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2004 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 29, 2021

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Average insurance rates for a 2004 Ford F-150 are $910 a year with full coverage. Comprehensive insurance costs around $150, collision insurance costs $150, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, and high-risk insurance costs $1,936 or more. Teen drivers receive the highest rates at up to $3,694 a year.

Annual premium for full coverage: $910

Rate estimates for 2004 Ford F-150 Insurance

Comprehensive $150
Collision $150
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 range from as low as $504 for the bare minimum liability coverage to the much higher price of $1,936 for high-risk insurance.

Liability Only $504
Full Coverage $910
High Risk $1,936

View Chart as Image

2004 Ford F-150 insurance rates compared
Column chart showing 2004 Ford F-150 insurance prices range from $565 to $3,694 for full coverage

These differences demonstrate why everyone should compare rates for a specific zip code and risk profile, instead of 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 2004 Ford F-150 Insurance

Searching Companies

Trying to find lower auto insurance rates for your Ford F-150? Are you intimidated by the crazy number of auto insurance choices? You’re not alone. You have so many companies to choose from that it can turn into a lot of work to locate the lowest price.

Take advantage of discounts

Car insurance companies don’t always advertise every available discount very well, so we break down both well-publicized and the more hidden auto insurance savings.

  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.

As a disclaimer on discounts, many deductions do not apply the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies don’t profit that way.

How to know if you need help

When it comes to buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might point out whether you will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is business property covered if stolen from my car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I better off with higher deductibles on my 2004 Ford F-150?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

What insurance coverages do you need?

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses like surgery, prosthetic devices, rehabilitation expenses and chiropractic care. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay


This coverage provides protection from damage or injury you incur to other people or property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims like legal defense fees, court costs, medical expenses and structural damage. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, a broken windshield and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2004 Ford F-150.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision insurance

Collision insurance pays for damage to your F-150 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Keep this in mind

Consumers leave their current company for any number of reasons including policy cancellation, poor customer service, questionable increases in premium or even extreme rates for teen drivers. Whatever your reason, choosing a new company is not as difficult as it may seem.

Cheap 2004 Ford F-150 insurance can be sourced both online and with local insurance agents, so compare prices from both to have the best rate selection. Some companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just presented some good ideas how to save on insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the best price on auto insurance is with a smaller regional carrier.

More detailed auto insurance information can be read in the articles below:

Rates by U.S. City

2004 Ford F-150 Insurance Rates by City
City Premium
New York City, NY $1,437
Los Angeles, CA $1,551
Philadelphia, PA $1,212
Jacksonville, FL $1,318
Phoenix, AZ $1,056
Chicago, IL $1,220
Houston, TX $1,425
Seattle, WA $887
Columbus, OH $760
Indianapolis, IN $771

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
16 $3,694
20 $2,056
30 $918
40 $910
50 $834
60 $816

Full coverage, $500 deductibles

Rates by Deductible

2004 Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,034
$250 $978
$500 $910
$1,000 $840

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $910
50/100 $1,000
100/300 $1,113
250/500 $1,407
100 CSL $1,046
300 CSL $1,294
500 CSL $1,475

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
16 $5,178
20 $3,272
30 $1,946
40 $1,936
50 $1,852
60 $1,834

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 $117

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $48
Homeowner $17
5-yr Accident Free $51
5-yr Claim Free $56
Paid in Full/EFT $30
Advance Quote $38
Online Quote $60
Total Discounts $345
Rate after discounts $565

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

Find companies with the cheapest rates in your area

2004 Ford F-150 Insurance Rates by State
State Premium
Alabama $822
Alaska $696
Arizona $754
Arkansas $910
California $1,034
Colorado $866
Connecticut $936
Delaware $1,028
Florida $1,136
Georgia $838
Hawaii $654
Idaho $616
Illinois $678
Indiana $682
Iowa $612
Kansas $864
Kentucky $1,240
Louisiana $1,344
Maine $560
Maryland $750
Massachusetts $728
Michigan $1,580
Minnesota $760
Mississippi $1,088
Missouri $804
Montana $974
Nebraska $718
Nevada $1,090
New Hampshire $656
New Jersey $1,016
New Mexico $804
New York $958
North Carolina $524
North Dakota $744
Ohio $628
Oklahoma $934
Oregon $832
Pennsylvania $866
Rhode Island $1,212
South Carolina $824
South Dakota $766
Tennessee $794
Texas $1,096
Utah $672
Vermont $622
Virginia $544
Washington $704
West Virginia $832
Wisconsin $630
Wyoming $810

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