Ford F-150 Insurance Rates
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UPDATED: Jun 2, 2023
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If you are curious to know more about Ford F-150 insurance rates, you should know that drivers pay an average of $1,322 for full coverage, which amounts to a $110 monthly bill.
Another thing you might have asked yourself is, “How much is insurance on a Ford Raptor?” if you drive the top-end F-150 model. In order to guide you on your search for a Ford F-150 or Ford Raptor insurance policy, we’ve prepared this comprehensive article.
This guide will educate you on the differences between things such as 2019 F-150 car insurance cost, 2012 Ford F-150 car insurance costs, and 2019 Ford Raptor insurance costs.
Once you’re ready to find cheap car insurance by comparing great car insurance rates, enter your five-digit ZIP code into our free quote tool to start comparing Ford F-150 car insurance rates from top Ford F-150 car insurance companies.
The average insurance rates for a Ford F-150 are $866 a year including full coverage. Comprehensive insurance costs an estimated $132 each year, collision insurance costs $134, and liability insurance costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $1,852 or more. 16-year-old drivers cost the most to insure at up to $3,568 a year.
As you can see by the huge price difference (over $4,000 difference between liability-only and a teen driver with full coverage), the rate you will actually pay will most likely fall somewhere in the middle.
Car insurance coverage is generally divided into two categories, liability and physical damage coverage, with physical damage insurance consisting of comprehensive and collision. Liability insurance protects your assets if you are determined to be legally liable for damages, whereas physical damage coverage pays to fix any damage to your F-150 caused by collision, hail, fire, flood, etc.
Let’s now break down those coverages and see how they actually contribute to the cost of insurance on a Ford F-150.
Average premium for full coverage: $866
Policy rates broken down by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and F-150 models.
Price Range Variability
As you should have noticed by now, the price of insurance can vary considerably. The illustration below gives a visual representation of the lowest and highest price scenarios, excluding the sky-high price for insuring a teen driver.
For the average 40-year-old driver, Ford F-150 insurance rates range from the low end price of $496 for basic liability insurance to a high rate of $1,852 for high-risk insurance.
Urban vs. Rural Price Range
Insurance companies factor in geographic location for a number of reasons including crime rates and weather. Areas prone to higher incidents of vehicle theft or hail storms will have rates adjusted upwards to account for higher claim frequency.
Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.
The examples above highlight why all drivers should compare prices for a targeted area, rather than relying on rate 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.
The chart below breaks down average Ford F-150 insurance rates for other coverage scenarios.
- The best full coverage rate is $541
- Using higher $1,000 deductibles will save approximately $60 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $866
- Buying low deductibles for physical damage coverage will cost an additional $116 a year
- Drivers with multiple tickets or accidents could pay up to $1,852
- Policy cost that insures a teen driver can cost as much as $3,568 or more
Insurance rates for a Ford F-150 also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $3,500 a year. View Rates by Age
Your home state has a huge impact on Ford F-150 insurance rates. A driver around age 40 might see rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,240 on average in Louisiana, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles could cut rates by as much as $180 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Rates assume 2002 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Ford F-150||$284||$436||$416||$1,294|
|2018 Ford F-150||$260||$404||$442||$1,264|
|2017 Ford F-150||$250||$374||$452||$1,234|
|2016 Ford F-150||$240||$352||$456||$1,206|
|2015 Ford F-150||$230||$316||$460||$1,164|
|2014 Ford F-150||$214||$292||$460||$1,124|
|2013 Ford F-150||$206||$272||$464||$1,100|
|2011 Ford F-150||$186||$236||$474||$1,054|
|2008 Ford F-150||$160||$178||$474||$970|
|2007 Ford F-150||$154||$160||$468||$940|
|2006 Ford F-150||$152||$156||$460||$926|
|2005 Ford F-150||$150||$150||$452||$910|
|2004 Ford F-150||$138||$142||$446||$884|
|2003 Ford F-150||$132||$134||$442||$866|
Rates are averaged for all Ford F-150 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 Insurance
Finding cheaper rates on Ford F-150 insurance requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop every couple of years by requesting rates from direct car insurance companies, and also from your local car insurance providers.
The following items are a quick review of the material that was touched on in this article.
- Drivers who want additional liability coverage will pay around $490 per year to increase from a 30/60 limit to the 250/500 level
- 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $297 each month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation could be charged and average of $990 more annually than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save approximately $175 each year
Now that’s a lot of information to absorb from one article. The key takeaways we want you to learn are that auto insurance costs are constantly changing. The cost to insure a Ford F-150 today will be different that the cost in six or 12 months.
Insurance companies adjust rates frequently as their underwriting goals and profitability outlook changes. A downturn in the investment markets can result in an uptick in car insurance rates as insurance companies try to maintain profitability and appease their shareholders.
If it feels like you’re cutting checks at the whim of a big corporation, you’re right, but you do actually have considerable control over how much you pay for auto insurance. Personal risk factors play the largest part in determining the cost to insure a Ford truck, so take the following things into consideration the next time you hit the highway.
- Avoiding tickets and at-fault accidents are the best way to keep rates down.
- Keep an eye on your credit score and take proactive steps to ensure it remains at a high level. 720 and above is generally considered good, with anything over 800 being excellent.
- Shop around because there are many, many options for auto insurance and you are not obligated to remain with the same company.
- The younger you are, the more expensive it will be to buy car insurance. You can raise your deductibles to lower the cost, but just make sure you have enough savings to cover the extra out-of-pocket expense you may incur if you have a physical damage claim.
- Check with your agent or company to make sure you’re getting every discount you’re entitled to. Some discounts, like being a member of a professional organization, are not always clearly stated so make sure your agent or company reviews every possible discount available.
Finding the best insurance for your Ford F-150 is a balance of cost and company reliability. If you just want the cheapest insurance, it’s an easy comparison on price alone. But if you want a company that has a good price along with a stellar reputation, then you will need to do a little more work.
Online reviews are a great place to start to narrow down your options, and also talk to friends and family about their experiences with their insurance company. You can quickly create a small list of candidates to obtain price quotes from and you’ll be well on your way to finding the best insurance for America’s best-selling truck, the Ford F-150!
As you can see from the information we’ve gone over to this point, there are several moving parts that ultimately determine Ford F-150 costs. Take advantage of our free online quote tool below to start comparing Ford F-150 rates from several companies.
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What are the safety ratings of the Ford F-150?
When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your Ford F-150. Based on that, you can have an idea of potential future the Ford F-150 maintenance cost.
Take a look at the following safety ratings of the Ford F-150 as determined by the Insurance Institute for Highway Safety (IIHS).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
As you can see from these crash test results, the Ford F-150 received the highest mark possible in all six categories.
Ford F-150 Compared Against Other Vehicles in the Same Class
The Insurance Institute for Highway Safety classifies the Ford F-150 as a large pickup truck.
If you are curious to know how the Ford F-150 stacks up to other similar models, take a look at the following three models. Each page provides information on the insurance rates for each comparable pickup so you can cross-reference them with the Ford F-150.
Now that we have gone into great detail about Ford F-150 insurance costs, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Ford F-150 car insurance quotes from top auto insurance companies today.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$48|
|5-yr Claim Free||$53|
|Paid in Full/EFT||$28|
Discounts are estimated and may not be available from every company or in every state.