Are Ford F-150s expensive to insure?

Looking for affordable Ford F-150 car insurance? Secure cheap Ford F-150 car insurance rates right now by entering your ZIP code into our FREE quote comparison tool below. The average cost of car insurance for a new Ford F-150 is $110/mo or $1,322 annually. Newer Ford F-150s are more expensive to insure, therefore older models, like the 2016 F-150 insurance costs, will be lower. Your age, where you live, and your driving history also impact your overall F-150 car insurance premiums.

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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 University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's What You Need to Know

  • Full coverage car insurance for a Ford F-150 costs around $110 each month or $1,322 annually.
  • A liability-only policy for a Ford F-150 costs around $44 each month or $530 a year.
  • Ford F-150 car insurance costs around $197 less per year than the average vehicle.

Ford F-150 trucks are reliable, sturdy, and popular. But are Ford F-150s expensive to insure? Whether you’re looking for the new 2020 or classic 2016 F-150 insurance costs, the rates for Ford F-150 car insurance average around $110 per month or $1,322 annually.

How much are pickup truck car insurance rates compared to other vehicles? Trucks like the F-150 tend to be similar in price to insure than other cars on the market. Read our guide to educate yourself more on Ford F-150 insurance factors, rates, and more. 

Ready to buy Ford F-150 car insurance? Compare cheap Ford F-150 car insurance quotes by entering your ZIP code into our FREE tool above.

What are the average Ford F-150 car insurance rates?

Getting quotes on car insurance can be easy, especially when it comes to the Ford F-150. It is a very common vehicle, and one of the most popular vehicles of all time.

The average cost to insure a Ford F-150 is $110 per month and $1,322 annually. However, a few variables might impact what you pay.

Insurance companies factor in more than just car models when calculating rates. Companies will also consider personal information about you, the driver.

Your gender, age, credit history, driving record, and even your ZIP code can impact what you pay for car insurance. You should expect rates between $1,322 to $3,210.

In the graph below, see how different factors can impact your overall Ford F-150 car insurance rates.

The age of your Ford F-150 will also affect what you pay for insurance.

The 2007 Ford F-150 insurance costs will be quite different than the 2018 Ford F-150 insurance rates, or even the 2019 Ford F-150 insurance rates. Premiums for older versions of the same make and model change over time.

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

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Are Ford F-150s expensive to insure?

The Ford F-150 costs about $197 less per year to insure than the average vehicle. Compared to other trucks, the average F-150 truck insurance costs are relatively low.

The table below compares Ford F-150 insurance rates to other trucks from various manufacturers. Check it out.

Ford F-150 Average Annual Car Insurance Rates Compared to Other Truck Models
Vehicle Make and ModelAverage Annual Comprehensive RatesAverage Annual Collision RatesAverage Annual Liability RatesAverage Annual Rates
Ford Ranger$254$470$372$1,254
Toyota Tundra$320$512$440$1,452
Ford F-150$322$470$372$1,322
Chevrolet Silverado$322$562$420$1,484
GMC Sierra 2500HD$336$656$420$1,592
GMC Sierra 3500HD$376$656$420$1,632
Chevrolet Silverado 3500HD$404$656$420$1,660
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The only truck with lower average rates than the F-150 is the Ford Ranger.

Regardless of what model year your F-150 is, your rates will still be competitive compared to other trucks in the same car class.

For example, the average cost of 2016 F-150 insurance is going to be more affordable than most other brands from that same year.

What impacts the cost of Ford F-150 car insurance?

Ford F-150s have high ratings in many different categories. They are built to handle bigger loads and bigger families in the event that you purchase an extended or crew cab. Ford trucks are some of the most durable and hard-working trucks on the market today.

Whether you’re looking for a 2013 Ford F-150 car insurance cost or 2017 F-150 insurance rates, you’re going to be getting better-than-average car insurance premiums. This is partly because the F-150 gets high grades on 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 one negative factor that plays into F-150 insurance costs is its number-four ranking on the 10-most-stolen-cars list. Some models have locks that are easy to pick, a feature that experienced thieves can take advantage of.

Only comprehensive coverage protects you from auto theft. If you drive an older F-150 model, expect your comprehensive coverage to be higher than average.

However, the F-150’s high safety ratings will ensure lower rates for bodily injury coverage. These two factors balance each other out, leading to more affordable car insurance premiums.

Does the age of the Ford F-150 impact car insurance rates?

Older Ford F-150 models generally cost less to insure than newer models. For example, car insurance for the 2020 Ford F-150 is more expensive than the 2016 Ford F-150 insurance cost.

The following table explores these differences in more detail.

Ford F-150 Average Annual Car Insurance Rates by Model Year
F-150 Model YearAverage Annual Comprehensive RatesAverage Annual Collision RatesAverage Annual Liability RatesAverage Annual Rates
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
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Insurance companies base their rates on risk, and new car models are always riskier to insure.

One reason why your 2015 Ford F-150 insurance rates are less than the 2016 F-150 insurance costs is therefore due to the older models being cheaper to fix or replace in the event that they are damaged or stolen.

Older cars have less technological advancements and are stolen less often than newer vehicles.

