Average Ford F-150 insurance costs run $155 monthly for full coverage and $80 for minimum coverage. Depending on your particular trim and model year, costs can range from $41 to $582 monthly.
Ford F-150 Insurance Cost
Updated: January 13, 2026
Key Takeaways
GEICO offers the most affordable Ford F-150 insurance, with full coverage averaging $113 monthly. Read more
The F-150 ranks 11th out of 40 pickup trucks for insurance affordability. While pickup trucks generally cost more to insure, the F-150's middle-tier placement makes it reasonably priced. Read more
Your F-150's model year and driver age affect insurance rates. Teen drivers and owners of newer model years pay more than experienced drivers with older trucks. Read more
How Much Is Ford F-150 Insurance?
| Ford F-150 | $80 | $155 |
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Your Ford F-150's insurance costs can range from $41 monthly for older models to $245 for the newest ones. Model year greatly affects car insurance rates, and the F-150 is no exception since newer trucks have higher fair market values that cost more to insure.
Insurance costs for a Ford F-150 depend on model year and company. Full coverage goes from $113 monthly with GEICO to $270 with AIG, while minimum coverage runs $52 with GEICO to $134 with UAIC.
F-150 owners should shop between insurers since minimum coverage varies by over $82 and full coverage by over $157. Each company calculates risk differently for the F-150, affecting your final quote.
| AAA | $86 | $178 |
| AIG | $110 | $270 |
| Allstate | $106 | $204 |
| Amica | $98 | $199 |
| Chubb | $106 | $208 |
| Farmers | $114 | $202 |
| Geico | $52 | $113 |
| Kemper | $84 | $172 |
| Nationwide | $89 | $154 |
| Progressive | $87 | $163 |
| State Farm | $72 | $149 |
| The Hartford | $82 | $139 |
| Travelers | $67 | $124 |
| UAIC | $134 | $167 |
Is Ford F-150 Expensive to Insure?
MoneyGeek's analysis of pickup truck insurance costs shows the Ford F-150 ranking 11th among 40 trucks in our database for affordability. This positions it right in the middle, with 10 vehicles offering cheaper rates. You'll pay a few dollars more per month than a Chevrolet Colorado but slightly less than a Ram Dakota. The F-150's moderate pricing among pickup trucks reflects its popularity and balanced risk profile.
While it's middle-tier among pickup trucks, the F-150 actually ranks 201st out of 827 total vehicles, placing it in the top 25% most affordable overall. Pickup trucks generally cost more to insure than other vehicle types. The cheapest pickup to insure is the Suzuki SX4, while the Ram 2500 commands the highest premiums in this category.
| Chevrolet Avalanche | $115 | 8 |
| Honda Ridgeline | $116 | 9 |
| Chevrolet Colorado | $117 | 10 |
| Ford F-150 | $118 | 11 |
| Ram Dakota | $119 | 12 |
| Nissan Titan | $119 | 13 |
| Chevrolet Silverado 2500 | $120 | 14 |
Several factors affect what you'll pay for Ford F-150 insurance:
Average Repair or Replacement Costs: Ford F-150 repair costs average $884 annually, ranking as Ford's 14th most expensive model to maintain out of 35. This relatively moderate maintenance expense helps keep insurance premiums more affordable compared to other Ford vehicles.
Vehicle Trim, Features and Accessories: Higher-performance trims cost substantially more to insure due to their extreme horsepower capabilities. The F-150's engine options range from 290 to 450 horsepower, with more powerful variants driving up repair costs and insurance premiums significantly.
Driver Profile: Most F-150 drivers fall between ages 35-54, an age group that typically enjoys lower rates. However, the truck's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Ford F-150s for young drivers.
Ford F-150 Costs by Model Year and Driver Age by Insurance Company
Your Ford F-150's model year impacts insurance costs, along with driver ages on your policy. A 2016 F-150 costs an average of $189 monthly for full coverage for drivers aged 35 to 55, while a 2025 model jumps to $234 per month. Teen and young adult drivers face much steeper premiums across all model years.
