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Compare Ford F-150 Insurance Rates [Guide + Free Quotes]

Getting Ford F-150 insurance quotes will cost on average $110 per month ($1,322 per year). On average, comprehensive coverage costs $322, collision coverage costs $470, and liability coverage costs $373 for Ford F-150 insurance.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 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 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.

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 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.

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 insurance coverage.

Age of the Vehicle

The average Ford F-150 auto insurance rates are higher for newer models. 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

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 $807 a year more than drivers in Seattle.

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.

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

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

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

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

Ford F-150 Finance and Insurance Cost

When 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 rates from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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 F-150 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

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 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

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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