Does driver age impact your Ford F-150 car insurance rates?

Your age can have a significant effect on car insurance rates. For example, a thirty-year-old driver pays around $58 more each year for their Ford F-150 car insurance than a forty-year-old driver.

The graph below goes into more detail about how your drive age impacts car insurance rates.

As you can see, the 2016 F-150 insurance cost for a seventeen-year-old is much higher than what 20-year-olds pay. Once you turn 30, your premiums get even lower. But why is this?

Older drivers have more driving experience, which proves to insurance companies that they’re less likely to cause a major car accident.

Statistically, teen drivers also make more reckless choices on the roads than their older counterparts.

Therefore, older drivers receive lower average car insurance rates compared to teens and drivers under the age of 25.

Does driver location impact Ford F-150 car insurance rates?

Besides your age, the city and state you live in also impact your car insurance rates. Cities with higher crime rates and lots of traffic congestion tend to have higher average car insurance premiums.

Take a look at the graph below to compare Ford F-150 insurance rates in different major American cities.

As you can see, big cities like Los Angeles and New York have much higher average rates than smaller cities like Columbus, OH. Therefore, how much a 2010 Ford F-150 costs to insure will vary greatly depending on where you live.

The cheapest car insurance for F-150s will likely be in rural, smaller towns and in states with low crime rates.

Traffic congestion also increases your rates, as it increases your chances of getting into an accident. If your city has little bumper-to-bumper traffic, expect to save on insurance.

Does my driving record affect my Ford F-150 car insurance rates?

If you have a clean driving record, you can expect to save money on car insurance. A single traffic violation, such as speeding, can increase your annual premiums by upward of $100.

The following graph further details how your driving record can impact your Ford F-150 car insurance rates.

If you have speeding violations and multiple at-fault accidents on your record, expect your rates to double. Due to inexperience, younger drivers get hit especially hard if they commit a traffic violation.

If you want to keep your 2018 F-150 insurance costs low, drive as safely as possible. You may even qualify for safe driver discounts.

If you only have one minor violation on your record, ask your provider about an accident forgiveness program. Some companies may take a single mark off your record and provide you with lower rates.

What are the Ford F-150 safety ratings?

Your car insurance rates are often tied to the safety ratings of the vehicle you drive. If you drive an F-150, you’re in luck. The F-150 receives great ratings from the Insurance Institute for Highway Safety (IIHS).

Take a look at the 2020 Ford F-150 safety ratings from the IIHS in the table below.

2020 Ford F-150 Safety Ratings
Safety Test Performed2020 Ford F-150 Rating
Small overlap front (driver-side)Good
Small overlap front (passenger-side)Good
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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As you can see, the F-150 received a rating of ‘Good’ for every test, the highest possible score given by the IIHS.

Is Ford’s safety rating for large trucks superior to Chevy’s or other truck brands? Yes, most of Ford’s safety ratings for large trucks, including the F-150, are superior to Chevys and other leading truck models.

Not only will an F-150 help lower your car insurance rates, but it also means you and your family will be safer.

What are the Ford F-150 crash test ratings?

Like safety ratings, your vehicle’s crash test ratings will also affect what you pay for car insurance.

The following table displays the Ford F-150’s crash test ratings based on the National Highway Traffic Safety Administration (NHTSA).

Ford F-150 Crash Test Ratings by Model Year
F-150 Model TestedOverall Safety RatingFrontal Safety RatingSide Safety RatingRollover Safety Rating
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 4WD4 stars4 stars4 stars4 stars
2020 Ford F-150 Supercab Diesel PU/EC 2WD4 stars4 stars4 stars4 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 4WD4 stars4 stars4 stars4 stars
2020 Ford F-150 Super Crew Diesel PU/CC 2WD4 stars4 stars4 stars4 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 4x44 stars4 stars5 stars4 stars
2019 Ford F-150 Supercab PU/EC 4x24 stars4 stars5 stars4 stars
2019 Ford F-150 Supercab Diesel PU/EC 4x44 stars4 stars4 stars4 stars
2019 Ford F-150 Supercab Diesel PU/EC 4x24 stars4 stars4 stars4 stars
2019 Ford F-150 Super Crew PU/CC 4x45 stars5 stars5 stars4 stars
2019 Ford F-150 Super Crew PU/CC 4x25 stars5 stars5 stars4 stars
2019 Ford F-150 Super Crew Diesel PU/CC 4x44 stars4 stars4 stars4 stars
2019 Ford F-150 Super Crew Diesel PU/CC 4x24 stars4 stars4 stars4 stars
2019 Ford F-150 Regular Cab PU/RC 4x44 stars4 stars5 stars4 stars
2019 Ford F-150 Regular Cab PU/RC 4x24 stars4 stars5 stars4 stars
2018 Ford F-150 Supercab PU/EC 4x44 stars4 stars5 stars4 stars
2018 Ford F-150 Supercab PU/EC 4x24 stars4 stars5 stars4 stars
2018 Ford F-150 Super Crew PU/CC 4x45 stars5 stars5 stars4 stars
2018 Ford F-150 Super Crew PU/CC 4x25 stars5 stars5 stars4 stars
2018 Ford F-150 Regular Cab PU/RC 4x44 stars4 stars5 stars4 stars
2018 Ford F-150 Regular Cab PU/RC 4x24 stars4 stars5 stars4 stars
2017 Ford F-150 Supercab PU/EC 4x45 stars5 stars5 stars4 stars
2017 Ford F-150 Supercab PU/EC 4x25 stars5 stars5 stars4 stars
2017 Ford F-150 Regular Cab PU/RC 4x45 stars5 stars5 stars4 stars
2017 Ford F-150 Regular Cab PU/RC 4x25 stars5 stars5 stars4 stars
2017 Ford F-150 Crew Cab PU/CC 4x45 stars5 stars5 stars4 stars
2017 Ford F-150 Crew Cab PU/CC 4x25 stars5 stars5 stars4 stars
2016 Ford F-150 Supercab PU/EC 4x45 stars5 stars5 stars4 stars
2016 Ford F-150 Supercab PU/EC 4x25 stars5 stars5 stars4 stars
2016 Ford F-150 Super Crew PU/CC 4x45 stars5 stars5 stars4 stars
2016 Ford F-150 Super Crew PU/CC 4x25 stars5 stars5 stars4 stars
2016 Ford F-150 Regular Cab PU/RC 4x45 stars5 stars5 stars4 stars
2016 Ford F-150 Regular Cab PU/RC 4x25 stars5 stars5 stars4 stars
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A 5-star rating is the highest possible score given by the NHTSA. No wonder Ford F-150 quotes are so low; almost every model has outstanding crash test ratings.

