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Ford F-150 Insurance Quotes [Rates + Cheap Coverage Guide]

Key takeaways:

  • Ford F-150 full coverage insurance 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 insurance rates are $197 cheaper than the average vehicle. Full coverage Ford F-150 insurance rates cost $110 per month. Continue reading to learn how you can save money on Ford F-150 insurance rates.

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

Table of Contents

Ford F-150 Insurance Cost

The average Ford F-150 auto insurance rates are $1,322 a year or $110 a month. If you shop around you can find cheap Ford F-150 insurance rates.

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, GMC Sierra 2500HD, and Toyota Tundra.

Vehicle Comprehensive Collision Liability Total
Ford F-150 $322 $470 $372 $1,322
GMC Sierra 3500HD $376 $656 $420 $1,632
GMC Sierra 2500HD $336 $656 $420 $1,592
Toyota Tundra $320 $512 $440 $1,452
Chevrolet Silverado $322 $562 $420 $1,484
Nissan Frontier $294 $500 $420 $1,394
GMC Canyon $270 $478 $398 $1,304
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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 can impact the total price you will pay for Ford F-150 auto 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 Year Comprehensive Collision Liability Total
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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Driver Age

Driver age can have a significant impact on the cost of Ford F-150 auto insurance. For example, 20-year-old drivers pay approximately $1,617 each year for their Ford F-150 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Ford F-150 insurance rates. For example, drivers in Phoenix may pay $727 a year less than drivers in Los Angeles.

Your Driving Record

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

Ford F-150 Safety Ratings

The Ford F-150’s safety ratings will affect your Ford F-150 auto insurance rates. See the chart below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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Ford F-150 Crash Test Ratings

The crash test ratings of the Ford F-150 can impact your Ford F-150 auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Ford F-150 Supercab PU/EC 4WD 4 stars 4 stars 5 stars 4 stars
2020 Ford F-150 Supercab PU/EC 2WD 4 stars 4 stars 5 stars 4 stars
2020 Ford F-150 Supercab Diesel PU/EC 4WD N/R N/R N/R 4 stars
2020 Ford F-150 Supercab Diesel PU/EC 2WD N/R N/R N/R 4 stars
2020 Ford F-150 Super Crew PU/CC 4WD 5 stars 5 stars 5 stars 4 stars
2020 Ford F-150 Super Crew PU/CC 2WD 5 stars 5 stars 5 stars 4 stars
2020 Ford F-150 Super Crew Diesel PU/CC 4WD N/R N/R N/R 4 stars
2020 Ford F-150 Super Crew Diesel PU/CC 2WD N/R N/R N/R 4 stars
2020 Ford F-150 Regular Cab PU/RC 4WD 4 stars 4 stars 5 stars 4 stars
2020 Ford F-150 Regular Cab PU/RC 2WD 4 stars 4 stars 5 stars 4 stars
2019 Ford F-150 Supercab PU/EC 4×4 4 stars 4 stars 5 stars 4 stars
2019 Ford F-150 Supercab PU/EC 4×2 4 stars 4 stars 5 stars 4 stars
2019 Ford F-150 Supercab Diesel PU/EC 4×4 N/R N/R N/R 4 stars
2019 Ford F-150 Supercab Diesel PU/EC 4×2 N/R N/R N/R 4 stars
2019 Ford F-150 Super Crew PU/CC 4×4 5 stars 5 stars 5 stars 4 stars
2019 Ford F-150 Super Crew PU/CC 4×2 5 stars 5 stars 5 stars 4 stars
2019 Ford F-150 Super Crew Diesel PU/CC 4×4 N/R N/R N/R 4 stars
2019 Ford F-150 Super Crew Diesel PU/CC 4×2 N/R N/R N/R 4 stars
2019 Ford F-150 Regular Cab PU/RC 4×4 4 stars 4 stars 5 stars 4 stars
2019 Ford F-150 Regular Cab PU/RC 4×2 4 stars 4 stars 5 stars 4 stars
2018 Ford F-150 Supercab PU/EC 4×4 4 stars 4 stars 5 stars 4 stars
2018 Ford F-150 Supercab PU/EC 4×2 4 stars 4 stars 5 stars 4 stars
2018 Ford F-150 Super Crew PU/CC 4×4 5 stars 5 stars 5 stars 4 stars
2018 Ford F-150 Super Crew PU/CC 4×2 5 stars 5 stars 5 stars 4 stars
2018 Ford F-150 Regular Cab PU/RC 4×4 4 stars 4 stars 5 stars 4 stars
2018 Ford F-150 Regular Cab PU/RC 4×2 4 stars 4 stars 5 stars 4 stars
2017 Ford F-150 Supercab PU/EC 4×4 5 stars 5 stars 5 stars 4 stars
2017 Ford F-150 Supercab PU/EC 4×2 5 stars 5 stars 5 stars 4 stars
2017 Ford F-150 Regular Cab PU/RC 4×4 5 stars 5 stars 5 stars 4 stars
2017 Ford F-150 Regular Cab PU/RC 4×2 5 stars 5 stars 5 stars 4 stars
2017 Ford F-150 Crew Cab PU/CC 4×4 5 stars 5 stars 5 stars 4 stars
2017 Ford F-150 Crew Cab PU/CC 4×2 5 stars 5 stars 5 stars 4 stars
2016 Ford F-150 Supercab PU/EC 4×4 5 stars 5 stars 5 stars 4 stars
2016 Ford F-150 Supercab PU/EC 4×2 5 stars 5 stars 5 stars 4 stars
2016 Ford F-150 Super Crew PU/CC 4×4 5 stars 5 stars 5 stars 4 stars
2016 Ford F-150 Super Crew PU/CC 4×2 5 stars 5 stars 5 stars 4 stars
2016 Ford F-150 Regular Cab PU/RC 4×4 5 stars 5 stars 5 stars 4 stars
2016 Ford F-150 Regular Cab PU/RC 4×2 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Ford F-150 Safety Features

