Ford F-150 Lightning Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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The average auto insurance rates for a Ford F-150 Lightning are $1,736 annually including full coverage. Comprehensive insurance costs around $332, collision costs $668, and liability coverage costs $536. Liability-only insurance costs as little as $606 a year, with high-risk driver insurance costing $3,782 or more. Teens cost the most to insure at $6,586 a year or more.
Average premium for full coverage: $1,736
Policy rates for type of insurance:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all F-150 Lightning models.
Price Range Variability
For a driver in their 40's, Ford F-150 Lightning insurance rates go from as cheap as $606 for liability-only coverage to the much higher price of $3,782 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how location helps determine auto insurance rates.
The examples above highlight why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down estimated Ford F-150 Lightning insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $994
- Drivers who choose higher $1,000 deductibles will pay about $226 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,736
- Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $446 each year
- High-risk insureds with serious driving violations could pay at least $3,782 or more
- Policy cost with full coverage for a teenage driver for full coverage can be $6,586 a year
Auto insurance rates for a Ford F-150 Lightning also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $6,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $2,100 to $2,900 in extra premium every year, depending on your age. Ford F-150 Lightning insurance for high-risk drivers can cost around 44% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $680 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Ford F-150 Lightning insurance rates. A 40-year-old driver could pay as low as $1,330 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,470 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,568 | -$168 | -9.7% |
| Alaska | $1,330 | -$406 | -23.4% |
| Arizona | $1,440 | -$296 | -17.1% |
| Arkansas | $1,736 | -$0 | 0.0% |
| California | $1,980 | $244 | 14.1% |
| Colorado | $1,658 | -$78 | -4.5% |
| Connecticut | $1,784 | $48 | 2.8% |
| Delaware | $1,966 | $230 | 13.2% |
| Florida | $2,170 | $434 | 25.0% |
| Georgia | $1,604 | -$132 | -7.6% |
| Hawaii | $1,246 | -$490 | -28.2% |
| Idaho | $1,178 | -$558 | -32.1% |
| Illinois | $1,294 | -$442 | -25.5% |
| Indiana | $1,308 | -$428 | -24.7% |
| Iowa | $1,174 | -$562 | -32.4% |
| Kansas | $1,648 | -$88 | -5.1% |
| Kentucky | $2,368 | $632 | 36.4% |
| Louisiana | $2,570 | $834 | 48.0% |
| Maine | $1,074 | -$662 | -38.1% |
| Maryland | $1,432 | -$304 | -17.5% |
| Massachusetts | $1,386 | -$350 | -20.2% |
| Michigan | $3,014 | $1,278 | 73.6% |
| Minnesota | $1,454 | -$282 | -16.2% |
| Mississippi | $2,078 | $342 | 19.7% |
| Missouri | $1,542 | -$194 | -11.2% |
| Montana | $1,866 | $130 | 7.5% |
| Nebraska | $1,366 | -$370 | -21.3% |
| Nevada | $2,082 | $346 | 19.9% |
| New Hampshire | $1,250 | -$486 | -28.0% |
| New Jersey | $1,940 | $204 | 11.8% |
| New Mexico | $1,538 | -$198 | -11.4% |
| New York | $1,826 | $90 | 5.2% |
| North Carolina | $998 | -$738 | -42.5% |
| North Dakota | $1,424 | -$312 | -18.0% |
| Ohio | $1,200 | -$536 | -30.9% |
| Oklahoma | $1,782 | $46 | 2.6% |
| Oregon | $1,590 | -$146 | -8.4% |
| Pennsylvania | $1,658 | -$78 | -4.5% |
| Rhode Island | $2,318 | $582 | 33.5% |
| South Carolina | $1,574 | -$162 | -9.3% |
| South Dakota | $1,464 | -$272 | -15.7% |
| Tennessee | $1,520 | -$216 | -12.4% |
| Texas | $2,092 | $356 | 20.5% |
| Utah | $1,286 | -$450 | -25.9% |
| Vermont | $1,186 | -$550 | -31.7% |
| Virginia | $1,040 | -$696 | -40.1% |
| Washington | $1,340 | -$396 | -22.8% |
| West Virginia | $1,590 | -$146 | -8.4% |
| Wisconsin | $1,202 | -$534 | -30.8% |
| Wyoming | $1,548 | -$188 | -10.8% |
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every company calculates rates differently, and quoted rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-150 Lightning | $356 | $714 | $498 | $1,768 |
| 2023 Ford F-150 Lightning | $344 | $698 | $520 | $1,762 |
| 2022 Ford F-150 Lightning | $332 | $668 | $536 | $1,736 |
| 2021 Ford F-150 Lightning | $314 | $646 | $554 | $1,714 |
Rates are averaged for all Ford F-150 Lightning models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Ford F-150 Lightning Insurance
Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a quick review of the data covered in the charts and tables above.
- Consumers who may need increased levels of liability coverage will pay approximately $590 per year to go from a 30/60 limit to higher 250/500 limits
- You may be able to save up to $210 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Drivers age 20 and younger are expensive to insure, with premiums being up to $549 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,586 |
| 20 | $4,042 |
| 30 | $1,804 |
| 40 | $1,736 |
| 50 | $1,588 |
| 60 | $1,558 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,182 |
| $250 | $1,974 |
| $500 | $1,736 |
| $1,000 | $1,510 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,736 |
| 50/100 | $1,843 |
| 100/300 | $1,977 |
| 250/500 | $2,326 |
| 100 CSL | $1,897 |
| 300 CSL | $2,192 |
| 500 CSL | $2,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,398 |
| 20 | $6,442 |
| 30 | $3,858 |
| 40 | $3,782 |
| 50 | $3,612 |
| 60 | $3,578 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $92 |
| Multi-vehicle | $93 |
| Homeowner | $26 |
| 5-yr Accident Free | $129 |
| 5-yr Claim Free | $113 |
| Paid in Full/EFT | $79 |
| Advance Quote | $87 |
| Online Quote | $123 |
| Total Discounts | $742 |
Discounts are estimated and may not be available from every company or in every state.
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