Ford F-150 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Estimated insurance rates for a Ford F-150 are $866 a year with full coverage. Comprehensive insurance costs on average $132 a year, collision insurance costs $134, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $1,852 or more. Teens pay the most 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

Premium estimates by type of coverage:

Comprehensive $132
Collision $134
Liability $442

These estimates include $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and F-150 trim levels.

Insurance Price Range by Risk and Coverage

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 a 40-year-old driver, insurance rates for a Ford F-150 range from the low end price of $496 for just liability coverage to a high of $1,852 for a high-risk insurance policy.

Liability Only $496
Full Coverage $866
High Risk $1,852

Insurance Price Range by Location

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.

Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

Rural Areas $650
Small Cities $909
Large Cities $1,169

These rate differences demonstrate why it is important to get quotes based on a specific location, 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.

Detailed Rate Analysis

The chart below details average Ford F-150 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $541
  • Choosing higher $1,000 deductibles can save around $806 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $866
  • Selecting low $100 deductibles for comp and collision coverage will cost an additional $116 every year
  • Unlucky drivers with serious driving violations could pay upwards of $1,852
  • An auto insurance policy that insures a teen driver may cost $3,568 each year

View Chart as Image

Ford F-150 insurance cost comparison chart
Column chart showing Ford F-150 insurance prices range from $541 to $3,568 for full coverage

Insurance prices for a Ford F-150 also have a wide range based on the trim level of your F-150, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,000 to $1,500 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 128% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $3,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford F-150 insurance prices. A good driver about age 40 could pay as low as $630 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,170 on average in Florida, Michigan, and New York.

Ford F-150 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $786 -$80 -9.2%
Alaska $668 -$198 -22.9%
Arizona $722 -$144 -16.6%
Arkansas $866 -$0 0.0%
California $988 $122 14.1%
Colorado $828 -$38 -4.4%
Connecticut $892 $26 3.0%
Delaware $982 $116 13.4%
Florida $1,086 $220 25.4%
Georgia $800 -$66 -7.6%
Hawaii $622 -$244 -28.2%
Idaho $588 -$278 -32.1%
Illinois $646 -$220 -25.4%
Indiana $654 -$212 -24.5%
Iowa $584 -$282 -32.6%
Kansas $826 -$40 -4.6%
Kentucky $1,184 $318 36.7%
Louisiana $1,286 $420 48.5%
Maine $536 -$330 -38.1%
Maryland $718 -$148 -17.1%
Massachusetts $696 -$170 -19.6%
Michigan $1,508 $642 74.1%
Minnesota $724 -$142 -16.4%
Mississippi $1,040 $174 20.1%
Missouri $770 -$96 -11.1%
Montana $932 $66 7.6%
Nebraska $684 -$182 -21.0%
Nevada $1,040 $174 20.1%
New Hampshire $626 -$240 -27.7%
New Jersey $970 $104 12.0%
New Mexico $770 -$96 -11.1%
New York $916 $50 5.8%
North Carolina $500 -$366 -42.3%
North Dakota $710 -$156 -18.0%
Ohio $600 -$266 -30.7%
Oklahoma $892 $26 3.0%
Oregon $796 -$70 -8.1%
Pennsylvania $828 -$38 -4.4%
Rhode Island $1,158 $292 33.7%
South Carolina $786 -$80 -9.2%
South Dakota $734 -$132 -15.2%
Tennessee $762 -$104 -12.0%
Texas $1,046 $180 20.8%
Utah $644 -$222 -25.6%
Vermont $594 -$272 -31.4%
Virginia $520 -$346 -40.0%
Washington $672 -$194 -22.4%
West Virginia $796 -$70 -8.1%
Wisconsin $602 -$264 -30.5%
Wyoming $774 -$92 -10.6%

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $180 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost 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.

Ford F-150 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford F-150 $274 $418 $430 $1,280
2018 Ford F-150 $250 $374 $452 $1,234
2017 Ford F-150 $240 $352 $456 $1,206
2016 Ford F-150 $230 $316 $460 $1,164
2015 Ford F-150 $214 $292 $460 $1,124
2014 Ford F-150 $206 $272 $464 $1,100
2013 Ford F-150 $202 $254 $474 $1,088
2011 Ford F-150 $182 $214 $478 $1,032
2008 Ford F-150 $154 $160 $468 $940
2007 Ford F-150 $152 $156 $460 $926
2006 Ford F-150 $150 $150 $452 $910
2005 Ford F-150 $138 $142 $446 $884
2004 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 Cheap Ford F-150 Insurance

Finding better rates on car insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare rates at least every other year by getting price quotes from direct companies, and also from several local insurance agents.

The following is a brief summary of the car insurance concepts illustrated above.

  • Higher risk drivers that tend to have accidents or serious violations pay on average $990 more each year for F-150 insurance
  • You may be able to save as much as $90 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $175 each year
  • Policyholders who require higher liability limits will pay approximately $490 every year to raise limits from 30/60 bodily injury limits to the 250/500 level

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.

Rates by Driver Age

Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
16 $3,568
20 $1,970
30 $876
40 $866
50 $798
60 $780

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$100 $982
$250 $928
$500 $866
$1,000 $806

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $866
50/100 $1,012
100/300 $1,123
250/500 $1,410
100 CSL $1,057
300 CSL $1,300
500 CSL $1,477

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
16 $4,996
20 $3,136
30 $1,858
40 $1,852
50 $1,774
60 $1,754

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 $112

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $46
Homeowner $16
5-yr Accident Free $48
5-yr Claim Free $53
Paid in Full/EFT $28
Advance Quote $35
Online Quote $57
Total Discounts $325
Rate after discounts $541

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

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