Are Ford F-150s Expensive to Insure? [Everything You Need to Know]

If you want to buy affordable Ford F-150 insurance coverage then you should know that a policy will cost $110 per month ($1,322 per year) on average. On average, Ford F-150 comprehensive insurance coverage costs $322, collision coverage costs $470, and liability coverage costs $373.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jul 6, 2020

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Key Takeaways:

  • Full coverage costs around $1,322 a year or $110 each month
  • A liability-only policy costs around $530 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,832 a year or $403 each month
  • Good drivers can save as much as $545 a year by earning policy discounts
  • Ford F-150 insurance costs around $197 less per year than the average vehicle

Ford F-150 car insurance rates cost drivers an average of $1,322 a year, which comes down to right around $110 per month. Some of the factors that determine Ford F-150 rates include the age of both the driver and vehicle, as well as the model’s safety features.

We have prepared this in-depth article so you can educate yourself more on Ford F-150 insurance rates. By the time you’ve read through it, you will be able to compare policies like an expert.

You can start comparing quotes for Ford F-150 car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford F-150 Insurance Cost

The average Ford F-150 car insurance rates are $1,322 a year or $110 a month.

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Are Ford F-150s Expensive to Insure?

The chart below details how Ford F-150 insurance rates compare to other trucks like the GMC Sierra 3500HD, Ford Ranger, and Chevrolet Silverado 3500HD.

VehicleComprehensiveCollisionLiabilityTotal
Ford F-150$322$470$372$1,322
GMC Sierra 3500HD$376$656$420$1,632
Ford Ranger$254$470$372$1,254
Chevrolet Silverado 3500HD$404$656$420$1,660
GMC Sierra 2500HD$336$656$420$1,592
Chevrolet Silverado$322$562$420$1,484
Toyota Tundra$320$512$440$1,452

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford F-150 Insurance?

The Ford F-150 trim and model you choose will affect the total price you will pay for Ford F-150 insurance coverage.

Age of the Vehicle

Older Ford F-150 models generally cost less to insure. For example, car insurance for a 2020 Ford F-150 costs $1,322, while 2010 Ford F-150 insurance costs are $1,100, a difference of $222.

Model YearComprehensiveCollisionLiabilityTotal
2020 Ford F-150$322$470$372$1,322
2019 Ford F-150$306$452$390$1,306
2018 Ford F-150$294$448$398$1,298
2017 Ford F-150$284$436$416$1,294
2016 Ford F-150$274$418$430$1,280
2015 Ford F-150$260$404$442$1,264
2014 Ford F-150$250$374$452$1,234
2013 Ford F-150$240$352$456$1,206
2012 Ford F-150$230$316$460$1,164
2011 Ford F-150$214$292$460$1,124
2010 Ford F-150$206$272$464$1,100

Driver Age

Driver age can have a significant effect on Ford F-150 car insurance rates. As an example, a 30-year-old driver pays around $58 more each year for their Ford F-150 car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Ford F-150 insurance rates. For example, drivers in Jacksonville may pay $793 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Ford F-150 car insurance. Teens and drivers in their 20’s see the highest jump in their Ford F-150 car insurance with violations on their driving record.

Ford F-150 Safety Ratings

Your Ford F-150 car insurance rates are tied to the safety ratings of the Ford F-150. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Ford F-150 Crash Test Ratings

Not only do good Ford F-150 crash test ratings mean you are better protected in a crash, but good Ford F-150 crash ratings also mean cheaper insurance rates.

