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Are Diesel Trucks More Expensive to Insure?

The diesel engine has seen a notable renaissance in the truck world in the past few years. Thanks to manufacturers such as Duramax and Cummins, today’s diesel-powered engines have equipped many trucks with the ability to produce higher amounts of torque, tow larger quantities, and even offer a more conservative fuel consumption compared to their gasoline-powered counterparts. They accomplish all this while operating at lower RPMs and possessing a life expectancy far exceeding the industry norm of 100,000 miles.

Are Diesel Trucks More Expensive to Insure?

Used 2017 Ram 1500

When it comes to the cost of insurance premiums, there are a number of determining factors. The most significant of these generally have to do with your provider. If you buy a brand-new diesel-powered truck and are making payments to a financial institution, your premium will likely be higher, as many require the customer to take out a full coverage policy. That said, diesel engines are more expensive to produce, so insurance premiums tend to be higher than gasoline-powered vehicles.

Are Diesel Trucks More Expensive to Maintain?

Any engine that operates on diesel fuel requires more routine maintenance than gasoline-powered. A diesel engine is very much an investment. While you’ll certainly have to put a decent amount of work into it, the rewards you’ll reap are many. As we previously mentioned, when properly maintained, diesel engines can last for lengthy distances. For example, many drivers who rely on GM’s Duramax engine have reported getting well beyond 220,000 miles before any large repairs, such as rebuilding, are done. There are other factors to this, such as how hard you drive and how often you utilize the engine. Maintenance will be fewer and farther between if you’re using it as a work vehicle. If you’re using a diesel truck as your everyday driver or tow a great deal, expect to have a lot more upkeep done.

Will I Save Money on Fuel?

Diesel engines burn fuel much slower than gasoline. You can get a much farther MPG on diesel than with gasoline. For example, some diesel-powered V6s get upwards of over 30MPH while driving on the highway. If you’re looking to get the most mileage out of a fill-up, then diesel is the way to go.

The Truck Junction

Whether you’re in the diesel or gasoline-powered truck market, trust The Truck Junction’s experts to help you choose the ideal make and model for you. For our inventory and other services we offer, visit our website or stop by our Sarasota dealership located at 4791 Clark Road!