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  4. 2010 Model Year

2010 Ford F-150 Insurance Rates

Average insurance rates for a 2010 Ford F-150 are $1,124 a year with full coverage. Comprehensive insurance costs approximately $214, collision costs $292, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,412 or more. Teenage drivers receive the highest rates at $4,386 a year or more.

Annual premium for full coverage: $1,124

Rate estimates for 2010 Ford F-150 Insurance

Comprehensive $214
Collision $292
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 middle-aged driver, prices range go from as low as $510 for only liability insurance to a much higher rate of $2,412 for a high risk driver.

Liability Only $510
Full Coverage $1,124
High Risk $2,412

View Chart as Image

2010 Ford F-150 insurance rates compared
Column chart showing 2010 Ford F-150 insurance prices range from $673 to $4,386 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.

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No one in their right mind cherishes buying auto insurance, especially when the cost is way too high. Many insurers compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate

Smart consumers take time to compare rates periodically since rates change frequently. Just because you found the best deal for F-150 coverage last year you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to find out one of the best ways to find the best coverage while lowering your premiums.

Don’t pay full price with these discounts

Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known ways to save on insurance coverage. If they aren’t giving you every credit possible, you are throwing money away.

  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates when buying insurance coverage for F-150 coverage.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Homeowners Savings – Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Life Insurance Discount – Some companies give a break if you buy auto and life insurance together.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for F-150 coverage depending on your company.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.

Drivers should understand that most discounts do not apply the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Recommended Companies for the Best Insurance Rates

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For a list of providers with discount insurance coverage rates, click here.

Your personal situation dictates your coverage

When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can help discover if you might need professional guidance.

  • What is the ISO rating for a 2010 Ford F-150?
  • Do I need added coverage for expensive stereo equipment?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when driving a rental car?
  • Do I benefit by insuring my home with the same company?
  • Is my 2010 Ford F-150 covered for smoke damage?
  • Is my babysitter covered when using my vehicle?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Do you really save 40% when you switch?

Consumers can’t get away from ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. They all seem to say the same thing of big savings if you change your coverage to them.

How do they all make the same claim? It’s all in the numbers.

All companies have a preferred profile for the type of driver that is profitable for them. An example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who fall outside the requirements will be charged higher rates which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully make the claims of big savings. That is why it’s extremely important to get quotes from several different companies. It is impossible to predict which auto insurance company will have the lowest Ford F-150 insurance rates.

The coverage is in the details

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like X-ray expenses, funeral costs, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, funeral expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hitting a bird and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2010 Ford F-150.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

One last thing about your coverage

You just read a lot of information how to lower your 2010 Ford F-150 insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may discover the biggest savings come from a smaller regional carrier. Smaller companies often have lower prices on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

Low-cost insurance is possible on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not provide the ability to get a quote online and these smaller companies work with independent agents.

When buying insurance coverage, never reduce needed coverages to save money. There have been many situations where an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your aim should be to buy enough coverage at the best price.

To read more, feel free to browse the following helpful articles:

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Rates by U.S. City

2010 Ford F-150 Insurance Rates by City
CityPremium
New York City, NY$1,776
Los Angeles, CA$1,920
Philadelphia, PA$1,501
Jacksonville, FL$1,631
Phoenix, AZ$1,308
Chicago, IL$1,505
Houston, TX$1,760
Seattle, WA$1,096
Columbus, OH$939
Indianapolis, IN$956

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Rates by Driver Age

2010 Ford F-150 Insurance Rates by Driver Age
Driver AgePremium
16$4,386
20$2,560
30$1,152
40$1,124
50$1,028
60$1,006

Full coverage, $500 deductibles

Rates by Deductible

2010 Ford F-150 Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,342
$250$1,242
$500$1,124
$1,000$1,008

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,124
50/100$1,216
100/300$1,331
250/500$1,630
100 CSL$1,262
300 CSL$1,515
500 CSL$1,699

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Ford F-150 Insurance Rates for High Risk Drivers
AgePremium
16$6,200
20$4,074
30$2,444
40$2,412
50$2,304
60$2,282

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 $151

Potential Rate Discounts

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

DiscountSavings
Multi-policy$58
Multi-vehicle$59
Homeowner$19
5-yr Accident Free$72
5-yr Claim Free$71
Paid in Full/EFT$44
Advance Quote$51
Online Quote$77
Total Discounts$451
Rate after discounts $673

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

2010 Ford F-150 Insurance Rates by State
StatePremium
Alabama$1,018
Alaska$862
Arizona$934
Arkansas$1,124
California$1,280
Colorado$1,074
Connecticut$1,156
Delaware$1,272
Florida$1,406
Georgia$1,036
Hawaii$806
Idaho$762
Illinois$836
Indiana$846
Iowa$756
Kansas$1,068
Kentucky$1,534
Louisiana$1,662
Maine$694
Maryland$926
Massachusetts$900
Michigan$1,952
Minnesota$942
Mississippi$1,344
Missouri$996
Montana$1,206
Nebraska$886
Nevada$1,350
New Hampshire$810
New Jersey$1,258
New Mexico$996
New York$1,184
North Carolina$648
North Dakota$920
Ohio$776
Oklahoma$1,154
Oregon$1,028
Pennsylvania$1,072
Rhode Island$1,500
South Carolina$1,018
South Dakota$948
Tennessee$984
Texas$1,354
Utah$832
Vermont$768
Virginia$672
Washington$870
West Virginia$1,028
Wisconsin$778
Wyoming$1,002

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