Vehicle TestedOverallFrontalSideRollover
2020 Ford F-150 Supercab PU/EC 4WD4 stars4 stars5 stars4 stars
2020 Ford F-150 Supercab PU/EC 2WD4 stars4 stars5 stars4 stars
2020 Ford F-150 Supercab Diesel PU/EC 4WDN/RN/RN/R4 stars
2020 Ford F-150 Supercab Diesel PU/EC 2WDN/RN/RN/R4 stars
2020 Ford F-150 Super Crew PU/CC 4WD5 stars5 stars5 stars4 stars
2020 Ford F-150 Super Crew PU/CC 2WD5 stars5 stars5 stars4 stars
2020 Ford F-150 Super Crew Diesel PU/CC 4WDN/RN/RN/R4 stars
2020 Ford F-150 Super Crew Diesel PU/CC 2WDN/RN/RN/R4 stars
2020 Ford F-150 Regular Cab PU/RC 4WD4 stars4 stars5 stars4 stars
2020 Ford F-150 Regular Cab PU/RC 2WD4 stars4 stars5 stars4 stars
2019 Ford F-150 Supercab PU/EC 4×44 stars4 stars5 stars4 stars
2019 Ford F-150 Supercab PU/EC 4×24 stars4 stars5 stars4 stars
2019 Ford F-150 Supercab Diesel PU/EC 4×4N/RN/RN/R4 stars
2019 Ford F-150 Supercab Diesel PU/EC 4×2N/RN/RN/R4 stars
2019 Ford F-150 Super Crew PU/CC 4×45 stars5 stars5 stars4 stars
2019 Ford F-150 Super Crew PU/CC 4×25 stars5 stars5 stars4 stars
2019 Ford F-150 Super Crew Diesel PU/CC 4×4N/RN/RN/R4 stars
2019 Ford F-150 Super Crew Diesel PU/CC 4×2N/RN/RN/R4 stars
2019 Ford F-150 Regular Cab PU/RC 4×44 stars4 stars5 stars4 stars
2019 Ford F-150 Regular Cab PU/RC 4×24 stars4 stars5 stars4 stars
2018 Ford F-150 Supercab PU/EC 4×44 stars4 stars5 stars4 stars
2018 Ford F-150 Supercab PU/EC 4×24 stars4 stars5 stars4 stars
2018 Ford F-150 Super Crew PU/CC 4×45 stars5 stars5 stars4 stars
2018 Ford F-150 Super Crew PU/CC 4×25 stars5 stars5 stars4 stars
2018 Ford F-150 Regular Cab PU/RC 4×44 stars4 stars5 stars4 stars
2018 Ford F-150 Regular Cab PU/RC 4×24 stars4 stars5 stars4 stars
2017 Ford F-150 Supercab PU/EC 4×45 stars5 stars5 stars4 stars
2017 Ford F-150 Supercab PU/EC 4×25 stars5 stars5 stars4 stars
2017 Ford F-150 Regular Cab PU/RC 4×45 stars5 stars5 stars4 stars
2017 Ford F-150 Regular Cab PU/RC 4×25 stars5 stars5 stars4 stars
2017 Ford F-150 Crew Cab PU/CC 4×45 stars5 stars5 stars4 stars
2017 Ford F-150 Crew Cab PU/CC 4×25 stars5 stars5 stars4 stars
2016 Ford F-150 Supercab PU/EC 4×45 stars5 stars5 stars4 stars
2016 Ford F-150 Supercab PU/EC 4×25 stars5 stars5 stars4 stars
2016 Ford F-150 Super Crew PU/CC 4×45 stars5 stars5 stars4 stars
2016 Ford F-150 Super Crew PU/CC 4×25 stars5 stars5 stars4 stars
2016 Ford F-150 Regular Cab PU/RC 4×45 stars5 stars5 stars4 stars
2016 Ford F-150 Regular Cab PU/RC 4×25 stars5 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford F-150 Safety Features

The more safety features you have on your Ford F-150, the more likely it is that you can earn a discount. The Ford F-150’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Integrated Turn Signal Mirrors
  • Traction Control

Ford F-150 Insurance Loss Probability

Insurance loss probability on the Ford F-150 fluctuates between each type of coverage. The lower percentage means lower Ford F-150 car insurance rates; higher percentages mean higher Ford F-150 auto insurance rates.

