Ford F-150 Insurance Rates [List of Money Saving Tips]
Ford F-150 insurance rates cost on average $1,322/yr, or $110/mo. A liability-only policy costs around $530 a year or $44 each month. Ford F-150 insurance costs around $197 less per year than the average vehicle. Good drivers can save up to $545 a year on these costs by earning discounts on their policy.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Oct 30, 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 around $1,322 a year or $110 a month. Good drivers can get up to $545 a year in policy discounts by being safe out on the roads. Let’s take a quick 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.
Table of Contents
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 Dodge Ram, Honda Ridgeline, and Chevrolet Colorado.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Chevrolet Colorado | $254 | $438 | $372 | $1,222 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| Chevrolet Silverado 2500HD | $362 | $688 | $420 | $1,650 |
| 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 rates for a 2020 Ford F-150 cost $1,322, while 2010 Ford F-150 rates 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, a 20-year-old driver could pay around $135 more each month for their Ford F-150 car insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Ford F-150 insurance rates. For example, drivers in Los Angeles may pay $189 a year more than drivers in Houston.
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 rates 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
Not only do good Ford F-150 crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper 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 | ||||
|---|---|---|---|---|
Ford F-150 Safety Features
The safety features of the Ford F-150 can impact your Ford F-150 car insurance rates. The 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 affects Ford F-150 car 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
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.
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Ways to Save on Ford F-150 Insurance
You have more options at your disposal to save money on your Ford F-150 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford F-150 car insurance rates
- Add a More Experienced Driver to Your Ford F-150 Policy
- Carpool to Work Instead of Driving Your Ford F-150
- Audit Your Ford F-150 Driving When You Move to a New Location or Start a New Job
- Buy Your Ford F-150 with Cash, or Get a Shorter-Term Loan
- Reduce Your Coverage on an Older Ford F-150
Top Ford F-150 Insurance Companies
Several top car insurance companies offer competitive rates for the Ford F-150 rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Ford F-150 drivers organized by market share.
| 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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