Most drivers don’t realize that not only do Ford F-150 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Ford F-150 auto insurance rates. 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 Series

The Ford F-150 is also built by the American manufacturer Ford, which is headquartered in Dearborn, Michigan. The F-150 series is one of Ford’s longest running and best selling trucks.

In fact, according to Consumer Guide Automotive, Ford’s F-150 is one of the top-selling vehicles in all of the United States.

The F-150 is also a full sized, pick-up truck that is designed to haul cargo or tow a trailer. The latest models can be equipped with several different types of engines.

The 3.7-liter V6 option delivers approximately 300 horsepower, while larger V8 engine or turbocharged options provide between 360 to 400 horsepower.

Depending on the engine and F-150 model, the trucks can get between 11-17 miles per gallon in the city. For highway driving, the truck will get between 16-22 mpg.

Like the Ram 1500, the F-150 comes in several different models. Some of these include the XL, the FX 2, the King Ranch and the Platinum. Several of the models can be configured with different cab sizes including regular, extended Super cab, and the four-door Super Crew cab. Nearly all of the F-150s can be equipped with five-foot, five-inch, or six-foot,

Several of the models can be configured with different cab sizes including regular, extended Super cab, and the four-door Super Crew cab.

Nearly all of the F-150s can be equipped with five-foot, five-inch, or six-foot, five-inch-long boxes. The XL and XLT models can even be purchased with eight-foot-long boxes.

Nearly all of the F-150s can be equipped with five-foot, five-inch, or six-foot, five-inch-long boxes. The XL and XLT models can even be purchased with eight-foot-long boxes.

Prices for the F-150 range in price depending on the year and model.

Some of the latest F-150 models can be bought for less than $30,000, while other members of the series have a price tag of nearly $50,000.

The F-150 comes equipped with modern safety features like various types of airbags, a frame manufactured with high strength steel, and anti-lock brakes.

New models of the trucks also come with Ford’s Advance Trac Roll Stability Control system, which helps drivers maintain control when they have to make an unexpected, sudden turn.

New models of the trucks also come with Ford’s Advance Trac Roll Stability Control system, which helps drivers maintain control when they have to make a sudden, unexpected turn.

The official Ford website provides extensive information about the company’s F-150 series.

Ford F-150 Insurance Loss Probability

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

Insurance Coverage Category Loss Rate
Collision -33%
Property Damage no data
Comprehensive 10%
Personal Injury -61%
Medical Payment N/A
Bodily Injury N/A
Source: Insurance Institute for Highway Safety
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Ford F-150 Finance and Insurance Cost

If you are financing a Ford F-150, you will pay more if you purchase Ford F-150 auto insurance at the dealership, so be sure to shop around and compare Ford F-150 auto insurance quotes from the best companies using our FREE tool below.

Ford F-150 Insurance Rates

According to Automobile Magazine, on average it costs $1,311 a year to insure a 2012 F-150. A 2011 F-150, on the other hand, will cost approximately $1,186 per year to insure.

The insurance for a 2010 version of the truck will cost just $1,128 on average. The older the truck, the less value it has and the cheaper it is to insure.

5 Ways to Save on Ford F-150 Insurance

If you want to reduce the cost of your Ford F-150 insurance rates, follow these tips below:

  • Save Money on Young Driver Ford F-150 Insurance Rates By Mentioning Grades or GPA
  • Compare Auto Insurance Companies After Moving
  • Provide Your Ford F-150 VIN When Requesting Ford F-150 Auto Insurance Rates
  • Choose a Ford F-150 with Cheaper Repair Costs
  • Ask About Loyalty Discounts

Top Ford F-150 Insurance Companies

Who is the top auto insurance company for Ford F-150 insurance rates? Who has the best Ford F-150 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford F-150 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford F-150 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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