Insurance Coverage CategoryLoss Rate
Collision-33%
Property Damageno data
Comprehensive10%
Personal Injury-61%
Medical Paymentno data
Bodily Injuryno data
Source: Insurance Institute for Highway Safety

Ford F-150 Finance and Insurance Cost

If you are financing a Ford F-150, most lenders will require your carry higher Ford F-150 coverage options including comprehensive coverage, so be sure to shop around and compare Ford F-150 auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford F-150 Insurance

Save more on your Ford F-150 car insurance rates. Take a look at the following five strategies that will get you the best Ford F-150 auto insurance rates possible.

  • Ask Your Insurance Company About Ford F-150 Discounts
  • Move to an Area with Better Weather
  • Provide Your Ford F-150 VIN When Requesting Ford F-150 Auto Insurance Quotes
  • Don’t Assume your Ford F-150 is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Ask About Ford F-150 Discounts If You Were Listed on Someone Else’s Policy

Top Ford F-150 Insurance Companies

The best auto insurance companies for Ford F-150 car insurance rates will offer competitive rates, discounts, and account for the Ford F-150’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Ford F-150 Insurance Quotes Online

Start comparing Ford F-150 auto insurance quotes for free by using our FREE online comparison tool.
How much does car insurance cost for the Ford F-150 pickup truck? Read on to learn all about some of the various safety features and other factors that contribute to the pricing of the F-150’s insurance costs.

Car insurance is on the mind of many people all over the world. If you are thinking about purchasing a new or used vehicle, it may be in your best interest for your to research your options ahead of time to find out how much the insurance is going to be running you.

Getting quotes on auto insurance is very easy, especially when it comes to the Ford F-150 because it is a very common vehicle. Be sure to enter your ZIP code above to compare free online Ford F-150 car insurance quotes!

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Factors Affecting Ford F-150 Car Insurance Rates

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Ford F-150s are rated high in many different categories. They are great trucks that are made for bigger loads as well as bigger families should you purchase an extended or crew cab. Ford trucks are some of the most durable and hard working trucks that you will ever find.

When it comes to auto insurance for a Ford F-150, you are going to be getting a better-than-average rate for auto insurance premiums. That is due to the fact that the pickup performs very well when it comes to safety standards and safety tests.

Ford F-150s have the fewest amounts of personal injury claims as well as medical payment claims of any truck in its class.

The only not so great thing about insurance for an F-150 is that it ranks number 4 on the most stolen cars list so comprehensive coverage tends to be just a little higher.

Even though your F-150 is an eye catcher for many thieves, your passengers are going to be their safest and insurance will be its lowest for bodily injury.

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Average Ford F-150 Insurance Costs

The average Ford F-150 insurance premium runs the owner about $2,450 a year, which is relatively high insurance premium.

That does not mean that is what you will be paying for auto insurance for your F-150 pickup. You should expect rates between $1,935 up to $3,210.

Keep in mind that the average 2013 Ford F-150 insurance rates will most likely be quite different than the average 2016 Ford F-150 insurance rates because insurance rates can and do change over time.

There are also many other factors that can affect the cost of your Ford F-150 insurance. For example, maybe you are looking for F-150 Raptor insurance. The rates will be different than if you were looking for insurance for a traditional F-150 or an older model.

Comparing Ford F-150 Insurance Quotes

Of course, you are going to be able to save money by shopping around for the best car insurance deal. You may be able to find insurance for your F-150 by comparing a couple of different companies.

Just because the average price for insurance for the automobile is over $2,000 a year, does not mean that you cannot find it cheaper by comparing. You may also want to call up your auto insurance company and ask about discounts they offer.

Ford F-150 trucks are very safe and reliable automobiles, so you may be able to get a good discount for purchasing this kind of vehicle.

Remember to keep in mind that there are factors that can determine what you are going to be paying for auto insurance such as:

  • Your age
  • The age of the Ford
  • Where the Ford is driven
  • Where the Ford is parked at night
  • Your driving record
  • Your credit score

Be sure to take your time a call around to a couple of different car insurance companies so that you can get the cheapest car insurance, but the best policy to cover your Ford F-150.

Fords are rated one of the safest automobiles due to their size and the fact that they are one of the vehicles with the fewest problems that may cause an accident breakdown.

Enter your ZIP code to start comparing auto insurance quotes in the box at the bottom of the page.

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