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2012 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: Oct 9, 2017

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Average insurance rates for a 2012 Ford F-150 are $1,124 a year for full coverage insurance. Comprehensive insurance costs on average $214 each year, collision costs $292, and liability insurance costs $460. Buying a liability-only policy costs as little 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 2012 Ford F-150 Insurance

Comprehensive $214
Collision $292
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 the average driver, prices range go from as low as $510 for just liability insurance to a high rate of $2,412 for a driver that may need high-risk insurance.

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

View Chart as Image

2012 Ford F-150 insurance rates compared
Column chart showing 2012 Ford F-150 insurance prices range from $673 to $4,386 for full coverage

These differences illustrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on average rates.

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 2012 Ford F-150 Insurance

Searching Companies

Are you overwhelmed by the sheer number of insurance coverage company choices? You have a lot of company. Drivers have so many choices that it can quickly become a real hassle to find better rates.

Verify you’re getting all your discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but a few need to be specially asked for in order for you to get them.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Safety Course Discount – Taking a course in driver safety can save you 5% or more if your company offers it.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • 55 and Retired – Older drivers may receive reduced rates on F-150 insurance.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on F-150 insurance than drivers with accidents.

Consumers should know that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, insurance companies aren’t that generous. Any amount of discount will cut your premiums.

A partial list of companies who might offer some of the above discounts include:

Before buying, ask all companies you are considering which discounts they offer. Savings might not apply in your state.

When should I talk to an agent?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • What exactly is covered by my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I get my company to pay me more for my totalled car?
  • Should I sign the liability waiver when renting a car?
  • Does car insurance cover theft of personal property?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Can you really save $453 a year?

Insurance coverage companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to say the same thing about savings if you move your policy. How does each company claim to save you money?

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could be a mature driver, has no driving citations, and has excellent credit. A propective insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save when switching.

Potential insureds who don’t measure up to the “perfect” profile will be quoted higher rates which leads to business not being written. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do.

This emphasizes why drivers should compare as many rates as you can. You cannot predict the company that will give you the biggest savings on Ford F-150 insurance.

Car insurance policy specifics

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford F-150.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, vandalism, damage from getting keyed and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills such as EMT expenses, X-ray expenses, surgery, hospital visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as attorney fees, repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision – This coverage pays for damage to your F-150 from colliding 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 can pay for claims like sideswiping another vehicle, hitting a mailbox, colliding with a tree, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Money doesn’t grow on trees

Cost effective 2012 Ford F-150 insurance is definitely available on the web in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, high prices, being labeled a high risk driver or denial of a claim. Regardless of your reason, finding the right insurance provider is not as difficult as it may seem.

You just learned some good ideas how you can compare insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the biggest savings come from some of the smallest insurance companies.

Helpful learning opportunities

Rates by U.S. City

2012 Ford F-150 Insurance Rates by City
City Premium
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

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
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

2012 Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$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 Limit Premium
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

2012 Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
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.

Discount Savings
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.

Find companies with the cheapest rates in your area

2012 Ford F-150 Insurance Rates by State
State Premium
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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