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  4. 2016 Model Year

2016 Ford F-150 Insurance Rates

Average insurance rates for a 2016 Ford F-150 are $1,234 a year with full coverage. Comprehensive insurance costs around $280 each year, collision costs $424, and liability insurance costs around $378. Buying a liability-only policy costs as low as $438 a year, with high-risk insurance costing $2,644 or more. Teen drivers receive the highest rates at $4,584 a year or more.

Annual premium for full coverage: $1,234

Rate estimates for 2016 Ford F-150 Insurance

Comprehensive $280
Collision $424
Liability $378

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 $438 for a discount liability-only rate to a high rate of $2,644 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $1,234
High Risk $2,644

View Chart as Image

2016 Ford F-150 insurance rates compared
Column chart showing 2016 Ford F-150 insurance prices range from $725 to $4,584 for full coverage

These differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

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Recommended Companies for Cheap 2016 Ford F-150 Insurance

Searching Companies

Searching for the cheapest car insurance rates for your Ford F-150? Cutting costs on Driverscar insurance could be kind of frustrating for people new to buying insurance online. Consumers have so many different companies and agents to choose from that it can easily turn into more work than you anticipated to locate the lowest price.

Consumers should take time to do price comparisons yearly because car insurance prices tend to go up over time. Despite the fact that you may have had the best rates on F-150 coverage a couple years back a different company probably has better rate quotes today. Don’t believe everything you read about car insurance online but in this article, you’re going to get some tested techniques to lower your car insurance bill.

If you currently have car insurance, you will most likely be able to save some money using these tips. This information will help you learn how to effectively get price quotes and some tricks to saving. But car owners must comprehend the way companies price online insurance and use this information to your advantage.

Low cost insurance prices

There are several ways you can shop for insurance but some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

Recommended Companies for the Best Insurance Rates

Searching Companies

Many of the larger companies are enrolled in a marketplace that enables customers to only type in their quote data once, and at least one company then gives them pricing. This saves time by eliminating repetitive form submissions to every company. To find out what other companies charge click here to open in new window.

The only drawback to comparing rates this way is that consumers can’t choose the insurers you will receive quotes from. If you prefer to choose individual companies to compare prices, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just be certain you are entering identical coverages and limits for every quote you compare. If you compare differing limits it’s not possible to determine which rate is truly the best. Having just a slight variation in limits could throw off the whole comparison. And when comparison shopping, comparing more quotes gives you a better chance of getting a better price. Some regional insurers cannot provide online price quotes, so it’s necessary to compare rates from them as well.

Insurance coverage discounts help cut rates

Not many people think insurance is cheap, but there are discounts available to reduce the price significantly. Some discounts apply automatically when you get a quote, but some must be manually applied prior to receiving the credit.

  • Low Mileage – Fewer annual miles on your Ford may enable drivers to earn cheaper insurance coveragerates.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates on your policy.
  • Telematics Discount – Drivers that enable driving data submission to scrutinize driving manner remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
  • Government Employee Discount – Federal government employees could cut as much as 10% off on F-150 coverage depending on your company.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.

A quick disclaimer, many deductions do not apply the whole policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, nobody gets a free ride. But any discount will help reduce your insurance coverage premiums.

Larger insurance coverage companies and their possible discounts are outlined below.

  • Farmers Insurance has discounts for pay in full, mature driver, electronic funds transfer, multi-car, and good student.
  • State Farm has savings for good driver, accident-free, student away at school, anti-theft, and good student.
  • Liberty Mutual offers discounts for newly retired, new move discount, hybrid vehicle, newly married, preferred payment discount, and safety features.
  • MetLife may have discounts that include claim-free, accident-free, defensive driver, good student, and multi-policy.
  • Progressive offers discounts including online signing, good student, multi-vehicle, online quote discount, multi-policy, and homeowner.

If you need lower rates, check with each company the best way to save money. Some discounts may not apply to policyholders in your area. To choose insurance coverage companies offering insurance coverage discounts, follow this link.

Which is the best insurance?

When it comes to buying the best insurance coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether or not you may require specific advice.

  • Why do I only qualify for high-risk insurance?
  • Is my custom paint covered by insurance?
  • Am I covered if I drive in a foreign country?
  • Does car insurance cover theft of personal property?
  • Am I covered when driving a rental car?
  • Do I really need UM/UIM coverage?
  • Are split liability limits better than a combined single limit?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Exactly who is provided coverage by my policy?
  • What is no-fault insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.

Learn about auto insurance coverages for a Ford F-150

Having a good grasp of a auto insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield, rock chips in glass, damage from flooding and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Liability

This will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $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. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like pain and suffering, legal defense fees, medical services, structural damage and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like hospital visits, funeral costs, chiropractic care, surgery and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, hitting a mailbox, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2016 Ford F-150 Insurance Rates by City
CityPremium
New York City, NY$2,409
Los Angeles, CA$2,079
Philadelphia, PA$1,943
Jacksonville, FL$1,930
Phoenix, AZ$1,733
Chicago, IL$1,652
Houston, TX$1,539
Seattle, WA$1,368
Columbus, OH$1,050
Indianapolis, IN$994

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Rates by Driver Age

2016 Ford F-150 Insurance Rates by Driver Age
Driver AgePremium
16$4,584
20$2,810
30$1,282
40$1,234
50$1,124
60$1,104

Full coverage, $500 deductibles

Rates by Deductible

2016 Ford F-150 Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,540
$250$1,400
$500$1,234
$1,000$1,074

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,234
50/100$1,310
100/300$1,404
250/500$1,650
100 CSL$1,347
300 CSL$1,555
500 CSL$1,707

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Ford F-150 Insurance Rates for High Risk Drivers
AgePremium
16$6,522
20$4,460
30$2,698
40$2,644
50$2,522
60$2,494

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 $165

Potential Rate Discounts

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

DiscountSavings
Multi-policy$65
Multi-vehicle$63
Homeowner$18
5-yr Accident Free$86
5-yr Claim Free$78
Paid in Full/EFT$54
Advance Quote$58
Online Quote$87
Total Discounts$509
Rate after discounts $725

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

2016 Ford F-150 Insurance Rates by State
StatePremium
Alabama$1,184
Alaska$1,012
Arizona$1,238
Arkansas$1,250
California$1,386
Colorado$1,282
Connecticut$1,616
Delaware$1,502
Florida$1,664
Georgia$1,226
Hawaii$1,332
Idaho$858
Illinois$918
Indiana$880
Iowa$928
Kansas$1,132
Kentucky$1,598
Louisiana$1,998
Maine$846
Maryland$1,270
Massachusetts$1,086
Michigan$2,270
Minnesota$1,084
Mississippi$1,208
Missouri$1,054
Montana$1,120
Nebraska$1,016
Nevada$1,596
New Hampshire$1,006
New Jersey$1,230
New Mexico$1,146
New York$1,606
North Carolina$874
North Dakota$1,200
Ohio$868
Oklahoma$1,498
Oregon$1,156
Pennsylvania$1,388
Rhode Island$1,498
South Carolina$1,150
South Dakota$966
Tennessee$1,110
Texas$1,184
Utah$1,094
Vermont$878
Virginia$886
Washington$1,086
West Virginia$1,256
Wisconsin$1,258
Wyoming$1,362

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