Is Ford’s safety rating for large trucks superior to GMCs and other top manufacturers? Yes, this brand offers some of the safest pickup trucks on the market in terms of both safety and crash testing.

Ford’s motto, “built tough,” is proven to be true by these results. As such, you can expect your car insurance to be more affordable if you purchase an F-150.

What are the Ford F-150 safety features?

Choosing a vehicle with effective safety features is another surefire way to save on car insurance. Fortunately, the F-150 comes with many advanced safety features to protect you and your family.

The F-150 comes equipped with a driver’s side airbag, passenger-side airbag, front head airbags, and front side airbags. Should you be involved in an accident, these will protect you and your passenger.

The F-150 also features a four-wheel antilock brake system, four-wheel disc brakes, and brake assist technology. For safer steering, the F-150 has electronic stability control and traction control to ensure safer driving on all surfaces.

These trucks also feature daytime running lights and integrated turn signals in the mirrors to benefit other drivers around you.

With so many safety features, it’s worthwhile to ask your provider about what car insurance discounts your Ford F-150 might qualify for.

Some companies will take a small percentage off of your annual rates based on different anti-theft devices and safety technology installed in your vehicle.

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What are the top Ford F-150 car insurance companies?

The best Ford F-150 car insurance companies will offer competitive rates, multiple discounts, and account for the F-150’s plentiful safety features.

By purchasing car insurance from a provider that holds a substantial percentage of the market share, there’s a better chance that the company is financially stable and reliable.

Take a look at the following table, which outlines the companies that hold the highest market share based on findings by the Insurance Information Institute (III).

Ford F-150 Car Insurance Companies by Market Share
RankCompaniesVolumeMarket Share
1State Farm$65,615,1909.30%
2GEICO$46,106,9716.60%
3Progressive$39,222,8795.60%
4Liberty Mutual$35,600,0515.10%
5Allstate$35,025,9035.00%
6Travelers$28,016,9664.00%
7USAA$23,483,0803.30%
8Chubb$23,388,3853.30%
9Farmers$20,643,5592.90%
10Nationwide$18,442,1452.60%
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State Farm, GEICO, and Progressive are the three biggest contenders. The following graph provides more details about the companies that hold the most market share in the car insurance industry.

Nationwide and Farmers hold less of the market share, but that doesn’t mean they can’t provide you with affordable rates and reliable service.

The only way to know for sure which company is best for you and your F-150 is by comparing quotes.

Frequently Asked Questions: Are Ford F-150s expensive to insure?

You are now an expert on securing affordable Ford F-150 car insurance rates. You better understand what goes into calculating your F-150 premiums.

Did you think of something we missed? Check out our frequently asked questions below.

#1 – How much would car insurance cost for a 2014 Ford F-150?

Car insurance coverage for a 2014 Ford F-150 will be about $1,234 annually.

#2 – How much is insurance on a Ford Raptor?

For a 2019 Ford Raptor, insurance costs around $1,410 annually.

#3 – How much will a 2010 Ford F-150 cost on insurance?

Around $1,100 annually is how much an F-150 from 2010 will cost for car insurance.

#4 – How much does it cost to make a Ford F-150?

It costs around $27,000 for manufacturers to make a Ford F-150.

#5 – How much does a new Ford truck cost?

For a consumer wondering how much an F-150 costs to own, a new Ford F-150 average price is around $30,000. However, prices increase if you customize the truck.

Looking for affordable Ford F-150 car insurance? Secure cheap Ford F-150 car insurance rates right now by entering your ZIP code into our FREE quote comparison tool below.

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