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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

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.

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
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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 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
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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
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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
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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
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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.

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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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