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2002 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: Sep 20, 2017

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Average insurance rates for a 2002 Ford F-150 are $884 a year including full coverage. Comprehensive insurance costs on average $138 a year, collision costs $142, and liability coverage costs $446. Buying a liability-only policy costs as little as $500 a year, with high-risk insurance costing $1,888 or more. Teen drivers receive the highest rates at $3,626 a year or more.

Annual premium for full coverage: $884

Rate estimates for 2002 Ford F-150 Insurance

Comprehensive $138
Collision $142
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 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 a 40-year-old driver, prices range go from as low as $500 for just liability coverage to a high of $1,888 for high-risk insurance.

Liability Only $500
Full Coverage $884
High Risk $1,888

View Chart as Image

2002 Ford F-150 insurance rates compared
Column chart showing 2002 Ford F-150 insurance prices range from $551 to $3,626 for full coverage

These differences highlight why it is important for drivers to compare rates based on a specific location and risk profile, rather than using 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 2002 Ford F-150 Insurance

Searching Companies

Want the cheapest car insurance rates for your Ford F-150? Are you sick and tired of robbing Peter to pay Paul to insure your Ford every month? Your situation is no different than millions of other consumers.

With consumers having so many online and local companies to choose from, it’s nearly impossible to locate the most affordable provider.

Finding affordable coverage is not rocket science. If you have car insurance now, you should be able to save some money using these methods. Nevertheless, drivers do need to know how the larger insurance companies market insurance on the web because it can help you find the best coverage.

Low Cost Insurance

There are a variety of methods to shop for 2002 Ford F-150 insurance, but there is one way that is more efficient than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to achieve your goal.

Most car insurance companies enroll in a system that enables customers to enter their policy data once, and each participating company then gives them pricing determined by their information. This eliminates the need for quote forms to each company. To get comparison pricing now click here to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly which carriers to get pricing from. If you would rather choose specific insurance companies to compare prices, we have a page of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples quote information on every quote. If the quotes have different deductibles it will be next to impossible to truly determine the lowest rate. Slightly different limits may result in a large different in cost. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding a better price.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t always publicize every discount very well, so here is a list both well-publicized and also the lesser-known insurance coverage savings.

  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for F-150 coverage than less cautious drivers.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Defensive Driving Course – Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.

Drivers should understand that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies with discount insurance coverage rates, click this link.

Elements that influence Ford F-150 insurance rates

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

The list below includes some of the factors used by your company to calculate premiums.

  • Battle of the sexes – The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men cause accidents in similar numbers, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Don’t buy coverages you don’t need – There are a ton of extra bells and whistles that you can buy when buying car insurance. Things like roadside assistance, towing coverage and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but now you might not need them so remove them from your policy.
  • Multi-policy discounts can save money – Some insurers will award you with lower prices to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, you may still want to compare rates to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.

When should I use an insurance agent?

When choosing the best auto insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Does my 2002 Ford F-150 qualify for pleasure use?
  • Am I covered when delivering products for my home-based business?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Who is covered by my policy?
  • Does my car insurance cover rental cars?
  • Is my trailer covered?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverages for a 2002 Ford F-150

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Liability coverages

This coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against claims such as attorney fees, loss of income, repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, hitting a deer and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This covers damage to your F-150 resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, colliding with a tree, crashing into a ditch, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills like prosthetic devices, doctor visits, ambulance fees and surgery. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

One last thing

Lower-priced 2002 Ford F-150 insurance is attainable from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

More detailed insurance coverage information can be read by following these links:

Rates by U.S. City

2002 Ford F-150 Insurance Rates by City
City Premium
New York City, NY $1,398
Los Angeles, CA $1,512
Philadelphia, PA $1,182
Jacksonville, FL $1,285
Phoenix, AZ $1,028
Chicago, IL $1,184
Houston, TX $1,386
Seattle, WA $862
Columbus, OH $738
Indianapolis, IN $750

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
16 $3,626
20 $2,008
30 $892
40 $884
50 $814
60 $796

Full coverage, $500 deductibles

Rates by Deductible

2002 Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,002
$250 $948
$500 $884
$1,000 $818

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $884
50/100 $973
100/300 $1,085
250/500 $1,375
100 CSL $1,018
300 CSL $1,263
500 CSL $1,442

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
16 $5,078
20 $3,194
30 $1,896
40 $1,888
50 $1,806
60 $1,788

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 $114

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $49
5-yr Claim Free $54
Paid in Full/EFT $29
Advance Quote $36
Online Quote $58
Total Discounts $333
Rate after discounts $551

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

Find companies with the cheapest rates in your area

2002 Ford F-150 Insurance Rates by State
State Premium
Alabama $800
Alaska $678
Arizona $734
Arkansas $884
California $1,008
Colorado $844
Connecticut $910
Delaware $1,002
Florida $1,108
Georgia $816
Hawaii $634
Idaho $596
Illinois $658
Indiana $664
Iowa $596
Kansas $840
Kentucky $1,208
Louisiana $1,310
Maine $546
Maryland $730
Massachusetts $710
Michigan $1,536
Minnesota $738
Mississippi $1,060
Missouri $784
Montana $950
Nebraska $698
Nevada $1,060
New Hampshire $636
New Jersey $990
New Mexico $784
New York $932
North Carolina $510
North Dakota $724
Ohio $610
Oklahoma $908
Oregon $810
Pennsylvania $844
Rhode Island $1,180
South Carolina $800
South Dakota $746
Tennessee $774
Texas $1,066
Utah $656
Vermont $606
Virginia $530
Washington $684
West Virginia $810
Wisconsin $612
Wyoming $788

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