Ford F-150 Insurance Rates

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.

U.S. average auto insurance rates for a Ford F-150 are $1,298 annually for full coverage insurance. Comprehensive costs approximately $294 a year, collision costs $448, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing around $2,782. Teens pay the highest rates at $4,828 a year or more.

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: $1,298

Price estimates by individual coverage:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and F-150 trim levels.

Price Range from Low to High

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.

Geographic 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.

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below illustrates estimated Ford F-150 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $762
• Choosing higher $1,000 deductibles can save $1,130 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,298
• Selecting low $100 deductibles for comp and collision coverage will cost $1,622
• Unlucky drivers with serious driving violations could pay around $2,782 or more
• The price with full coverage for a teen driver can cost $4,828 each year

View Chart as Image

Insurance prices for a Ford F-150 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $500 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Ford F-150 insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,760 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, so the prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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.

How to Buy the Cheapest Ford F-150 Insurance

Getting lower rates on car insurance takes being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates every other policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a recap of the ideas that were covered in the above illustrations.

• Drivers age 16 to 20 are expensive to insure, as much as $402 a month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,480 more per year than a safer driver
• Increasing physical damage deductibles could save up to $500 each year
• It is possible to save around $150 per year simply by quoting early and online

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.

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.

• Chevrolet Silverado
• GMC Sierra
• Nissan Titan

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.