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

The cost of Ford F-150 car insurance rates are $1,322 a year, or around $110 a month on average. Mature drivers with good driving records may find rates as low as $777 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

There’s no need to let Ford F-150 insurance rates stress you out. Ford F-150 insurance costs around $197 less per year than the average vehicle. Read on to learn how to save on insurance rates for a Ford F-150.

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 auto insurance costs 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 Toyota Tundra, Ford Ranger, and GMC Canyon.

Vehicle Comprehensive Collision Liability Total
Ford F-150 $322 $470 $372 $1,322
Toyota Tundra $320 $512 $440 $1,452
Ford Ranger $254 $470 $372 $1,254
GMC Canyon $270 $478 $398 $1,304
Nissan Frontier $294 $500 $420 $1,394
GMC Sierra $336 $594 $372 $1,460
Chevrolet Silverado $322 $562 $420 $1,484
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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, auto 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 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.

Driver Location

Where you live can have a large impact on Ford F-150 insurance rates. For example, drivers in New York may pay $344 a year more than drivers in Chicago.

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 auto insurance rates are influenced by the Ford F-150’s safety ratings. 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
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Ford F-150 Crash Test Ratings

Good Ford F-150 crash test ratings can lower your Ford F-150 auto insurance rates. See Ford F-150 crash test results below:

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

Having a variety of safety features on your Ford F-150 can help lower your insurance costs. The 2020 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

The Ford F-150’s insurance loss probability varies between different coverage types. The lower percentage means lower Ford F-150 auto insurance costs; higher percentages mean higher Ford F-150 auto insurance costs.

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
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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 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford F-150 Insurance

There are many ways that you can save on Ford F-150 car insurance. Below are five actions you can take to find cheap Ford F-150 auto insurance rates.

  • Understand that Your Insurer Can Change Your Ford F-150 Auto Insurance Rates Mid-Term for Other Reasons
  • Get Married and Ask for a Discount
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Ford F-150
  • Tell Your Insurer About Different Drivers or Uses for Your Ford F-150
  • Understand that Insurance Companies Can’t Change Your Ford F-150 Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score

Top Ford F-150 Insurance Companies

Who is the best auto 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 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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