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  3. F-150
  4. 2004 Model Year

2004 Ford F-150 Insurance Rates

Average insurance rates for a 2004 Ford F-150 are $970 a year with full coverage. Comprehensive insurance costs around $160, collision insurance costs $178, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,076 or more. Teen drivers receive the highest rates at up to $3,924 a year.

Annual premium for full coverage: $970

Rate estimates for 2004 Ford F-150 Insurance

Comprehensive $160
Collision $178
Liability $474

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 $522 for the bare minimum liability coverage to the much higher price of $2,076 for high-risk insurance.

Liability Only $522
Full Coverage $970
High Risk $2,076

View Chart as Image

2004 Ford F-150 insurance rates compared
Column chart showing 2004 Ford F-150 insurance prices range from $596 to $3,924 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.

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Recommended Companies for Cheap 2004 Ford F-150 Insurance

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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.

For a list of insurance companies with discount auto insurance rates, click here to view.

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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:

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2004 Ford F-150 Insurance Rates by City
New York City, NY$1,533
Los Angeles, CA$1,659
Philadelphia, PA$1,296
Jacksonville, FL$1,408
Phoenix, AZ$1,126
Chicago, IL$1,296
Houston, TX$1,518
Seattle, WA$948
Columbus, OH$811
Indianapolis, IN$823

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Rates by Driver Age

2004 Ford F-150 Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

2004 Ford F-150 Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$1,112
300 CSL$1,373
500 CSL$1,563

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Ford F-150 Insurance Rates for High Risk Drivers

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 $128

Potential Rate Discounts

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

5-yr Accident Free$56
5-yr Claim Free$60
Paid in Full/EFT$33
Advance Quote$41
Online Quote$65
Total Discounts$374
Rate after discounts $596

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

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