Ford F-150 Lightning Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Ford F-150 Lightning are $1,762 a year with full coverage. Comprehensive insurance costs around $344, collision insurance costs $698, and liability is estimated at $520. A policy with only liability insurance costs approximately $592 a year, and a high-risk policy costs $3,832 or more. Teens pay the most at up to $6,638 a year.
Average premium for full coverage: $1,762
Premium estimates for type of coverage:
These estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all F-150 Lightning models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Ford F-150 Lightning range from the low end price of $592 for just liability insurance to the much higher price of $3,832 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why everyone should get quotes for a specific zip code, instead of 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.
More Rate Details
The chart below details average Ford F-150 Lightning insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,005
- Choosing higher $1,000 deductibles can save about $236 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,762
- Selecting pricier low deductibles for comp and collision coverage will cost an additional $462 every year
- Unlucky drivers with serious driving violations could pay at least $3,832
- An auto insurance policy that insures a teen driver for full coverage can be $6,638 each year
Car insurance prices for a Ford F-150 Lightning also have a wide range based on the model of your F-150 Lightning, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $2,100 to $2,900 extra annually, depending on your age. Ford F-150 Lightning insurance for high-risk drivers ranges as much as 44% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $6,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Ford F-150 Lightning insurance prices. A good driver about age 40 could pay as low as $1,270 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,370 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,592 | -$170 | -9.6% |
| Alaska | $1,348 | -$414 | -23.5% |
| Arizona | $1,460 | -$302 | -17.1% |
| Arkansas | $1,762 | -$0 | 0.0% |
| California | $2,006 | $244 | 13.8% |
| Colorado | $1,682 | -$80 | -4.5% |
| Connecticut | $1,808 | $46 | 2.6% |
| Delaware | $1,994 | $232 | 13.2% |
| Florida | $2,200 | $438 | 24.9% |
| Georgia | $1,624 | -$138 | -7.8% |
| Hawaii | $1,264 | -$498 | -28.3% |
| Idaho | $1,194 | -$568 | -32.2% |
| Illinois | $1,312 | -$450 | -25.5% |
| Indiana | $1,328 | -$434 | -24.6% |
| Iowa | $1,192 | -$570 | -32.3% |
| Kansas | $1,672 | -$90 | -5.1% |
| Kentucky | $2,402 | $640 | 36.3% |
| Louisiana | $2,606 | $844 | 47.9% |
| Maine | $1,086 | -$676 | -38.4% |
| Maryland | $1,454 | -$308 | -17.5% |
| Massachusetts | $1,408 | -$354 | -20.1% |
| Michigan | $3,058 | $1,296 | 73.6% |
| Minnesota | $1,474 | -$288 | -16.3% |
| Mississippi | $2,110 | $348 | 19.8% |
| Missouri | $1,564 | -$198 | -11.2% |
| Montana | $1,894 | $132 | 7.5% |
| Nebraska | $1,388 | -$374 | -21.2% |
| Nevada | $2,112 | $350 | 19.9% |
| New Hampshire | $1,266 | -$496 | -28.1% |
| New Jersey | $1,970 | $208 | 11.8% |
| New Mexico | $1,560 | -$202 | -11.5% |
| New York | $1,852 | $90 | 5.1% |
| North Carolina | $1,014 | -$748 | -42.5% |
| North Dakota | $1,442 | -$320 | -18.2% |
| Ohio | $1,216 | -$546 | -31.0% |
| Oklahoma | $1,808 | $46 | 2.6% |
| Oregon | $1,614 | -$148 | -8.4% |
| Pennsylvania | $1,680 | -$82 | -4.7% |
| Rhode Island | $2,350 | $588 | 33.4% |
| South Carolina | $1,596 | -$166 | -9.4% |
| South Dakota | $1,484 | -$278 | -15.8% |
| Tennessee | $1,542 | -$220 | -12.5% |
| Texas | $2,122 | $360 | 20.4% |
| Utah | $1,304 | -$458 | -26.0% |
| Vermont | $1,204 | -$558 | -31.7% |
| Virginia | $1,054 | -$708 | -40.2% |
| Washington | $1,360 | -$402 | -22.8% |
| West Virginia | $1,614 | -$148 | -8.4% |
| Wisconsin | $1,218 | -$544 | -30.9% |
| Wyoming | $1,570 | -$192 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $700 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-150 Lightning | $372 | $720 | $488 | $1,780 |
| 2023 Ford F-150 Lightning | $356 | $714 | $498 | $1,768 |
| 2022 Ford F-150 Lightning | $344 | $698 | $520 | $1,762 |
| 2021 Ford F-150 Lightning | $332 | $668 | $536 | $1,736 |
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 Find Cheap Ford F-150 Lightning Insurance
Finding better rates on car insurance takes being a safe and courteous driver, having a positive credit history, being claim-free, and consideration of higher deductibles. Compare rates every couple of years by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
Below is a brief summary of the material that was covered in the charts and tables above.
- Policyholders who may need higher levels of liability will pay approximately $570 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
- Teenage drivers are the costliest to insure, possibly costing $553 per month if full coverage is purchased
- Higher risk drivers that tend to have accidents or serious violations may pay on average $2,070 more every year for auto insurance
- Increasing policy deductibles can save approximately $700 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,638 |
| 20 | $4,102 |
| 30 | $1,834 |
| 40 | $1,762 |
| 50 | $1,608 |
| 60 | $1,578 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,224 |
| $250 | $2,008 |
| $500 | $1,762 |
| $1,000 | $1,526 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,762 |
| 50/100 | $1,866 |
| 100/300 | $1,996 |
| 250/500 | $2,334 |
| 100 CSL | $1,918 |
| 300 CSL | $2,204 |
| 500 CSL | $2,412 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,480 |
| 20 | $6,532 |
| 30 | $3,914 |
| 40 | $3,832 |
| 50 | $3,662 |
| 60 | $3,626 |
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 | $94 |
| Multi-vehicle | $94 |
| Homeowner | $26 |
| 5-yr Accident Free | $132 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $82 |
| Advance Quote | $89 |
| Online Quote | $125 |
| Total Discounts | $757 |
Discounts are estimated and may not be available from every company or in every state.
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