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1994 Ford F-150 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 18, 2021

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Average insurance rates for a 1994 Ford F-150 are $866 a year for full coverage. Comprehensive costs an estimated $132, collision costs $134, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,852. Teen drivers receive the highest rates at $3,568 a year or more.

Annual premium for full coverage: $866

Rate estimates for 1994 Ford F-150 Insurance

Comprehensive $132
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1994 Ford F-150 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $496 for only liability insurance to the much higher price of $1,852 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $866
High Risk $1,852

View Chart as Image

1994 Ford F-150 insurance rates compared
Column chart showing 1994 Ford F-150 insurance prices range from $541 to $3,568 for full coverage

These differences show why everyone should compare rates for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1994 Ford F-150 Insurance

Searching Companies

Are you intimidated by the crazy number of car insurance company choices? Lot’s of other consumers are too. Consumers have so many choices that it can quickly become a ton of work to find better rates.

Free Insurance Coverage Quotes

Most major insurance companies such as State Farm and Allstate quote insurance quotes on their websites. The process is pretty easy as you simply type in the coverage amounts you desire into a form. After you complete the form, their system will obtain your credit score and driving record and returns pricing information determined by many factors.

Being able to quote online streamlines rate comparisons, but the process of having to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible if you are searching for lower prices.

The preferred way to compare rates is to use a quote form that analyzes rates from more than one company. It saves time, requires much less work on your part, and makes quoting online a lot less work. Once the form is submitted, your coverage is rated and you are able to buy your choice of the quote results.

If you find a better price you can click and sign and buy the new coverage. It just takes a couple of minutes and you’ll know if lower rates are available.

In order to find out what other companies charge, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you copy your coverages exactly as shown on your declarations page. Using the same limits helps guarantee you’re receiving rate comparison quotes for exact coverage.

Take advantage of discounts

Car insurance can cost a lot, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but a few need to be asked for before you will receive the discount.

  • Driver Safety – Taking a driver safety course could save 5% or more if your company offers it.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • Multi-policy Discount – When you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current expiration date. The savings is around 10%.

It’s important to understand that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky. But all discounts will help reduce your overall premium however.

A partial list of companies that may offer these benefits include:

  • GEICO
  • MetLife
  • State Farm
  • Progressive
  • Mercury Insurance
  • 21st Century
  • Allstate

Check with each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

How to know if you need help

When it comes to buying adequate coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • Do I need replacement cost coverage on my 1994 Ford F-150?
  • Can I rent a car in Mexico?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I carry comprehensive and collision coverage?
  • Will my insurance pay for OEM parts?
  • When can my company non-renew my policy?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, colliding with a tree, crashing into a ditch, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1994 Ford F-150.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these limits are similar to your liability insurance amounts.

Liability – Liability coverage can cover damage that occurs to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, bail bonds, attorney fees, loss of income and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle, hitting a bird, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like dental work, ambulance fees, nursing services and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Keep this in mind

In this article, we presented a lot of tips how to shop for 1994 Ford F-150 insurance online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company.

Consumers leave their current company for a variety of reasons including high prices, not issuing a premium refund, policy cancellation or high rates after DUI convictions. No matter why you want to switch, finding a new insurance coverage company is easier than you think.

When shopping online for insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to find out that the savings was not a smart move. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

Additional detailed information is available by following these links:

Rates by U.S. City

1994 Ford F-150 Insurance Rates by City
City Premium
New York City, NY $1,374
Los Angeles, CA $1,482
Philadelphia, PA $1,159
Jacksonville, FL $1,260
Phoenix, AZ $1,011
Chicago, IL $1,163
Houston, TX $1,360
Seattle, WA $847
Columbus, OH $726
Indianapolis, IN $739

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1994 Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
16 $3,568
20 $1,970
30 $876
40 $866
50 $798
60 $780

Full coverage, $500 deductibles

Rates by Deductible

1994 Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$100 $982
$250 $928
$500 $866
$1,000 $806

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $866
50/100 $954
100/300 $1,065
250/500 $1,352
100 CSL $999
300 CSL $1,242
500 CSL $1,419

Full coverage, driver age 40

Rates for High Risk Drivers

1994 Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
16 $4,996
20 $3,136
30 $1,858
40 $1,852
50 $1,774
60 $1,754

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $112

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $46
Homeowner $16
5-yr Accident Free $48
5-yr Claim Free $53
Paid in Full/EFT $28
Advance Quote $35
Online Quote $57
Total Discounts $325
Rate after discounts $541

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1994 Ford F-150 Insurance Rates by State
State Premium
Alabama $786
Alaska $668
Arizona $722
Arkansas $866
California $988
Colorado $828
Connecticut $892
Delaware $982
Florida $1,086
Georgia $800
Hawaii $622
Idaho $588
Illinois $646
Indiana $654
Iowa $584
Kansas $826
Kentucky $1,184
Louisiana $1,286
Maine $536
Maryland $718
Massachusetts $696
Michigan $1,508
Minnesota $724
Mississippi $1,040
Missouri $770
Montana $932
Nebraska $684
Nevada $1,040
New Hampshire $626
New Jersey $970
New Mexico $770
New York $916
North Carolina $500
North Dakota $710
Ohio $600
Oklahoma $892
Oregon $796
Pennsylvania $828
Rhode Island $1,158
South Carolina $786
South Dakota $734
Tennessee $762
Texas $1,046
Utah $644
Vermont $594
Virginia $520
Washington $672
West Virginia $796
Wisconsin $602
Wyoming $774

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