Sedans vs SUVs vs Trucks: Cost of Ownership Guide

Sedans vs SUVs vs Trucks: Cost of Ownership Guide

When shopping for a vehicle, the price tag isn’t the only number that matters. The true cost of ownership includes everything from fuel efficiency and insurance to long-term maintenance and depreciation.

At Dream Work Automotive, we help customers look beyond the surface to make the smartest choice for their lifestyle and budget. Here’s how sedans, SUVs, and trucks compare.

Sedans: Affordable and Efficient

• Upfront Cost: Lowest
• Fuel Efficiency: 25–35 MPG
• Insurance: Lower premiums
• Maintenance: Affordable parts and service
• Resale Value: Moderate (varies by brand/model)

Best for: Daily commuters, students, budget-conscious drivers

Takeaway: Sedans are wallet-friendly from start to finish. If you're looking to save on gas and monthly costs, sedans are the MVP.

SUVs: Versatility with Value

• Upfront Cost: Mid-range
• Fuel Efficiency: 18–28 MPG
• Insurance: Moderate to high
• Maintenance: More than sedans, less than trucks
• Resale Value: Often strong, especially in family-friendly markets

Best for: Families, road trippers, weekend warriors

Takeaway: SUVs offer a balance of space, style, and reliability. While they cost more than sedans, the added functionality can be worth it.

Trucks: Power That Comes at a Price

• Upfront Cost: Highest
• Fuel Efficiency: 15–22 MPG
• Insurance: Higher due to size and utility
• Maintenance: Most expensive (especially with 4WD)
• Resale Value: Strong in work-focused or southern markets

Best for: Towing, hauling, contractors, off-road adventures

Takeaway: Trucks are powerful and practical—but be prepared for higher operating costs. The value is in the utility.