Truck vs SUV: Which One is Right for You? Cheaper to Insure?

Truck vs SUV? That’s a big decision when you’re getting ready to purchase a new vehicle. You might also want to know which has the best features? Or, which is better on the road or cheaper to insure? From road handling to engines and storage, here are a few factors that can help you find the right vehicle. Whether it's for work, family outings or the occasional off-road adventure, you might have a hard time deciding.

If you’re thinking about purchasing a truck, you might be looking at one for work-related reasons. Maybe you need to haul a lot of equipment in the bed of the truck so you need the storage space. Or, you might be thinking about the towing features with a new truck if you have to hitch it up to a trailer or boat.

Trucks are ideal because they are comparatively good on fuel when towing. While a truck won’t have the horsepower of a sports car or the luxury of a sedan, it has its benefits. Trucks can pull their weight and some specialize in max payloads. Pickup trucks are also the most reliable for hauling heavy machinery and weights.

Benefits of Having a Truck

For anyone who works outdoors, hauls heavy equipment or embraces the toughness of a truck, it has several advantages. Pickup trucks are rock-solid machines with extra space in the back and newer models have advanced towing features.

Truck benefits include:

  • Engines: A truck will have a powerful engine and some come in gas or diesel versions. With storage capacity, some trucks have an extended cab.
  • Towing Capacity: Trucks can pull trailers, boats, another vehicle or a camper. The storage bed can haul heavy materials like lumber or furniture making it a versatile vehicle.
  • Fuel Economy: Gas mileage can be better than some SUVs - especially when loaded.

Drawbacks of Having a Truck

Pickups have a few considerations that might sway some drivers towards SUVs. These include limited seating capacity and manoeuvrability.

Truck drawbacks include:

  • Maneuverability: Regarding drawbacks, trucks can be a bit difficult to maneuver with parking or on the roads.
  • Backing Up: Due to its size, it’s recommended to purchase a truck with a backup camera and around-view monitor.
  • Seating Options: Seating might be limited if you have a large family. Hence, it might be a good idea to buy the upgraded extended cab version. A full cab might seat up to 5 adults but the bed will likely be shorter.

Best Selling Trucks in Canada

Canada has a few best-selling trucks that include the Ford F-Series. It consistently outsells the Ram 1500.

Popular trucks in Canada based on auto sales data include:

  • Ford F-Series
  • Ram 1500
  • Chevrolet Silverado
  • GMC Sierra
  • Toyota Tacoma
  • Toyota Tundra
  • Chevrolet Colorado
  • GMC Canyon
  • Nissan Titan
  • Nissan Frontier

Best Trucks to Insure in Canada

For Canadian drivers that want low-cost auto insurance and towing capacities or extended storage beds, the Toyota Tacoma is one of the cheapest types of trucks to insure.

Popular brands that are cheapest to insure ranked from least to most expensive include:

  • Toyota Tacoma
  • GMC Canyon
  • Chevrolet Colorado
  • Nissan Titan
  • Ford F-Series
  • Nissan Frontier
  • Chevrolet Silverado
  • Toyota Tundra
  • GMC Sierra
  • Ram 1500

An Overview of Sports Utility Vehicles (SUVs)

SUVs are versatile, family-friendly vehicles. They are ideal for hauling small loads in the back as the seats usually fold down for more storage room. They are good passenger vehicles if you have a large family and want extra room for your passengers. SUVs are popular for drivers that want to mount skis or a bike rack on top and some SUVs can tow smaller sized trailers.

Benefits of Having an SUV

SUVs are convenient vehicles for families of all sizes. With ample storage space in the back, they’re good go-to vehicles for road trips. SUVs are also popular for off-roading adventures and they are easy to manoeuvre.

SUV benefits include:

  • Better Visibility and maneuverability: SUVs allow drivers to sit up higher so they have better road visibility. They are also easier to drive, back up and park than with a truck.
  • Ground Clearance: SUVs have higher ground clearance. They’re better for any type of off-road driving or winter-related driving as they can maneuver over most obstacles.
  • All-Wheel Drive: SUVs include all-wheel drive features making it easy to maneuver them in adverse weather or on rocky terrains.
  • Seating: SUVs have more space for passengers. Some SUVs can seat up to seven people.
  • Gas Consumption: SUVs are generally better on gas than trucks.

Drawbacks of Having an SUV

SUVs can come with a few drawback dangers drivers need to be aware of. These include the flipping danger, higher costs and increased insurance premiums.

SUV drawbacks include:

  • Flipping/Rolling: Because they’re higher up from the ground, in some highway accidents, SUVs are prone to flipping over. Newer models have features to help reduce flipping.
  • Higher Costs: SUVs cost more than cars and some trucks depending on the model and its features.
  • Increased Insurance Rates: SUVs are sometimes more expensive to insure because of their higher risk of accidents. Hence, comparison shopping for insurance is recommended.

Best Selling SUVs in Canada

SUVs are popular, family-friendly vehicles. The Toyota RAV4 was one of Canada’s best-selling SUVs followed by the Honda CR-V.

Popular SUVs in Canada based on auto sales data include:

  • Toyota RAV4
  • Honda CR-V
  • Ford Escape
  • Nissan Rogue
  • Hyundai Tucson
  • Mazda CX-5
  • Jeep Wrangler
  • Hyundai Santa Fe
  • Jeep Cherokee
  • Volkswagen Tiguan

Best SUVs to Insure in Canada

For Canadians interested in affordable auto insurance and extra storage space, the Jeep Wrangler is one of the cheapest types of SUVs to insure.

Popular brands that are cheaper to insure ranked from least to most expensive include:

  • Jeep Wrangler
  • Mazda CX-5
  • Hyundai Tucson
  • Ford Escape
  • Honda CR-V
  • Hyundai Santa Fe
  • Jeep Cherokee
  • Volkswagen Tiguan
  • Toyota RAV4
  • Nissan Rogue

Are You Ready to Shop for the Best Auto Insurance?

Whether your preference is an SUV or truck, they are both very popular vehicles. Trucks are useful for hauling and towing but they can be hard to manoeuvre. SUVs are family-friendly vehicles with plenty of trunk storage but they might cost more than a truck. To help you find insurance or if you have questions, contact Kanetix.ca.

With Kanetix.ca, you can compare insurance rates from Canada's leading insurers (and then get ready for your off-road adventure). Compare car insurance quotes.