Berki Alin · iStock.comAcross the U.S., it's easy to see why SUVs are the king of the road. They're everywhere. But could a truck save retirees more money?I asked ChatGPT to dig a little deeper into how these vehicles compare across several cost factors. While costs vary by make and model, here's how SUVs and trucks compare when it comes to fuel, maintenance, insurance and long-term reliability.Fuel CostsFilling up at the pump is one of the highest ongoing costs of owning a vehicle. ChatGPT pointed out that larger, heavier vehicles, like trucks, typically consume more fuel.AdvertisementAdvertisementAccording to the University of Michigan's Center for Sustainable Systems, fuel economy varies by vehicle type. Pickups generally have a fuel economy of 20.5 mpg, while SUVs have 40.5.But not all SUVs are fuel-efficient. For example, Tahoes and Expeditions are built on truck frames, and may be more expensive to drive than lighter trucks.MaintenanceIn general, maintenance costs are similar across SUVs and trucks, but ChatGPT added that trucks often require larger tires, heavy-duty brakes and more complex drivetrains, which are more expensive to fix or replace.According to TopSpeed, full-sized pickup trucks have the highest maintenance costs, averaging $936, while the average annual maintenance bill for all vehicle types is $652.InsuranceInsurance premiums vary, but data from the Insurance Institute for Highway Safety shows that larger vehicles, like pickup trucks, can lead to higher claim costs. This is because larger models are typically more expensive to purchase, repair and replace. Also, they tend to do more damage to whatever they hit.AdvertisementAdvertisementCNBC Select reported that the average annual auto insurance premium is $2,697 per year, but some SUVs cost several hundred dollars less per year.ReliabilityThe more reliable the vehicle, the less likely it is to need repairs. Progressive pointed out that SUVs generally last longer than trucks, but both are still among the most durable on the road.But reliability can vary widely by model. According to Consumer Reports, pickup trucks tend to have more inconsistent reliability scores, with many models ranking below average compared to SUVs.The Winner: SUVChatGPT stated that the SUV will save most retirees more money overall, particularly smaller, compact SUVs.AdvertisementAdvertisementSUVs typically have better fuel efficiency, lower total ownership costs and fewer high-cost repairs, ChatGPT explained. But a truck could win in some cases. If you need a truck for its durability and towing capacity, then it might make more sense to purchase a truck rather than an SUV.This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal, or tax advice. It was created with the assistance of artificial intelligence and reviewed by our editorial team for accuracy; however, AI-generated content may be inaccurate, incomplete, or outdated. You should independently verify important information through reliable sources before making any decisions based on this content.More From MoneyLion:Looking for Stability? Here's The Retirement Move More Investors Are Making in 2026This Financing Tool Helps Real Estate Investors Move Faster on DealsCash In Your Unused Gold at Today's Top PricesProtect Your Wealth With Physical Gold During Market Volatility