selling truck it’s also the most stolen. Its popularity makes it irresistible to thieves, who know parts can be stripped and resold quickly. In addition, modern F-150s are loaded with complex tech like aluminum body panels and advanced driver aids that drive up repair bills. Even minor fender-benders can turn into multi-thousand-dollar insurance claims. With theft rates and repair costs stacked against it, insurers see the F-150 as a high-risk customer.
Chevrolet Silverado 1500
The Silverado is every bit as popular as the F-150, which also makes it a prime theft target. In addition, its accident involvement rate is among the highest of any truck in North America. From worksite collisions to highway pileups, insurers regularly pay out on Silverado claims. Repairs aren’t cheap either, especially for high-trim models with premium interiors and tech-heavy features. While owners love the reliability and power, the cost of fixing one keeps premiums high.
RAM 1500
With muscular looks and aggressive marketing, the RAM 1500 attracts buyers who often push their trucks hard whether that’s towing, off-roading, or enjoying the HEMI’s punch on the open road. Insurance companies see the results: more accident claims than rivals, often with larger payouts. Add in the cost of repairing a modern RAM packed with infotainment systems, sensors, and pricey trim options, and it’s no surprise the RAM 1500 is considered high-risk.
GMC Sierra 1500
The GMC Sierra shares much of its DNA with the Silverado, but with a luxury twist. Denali trims, in particular, come with plush interiors and advanced electronics that skyrocket repair costs after even minor accidents. High theft rates plague the Sierra as well, especially in southern states where full-size trucks are highly desirable. For insurers, the Sierra is a double hit: it’s both expensive to replace and expensive to repair.
Toyota Tacoma
It may be smaller, but the Tacoma has landed firmly on insurers’ lists. Why? Theft. The Tacoma consistently ranks near the top of stolen vehicle reports in western states, where its popularity and off-road reputation make it highly sought after. Its strong resale value makes it even more appealing to criminals, who know stolen parts fetch big money. While the Tacoma is reliable mechanically, insurers don’t like how often they disappear from driveways.
Toyota Tundra
The Tundra hasn’t had theft problems on the scale of the Tacoma, but its sheer size and repair costs put it on the high-risk radar. A heavy truck means heavier accident payouts when collisions happen, and Toyota’s parts aren’t as cheap or readily available as domestic rivals. Insurers also note that Tundras often get modified with lifts and oversized tires, changes that increase both accident risks and repair costs.
Nissan Titan
The Titan has always struggled to compete with American full-size trucks, and its insurance record doesn’t help. With limited production, replacement parts are scarce and expensive. This drives up the cost of even routine crash repairs. On top of that, resale values are poor, which means insurers end up paying out more relative to market value when Titans are totaled. It may not be as common a theft target, but the economics behind insuring a Titan still make it high-risk.
Ford Super Duty (F-250 and F-350)
Heavy-duty trucks like the Super Duty are built for big jobs, but that also means big risks. When an F-250 or F-350 is involved in an accident, the damage to other vehicles is often greater simply due to its size and weight. Repair bills are steep, especially with diesel versions packed with emissions systems, turbos, and complex transmissions. Theft is also an issue these trucks are valuable for work crews, and thieves know they can resell them quickly.
Chevrolet Colorado
The Colorado may be smaller than its Silverado sibling, but it isn’t cheap to insure. High theft rates in urban areas and a growing reputation for expensive accident repairs have raised red flags. Insurance companies note that midsize trucks like the Colorado often get used as daily drivers, meaning they spend more time in traffic and get into more collisions than full-size workhorses. Repair costs are higher than you’d expect for a truck this size, cementing its place on the list.
25 Facts About Car Loans That Most Drivers Don’t Realize
Car loans are one of the most common ways people fund car purchases. Like any other kind of loan, car loans can have certain features that can be regarded as an advantage or a disadvantage to the borrower. Understanding all essential facts about car loans and how they work to ensure that you get the best deal for your financial situation is essential. Here are 25 shocking facts about car loans that most drivers don’t realize:
25 Facts About Car Loans That Most Drivers Don’t Realize
