1. Vehicles
  2. Ford
  3. F-150
  4. 2009 Model Year

2009 Ford F-150 Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Nov 29, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2009 Ford F-150 are $1,032 a year for full coverage. Comprehensive insurance costs approximately $182, collision insurance costs $214, and liability costs around $478. Buying a liability-only policy costs as low as $526 a year, and high-risk insurance costs $2,214 or more. Teen drivers receive the highest rates at up to $4,120 a year.

Annual premium for full coverage: $1,032

Rate estimates for 2009 Ford F-150 Insurance

Comprehensive $182
Collision $214
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 driver in their 40's, prices range range from as low as $526 for just liability insurance to the much higher price of $2,214 for a driver who has had serious violations or accidents.

Liability Only $526
Full Coverage $1,032
High Risk $2,214

View Chart as Image

2009 Ford F-150 insurance rates compared
Column chart showing 2009 Ford F-150 insurance prices range from $629 to $4,120 for full coverage

These differences show why everyone should compare prices using their specific location 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 2009 Ford F-150 Insurance

Searching Companies

Want lower car insurance rates for your Ford F-150? Perplexed by the crazy number of car insurance choices? Lot’s of other consumers are too. Consumers have so many options that it can turn into a lot of work to find the best price.

It’s smart to take a look at other company’s rates quite often since rates change regularly. Even if you got the best price on F-150 coverage a few years ago you can probably find a better price now. So just forget all the misinformation about car insurance because it’s time to teach you how to use the internet to save money, get proper coverage and the best rates.

These six discounts can slash auto insurance rates

Car insurance companies don’t always list all available discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known ways to save on auto insurance.

  • Resident Student – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on F-150 coverage with a few auto insurance companies.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on F-150 coverage than less cautious drivers.
  • E-sign – A handful of insurance companies will give a small break for buying a policy and signing up on their website.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like you could get a free auto insurance policy, you won’t be that lucky.

When might I need the advice of an agent?

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.

For example, these questions might help in determining whether you would benefit from professional advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my dog or cat covered if injured in an accident?
  • Am I getting all the discounts available?
  • Should I have combined single limit or split liability limits?
  • Should I rate my 2009 Ford F-150 as pleasure use or commute?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

How can State Farm and Allstate save drivers who switch?

State Farm and Allstate constantly bombard you with television and radio advertisements. All the companies say the same thing of big savings if you switch to them. How does each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the type of driver that is profitable for them. For instance, a preferred risk could be between 30 and 50, insures multiple vehicles, and has excellent credit. A customer who fits that profile will get the preferred rates and most likely will save when they switch companies.

Drivers who don’t meet these standards will have to pay more money and this can result in the customer not buying. The ads state “customers that switch” not “people who quote” save that kind of money. That’s the way companies can advertise the way they do. Because of the profiling, you absolutely need to get as many comparisons as possible. Because you never know the company that will give you the biggest savings on Ford F-150 insurance.

Insurance coverage breakdown

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

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

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages

This coverage protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as pain and suffering, attorney fees and court costs. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, dental work, hospital visits, EMT expenses and doctor visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay 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 limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage on a shoestring budget

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where drivers have reduced collision coverage to discover at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cheaper 2009 Ford F-150 insurance can be found from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Consumers leave their current company for any number of reasons including high rates after DUI convictions, poor customer service, unfair underwriting practices or not issuing a premium refund. No matter why you want to switch, choosing a new company can be easier than you think.

To read more, feel free to browse these articles:

  • What Does No-Fault Insurance Cover? (Allstate)
  • Winter Driving (Insurance Information Insitute)
  • Tools for Teen Driving Safety (State Farm)
  • Understanding Limits and Deductibles (Allstate)

Rates by U.S. City

2009 Ford F-150 Insurance Rates by City
City Premium
New York City, NY $1,632
Los Angeles, CA $1,764
Philadelphia, PA $1,380
Jacksonville, FL $1,499
Phoenix, AZ $1,201
Chicago, IL $1,386
Houston, TX $1,620
Seattle, WA $1,005
Columbus, OH $864
Indianapolis, IN $879

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
16 $4,120
20 $2,344
30 $1,052
40 $1,032
50 $948
60 $926

Full coverage, $500 deductibles

Rates by Deductible

2009 Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,204
$250 $1,126
$500 $1,032
$1,000 $942

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,032
50/100 $1,128
100/300 $1,247
250/500 $1,558
100 CSL $1,175
300 CSL $1,438
500 CSL $1,630

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
16 $5,808
20 $3,736
30 $2,234
40 $2,214
50 $2,116
60 $2,094

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 $136

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $55
Homeowner $18
5-yr Accident Free $62
5-yr Claim Free $64
Paid in Full/EFT $37
Advance Quote $45
Online Quote $70
Total Discounts $403
Rate after discounts $629

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

Find companies with the cheapest rates in your area

2009 Ford F-150 Insurance Rates by State
State Premium
Alabama $934
Alaska $792
Arizona $858
Arkansas $1,032
California $1,176
Colorado $986
Connecticut $1,060
Delaware $1,168
Florida $1,292
Georgia $952
Hawaii $740
Idaho $700
Illinois $770
Indiana $778
Iowa $694
Kansas $982
Kentucky $1,408
Louisiana $1,528
Maine $636
Maryland $852
Massachusetts $828
Michigan $1,794
Minnesota $864
Mississippi $1,238
Missouri $916
Montana $1,110
Nebraska $816
Nevada $1,238
New Hampshire $744
New Jersey $1,156
New Mexico $914
New York $1,088
North Carolina $594
North Dakota $844
Ohio $714
Oklahoma $1,060
Oregon $944
Pennsylvania $986
Rhode Island $1,376
South Carolina $934
South Dakota $872
Tennessee $906
Texas $1,246
Utah $764
Vermont $706
Virginia $618
Washington $798
West Virginia $944
Wisconsin $714
Wyoming $922

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles