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 including full coverage. Comprehensive costs approximately $344 each year, collision insurance costs $698, and liability insurance is estimated at $520. A liability-only policy costs approximately $592 a year, and high-risk insurance costs around $3,832. Teen drivers pay the most at up to $6,638 a year.

Average premium for full coverage: $1,762

Premium estimates by type of coverage:

Comprehensive $344
Collision $698
Liability $520

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and F-150 Lightning models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Ford F-150 Lightning range from the low end price of $592 for minimum levels of liability insurance to a high rate of $3,832 for a driver that may need high-risk insurance.

Liability Only $592
Full Coverage $1,762
High Risk $3,832

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $1,322
Small Cities $1,850
Large Cities $2,379

These rate differences highlight why all drivers should get quotes using their specific location, rather than relying on price averages.

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 Rate Details

The chart below breaks down average Ford F-150 Lightning insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $1,005
  • Choosing higher $1,000 deductibles can save $236 every year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,762
  • Choosing low deductibles for comp and collision coverage bumps up the cost to $2,224
  • High-risk insureds with multiple violations and an at-fault accident could pay around $3,832
  • An auto insurance policy that insures a teen driver can cost $6,638 each year

View Chart as Image

Ford F-150 Lightning insurance cost comparison chart
Column chart showing Ford F-150 Lightning insurance rates range from $1,005 to $6,638 for full coverage

Auto insurance prices for a Ford F-150 Lightning also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $2,100 to $2,900 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 133% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $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 rates. A good driver about age 40 could pay as low as $1,350 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,510 on average in Louisiana, New York, and Michigan.

Ford F-150 Lightning Insurance Rates by State
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%

View Chart as Image

Ford F-150 Lightning insurance rates by U.S. city

Choosing high deductibles can save as much as $700 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

Ford F-150 Lightning Insurance Rates by Model Year
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 Affordable Ford F-150 Lightning Insurance

Finding better rates on Ford F-150 Lightning insurance takes being safe and accident-free, maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Shop around once a year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

Below you'll find a brief review of the data that was touched on above.

  • You may be able to save around $210 per year just by quoting online in advance
  • Drivers who purchase more liability protection will pay about $570 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • Youthful drivers have the highest car insurance prices, with the cost nearing $553 per month if the policy includes full coverage
  • High-risk drivers with DUI or reckless driving convictions will likely pay on average $2,070 more per year than a low-risk driver

Rates by Driver Age

Ford F-150 Lightning Insurance 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

Ford F-150 Lightning Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,224
$250 $2,008
$500 $1,762
$1,000 $1,526

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Lightning Insurance Rates with Different Liability Limits
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

Ford F-150 Lightning Insurance 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.

SR-22 Surcharge $251

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
Rate after discounts $1,005

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

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