Ford F-150 Lightning Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Ford F-150 Lightning are $1,736 a year including full coverage. Comprehensive insurance costs an estimated $332, collision costs $668, and liability coverage costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage 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 broken down by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different F-150 Lightning trim levels.
Price Range Variability
For the average 40-year-old driver, Ford F-150 Lightning insurance rates go from as low as $606 for just liability coverage to a much higher rate of $3,782 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on insurance prices.
The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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.
Detailed Rate Analysis
The chart below breaks down estimated Ford F-150 Lightning insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $994
- Using higher $1,000 deductibles will save approximately $226 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,736
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $446 each year
- Higher-risk drivers with serious driving violations could pay up to $3,782 or more
- Policy cost for full coverage for a teenage driver with full coverage can cost as much as $6,586 or more
Insurance rates for a Ford F-150 Lightning also range considerably based on your risk profile, the model of your F-150 Lightning, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $6,500 a year. View Rates by Age
Your home state has a huge impact on Ford F-150 Lightning insurance rates. A driver around age 40 might see rates as low as $1,330 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,470 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $680 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $2,100 to $2,900 additional every year, depending on your age. High-risk driver insurance can be around 44% to 135% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company calculates rates differently, and rates will be varied from one company to the next.
| 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 Find the Best Cheap Ford F-150 Lightning Insurance
Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a quick review of the ideas that were touched on in this article.
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $549 each month including comprehensive and collision insurance
- Drivers with a DUI or reckless driving violation may pay on average $2,050 more annually than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $675 each year
- You may be able to save approximately $210 per year simply by shopping early and online
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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