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1997 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 23, 2017

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Average insurance rates for a 1997 Ford F-150 are $866 a year for full coverage insurance. Comprehensive costs around $132, collision insurance costs $134, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,852. Teenage drivers receive the highest rates at up to $3,568 a year.

Annual premium for full coverage: $866

Rate estimates for 1997 Ford F-150 Insurance

Comprehensive $132
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1997 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 range from as low as $496 for only liability insurance to a much higher rate 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

1997 Ford F-150 insurance rates compared
Column chart showing 1997 Ford F-150 insurance prices range from $541 to $3,568 for full coverage

These differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using average rates.

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 1997 Ford F-150 Insurance

Searching Companies

Looking for the cheapest auto insurance rates for your Ford F-150? Have you had enough of being strong-armed to pay your car insurance bill each month? Your situation is no different than millions of other consumers. There are many car insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more challenging to find a good deal.

How to reduce Ford F-150 insurance rates

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but a few need to be specifically requested before you get the savings. If you don’t get every credit available, you’re paying more than you need to.

  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Safe Drivers – Safe drivers may save up to 50% more for F-150 coverage than less cautious drivers.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Accident Free – Good drivers with no accidents pay much less as compared to accident-prone drivers.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

For a list of insurance companies with the best insurance discounts, click here.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • What is the minimum liability in my state?
  • Does my personal policy cover me when driving out-of-state?
  • What is medical payments coverage?
  • If my 1997 Ford F-150 is totaled, can I afford another vehicle?
  • Is my teen driver covered when they drive my company car?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Specific coverages for a 1997 Ford F-150

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Collision – This coverage pays for damage to your F-150 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle, driving through your garage door, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, EMT expenses, dental work, surgery and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from a tornado or hurricane and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability – This coverage protects you from damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

More choices the merrier

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price.

You just learned quite a bit of information on how to reduce 1997 Ford F-150 insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

For more information, feel free to visit these articles:

Rates by U.S. City

1997 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

1997 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

1997 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

1997 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

1997 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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