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2015 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 2015 Ford F-150 are $1,206 a year with full coverage. Comprehensive costs approximately $240 each year, collision costs $352, and liability coverage costs around $456. Buying a liability-only policy costs as low as $508 a year, with high-risk insurance costing around $2,596. Teenage drivers receive the highest rates at $4,646 a year or more.

Annual premium for full coverage: $1,206

Rate estimates for 2015 Ford F-150 Insurance

Comprehensive $240
Collision $352
Liability $456

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 $508 for basic liability insurance to a high rate of $2,596 for a high risk driver.

Liability Only $508
Full Coverage $1,206
High Risk $2,596

View Chart as Image

2015 Ford F-150 insurance rates compared
Column chart showing 2015 Ford F-150 insurance prices range from $713 to $4,646 for full coverage

These differences demonstrate why all drivers should compare prices using their specific location and risk profile, rather than using 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.

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2015 Ford F-150 insurance

Searching for better car insurance rates for your Ford F-150? Expensive car insurance can dwindle your checking account and put the squeeze on your family’s finances. Comparing price quotes is a smart way to slash your bill and have more diposable income.

Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the definite best rate

If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Buying car insurance is not rocket science. But car owners can benefit from knowing the way companies determine prices and take advantage of how the system works.

Comprehensive Auto Insurance Comparison

There are a lot of ways to shop for auto insurance, but some are less time-consuming than others. You could waste time discussing policy coverages with insurance agencies in your area, or you could use the internet to get pricing more quickly.

Many insurance companies belong to an insurance system that allows shoppers to submit one quote, and each participating company provides a quote determined by their information. This prevents consumers from doing quote forms to each company.

To fill out one form to compare multiple rates now click to open in new window.

The only drawback to using this type of system is you can’t choose which carriers to receive prices from.

It’s your choice how you get your quotes, but ensure you are comparing the exact same deductibles and coverage limits on every quote. If each company quotes mixed coverages you can’t possibly truly determine the lowest rate. Just a small difference in limits may cause a big price difference. And when price shopping your coverage, comparing more company’s prices helps you find better pricing.

Verify you’re getting all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be asked about before you get the savings.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • One Accident Forgiven – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on F-150 coverage than drivers with accident claims.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will cut your premiums.

When should I talk to an agent?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • When does my teenage driver need to be added to my policy?
  • Should I buy full coverage?
  • What is UM/UIM insurance?
  • Am I covered if I drive in a foreign country?
  • Do I need replacement cost coverage?
  • If my 2015 Ford F-150 is totaled, can I afford another vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is extra glass coverage worth it?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage specifics

Having a good grasp of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average car insurance policy.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, colliding with a tree and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford F-150.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability coverages

This provides protection from damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like loss of income, repair costs for stationary objects, attorney fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Rates by U.S. City

2015 Ford F-150 Insurance Rates by City
City Premium
New York City, NY $1,908
Los Angeles, CA $2,061
Philadelphia, PA $1,610
Jacksonville, FL $1,754
Phoenix, AZ $1,400
Chicago, IL $1,620
Houston, TX $1,890
Seattle, WA $1,174
Columbus, OH $1,009
Indianapolis, IN $1,026

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
16 $4,646
20 $2,756
30 $1,242
40 $1,206
50 $1,104
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

2015 Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,464
$250 $1,346
$500 $1,206
$1,000 $1,072

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,206
50/100 $1,297
100/300 $1,411
250/500 $1,708
100 CSL $1,343
300 CSL $1,594
500 CSL $1,776

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
16 $6,586
20 $4,388
30 $2,634
40 $2,596
50 $2,478
60 $2,454

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $77
Paid in Full/EFT $49
Advance Quote $56
Online Quote $84
Total Discounts $493
Rate after discounts $713

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

Find companies with the cheapest rates in your area

2015 Ford F-150 Insurance Rates by State
State Premium
Alabama $1,090
Alaska $926
Arizona $1,000
Arkansas $1,206
California $1,374
Colorado $1,154
Connecticut $1,240
Delaware $1,366
Florida $1,512
Georgia $1,114
Hawaii $868
Idaho $816
Illinois $900
Indiana $908
Iowa $814
Kansas $1,148
Kentucky $1,646
Louisiana $1,784
Maine $746
Maryland $996
Massachusetts $966
Michigan $2,096
Minnesota $1,010
Mississippi $1,444
Missouri $1,070
Montana $1,298
Nebraska $950
Nevada $1,446
New Hampshire $868
New Jersey $1,348
New Mexico $1,068
New York $1,272
North Carolina $696
North Dakota $986
Ohio $834
Oklahoma $1,240
Oregon $1,106
Pennsylvania $1,150
Rhode Island $1,610
South Carolina $1,092
South Dakota $1,018
Tennessee $1,056
Texas $1,454
Utah $896
Vermont $828
Virginia $724
Washington $932
West Virginia $1,106
Wisconsin $836
Wyoming $1,076

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