Best Ford F-150 Car Insurance Quotes (2024)
Getting Ford F-150 insurance rates will cost, on average, $110 per month. The average 2019 Ford F-150 insurance rate is $264 per month.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 insurance rates are about $197 less per year than the average vehicle, with full coverage pricing out at around $1,322 a year or $110 a month. Liability-only coverage is less at around $530 a year or $44 a month, and good drivers can save up to $545 in policy discounts per year. Let’s take a look at Ford F-150 insurance rates, crash test ratings, and more.
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.
How much does Ford F-150 insurance cost?
The average Ford F-150 car insurance rate is $1,322 a year or $110 a month.
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What’s the average truck insurance cost per month?
How much is insurance a month for a truck like the F-150? The chart below details how Ford F-150 insurance rates compare to other model trucks like the GMC Sierra 2500HD, Honda Ridgeline, and Chevrolet Silverado.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
| GMC Sierra 2500HD | $336 | $656 | $420 | $1,592 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Chevrolet Silverado | $322 | $562 | $420 | $1,484 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| GMC Sierra 3500HD | $376 | $656 | $420 | $1,632 |
| GMC Canyon | $270 | $478 | $398 | $1,304 |
However, there are a few things you can do to find the cheapest Ford insurance rates online and hopefully pay below the average pickup truck insurance cost per month.
What impacts the cost of Ford F-150 insurance?
The Ford F-150 trim and model you choose from the many options in the auto industry can impact the total price you will pay for Ford F-150 truck insurance coverage.
Are your rates affected by the age of the vehicle?
The average Ford F-150 auto insurance rates are higher for a newer model. For example, auto insurance for a 2020 Ford F-150 costs $1,322, while 2010 Ford F-150 insurance costs $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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Are your rates affected by the driver age?
A Driver’s age can have a significant effect on the cost of Ford F-150 car insurance. For example, 30-year-old drivers pay approximately $58 more for their Ford F-150 car insurance than 40-year-old drivers.
Are your rates affected by the driver location?
Where you live can have a large impact on Ford F-150 insurance rates. For example, drivers in New York may pay $807 a year more than drivers in Seattle.
Are your rates affected by your driving record?
Your driving record can have an impact on your Ford F-150 car insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford F-150 car insurance with violations on their driving record.
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What are 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 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 | |
What are Ford F-150 crash test ratings?
Poor Ford F-150 crash test ratings could mean higher Ford F-150 car 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 | ||||
|---|---|---|---|---|
What are Ford F-150 safety features?
The Ford F-150 safety features can help lower insurance costs. According to US News, the 2020 Ford F-150 has the following safety features:
- 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
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What is Ford F-150 insurance loss probability?
Another contributing factor that plays a direct role in Ford F-150 insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -33% |
|---|---|
| Property Damage | no data |
| Comprehensive | 10% |
| Personal Injury | -61% |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
What is the insurance and finance cost of a Ford F-150?
When financing a Ford F-150, most lenders will require you to carry higher Ford F-150 coverage options including comprehensive coverage, so be sure to shop around and compare Ford F-150 car insurance rates from the best companies using our FREE tool below.
What are some ways to save on Ford F-150 insurance?
Although it may seem like your Ford F-150 car insurance rates are set, there are a few measures that you can take to secure the best Ford motor company car insurance rates possible. Take a look at the following five ways to save on Ford F-150 auto insurance.
- Take Public Transit Instead of Driving Your Ford F-150
- Check Your Ford F-150 Policy Carefully to Ensure All Information is Correct
- Talk to Your Credit Card Company to Save on Rental Car Costs
- Be Picky About Who Drives Your Ford F-150
- Improve Your Credit Score
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What are the top Ford F-150 insurance companies?
Who is the top car insurance company for 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 on 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 | |||
How can you compare free Ford F-150 insurance quotes online?
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.
Frequently Asked Questions
What factors affect the cost of insurance for a Ford F-150?
The cost of insurance for a Ford F-150 can be affected by factors such as the driver’s age, driving history, location, coverage limits, deductible amount, and the model year and trim of the vehicle.
Is it more expensive to insure a newer Ford F-150 model?
Yes, generally newer Ford F-150 models may be more expensive to insure due to their higher market value and more advanced features.
What type of coverage should I consider for my Ford F-150?
It is recommended to have at least liability coverage, which is required by law in most states, and collision and comprehensive coverage to protect against damages to your vehicle in the event of an accident or other covered loss.
Are there any discounts available for Ford F-150 insurance?
Yes, some common discounts for Ford F-150 insurance include multi-car discounts, safe driver discounts, good student discounts, and discounts for safety features such as anti-theft devices and airbags.
Can I bundle my Ford F-150 insurance with other policies for a discount?
Yes, many insurance companies offer bundling discounts for customers who have multiple policies, such as auto and home insurance, with the same provider.
How can I find the best Ford F-150 insurance quotes?
It is recommended to shop around and compare quotes from multiple insurance providers to find the best coverage and rates for your Ford F-150. You can also work with an independent insurance agent to help you find the best options for your specific needs.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.