Shopping between insurers gives you the best chance to cut your F-150 insurance costs. GEICO offers the cheapest rates across all model years and could save you hundreds of dollars monthly compared to average pricing.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Ford F-150
| Geico | $69 | $151 |
| Travelers | $83 | $156 |
| National General | $90 | $184 |
| Progressive | $100 | $187 |
| Nationwide | $100 | $174 |
| State Farm | $101 | $212 |
| Kemper | $110 | $224 |
| The Hartford | $113 | $193 |
| AAA | $123 | $254 |
| Amica | $135 | $278 |
| Allstate | $138 | $266 |
| AIG | $158 | $401 |
| UAIC | $163 | $206 |
| Chubb | $163 | $324 |
| Farmers | $168 | $295 |
2025 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $788 | $721 | $664 | $563 | $476 | $309 | $286 | $267 | $253 | $226 |
| State Farm | $796 | $700 | $619 | $535 | $472 | $401 | $365 | $326 | $298 | $262 |
| Geico | $853 | $624 | $524 | $381 | $327 | $265 | $244 | $202 | $191 | $173 |
| Travelers | $955 | $699 | $558 | $431 | $385 | $271 | $249 | $231 | $215 | $180 |
| Allstate | $1,266 | $992 | $800 | $591 | $529 | $413 | $374 | $354 | $334 | $295 |
| Progressive | $1,358 | $1,099 | $912 | $507 | $443 | $357 | $318 | $284 | $261 | $224 |
| Farmers | $1,839 | $1,363 | $1,213 | $759 | $717 | $547 | $486 | $465 | $441 | $371 |
Cost of Car Insurance for 2024 Ford F-150
| Geico | $69 | $150 |
| Travelers | $83 | $156 |
| National General | $90 | $184 |
| Progressive | $99 | $186 |
| Nationwide | $100 | $173 |
| State Farm | $101 | $211 |
| Kemper | $110 | $224 |
| The Hartford | $113 | $193 |
| AAA | $122 | $254 |
| Amica | $135 | $278 |
| Allstate | $138 | $266 |
| AIG | $158 | $401 |
| UAIC | $163 | $205 |
| Chubb | $163 | $324 |
| Farmers | $168 | $295 |
2024 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $786 | $720 | $663 | $562 | $475 | $308 | $286 | $267 | $252 | $226 |
| State Farm | $795 | $699 | $618 | $534 | $471 | $401 | $364 | $325 | $297 | $262 |
| Geico | $851 | $623 | $523 | $380 | $327 | $264 | $243 | $201 | $190 | $173 |
| Travelers | $954 | $698 | $557 | $430 | $384 | $271 | $249 | $231 | $214 | $180 |
| Allstate | $1,265 | $992 | $800 | $591 | $529 | $413 | $374 | $354 | $334 | $295 |
| Progressive | $1,357 | $1,097 | $911 | $507 | $442 | $356 | $317 | $283 | $261 | $224 |
| Farmers | $1,837 | $1,361 | $1,212 | $758 | $716 | $546 | $485 | $465 | $441 | $371 |
Cost of Car Insurance for 2023 Ford F-150
| Geico | $76 | $166 |
| National General | $100 | $205 |
| Travelers | $100 | $186 |
| Progressive | $113 | $212 |
| State Farm | $120 | $252 |
| The Hartford | $131 | $224 |
| Nationwide | $140 | $242 |
| AAA | $142 | $294 |
| Kemper | $145 | $299 |
| Amica | $153 | $314 |
| Allstate | $176 | $341 |
| AIG | $180 | $456 |
| Farmers | $181 | $321 |
| Chubb | $183 | $363 |
| UAIC | $189 | $237 |
2023 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $937 | $685 | $575 | $418 | $360 | $291 | $268 | $222 | $210 | $190 |
| State Farm | $947 | $833 | $737 | $637 | $562 | $478 | $434 | $387 | $354 | $312 |
| Nationwide | $1,098 | $1,005 | $925 | $786 | $664 | $430 | $399 | $372 | $352 | $315 |
| Travelers | $1,127 | $812 | $643 | $496 | $439 | $319 | $292 | $270 | $249 | $214 |
| Progressive | $1,542 | $1,246 | $1,034 | $576 | $502 | $405 | $361 | $322 | $296 | $255 |
| Allstate | $1,632 | $1,279 | $1,030 | $759 | $679 | $531 | $481 | $454 | $428 | $379 |
| Farmers | $1,997 | $1,475 | $1,314 | $818 | $772 | $586 | $523 | $500 | $475 | $400 |
Cost of Car Insurance for 2022 Ford F-150
| Geico | $66 | $143 |
| National General | $88 | $180 |
| Travelers | $88 | $163 |
| Progressive | $99 | $185 |
| State Farm | $105 | $221 |
| The Hartford | $114 | $195 |
| Nationwide | $125 | $216 |
| AAA | $125 | $259 |
| Kemper | $129 | $267 |
| Amica | $135 | $277 |
| Allstate | $157 | $305 |
| Farmers | $158 | $279 |
| AIG | $158 | $400 |
| Chubb | $160 | $319 |
| UAIC | $165 | $207 |
2022 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $809 | $592 | $496 | $361 | $311 | $251 | $231 | $191 | $181 | $164 |
| State Farm | $830 | $730 | $646 | $558 | $493 | $419 | $380 | $340 | $310 | $273 |
| Nationwide | $981 | $898 | $826 | $702 | $593 | $384 | $356 | $332 | $314 | $281 |
| Travelers | $987 | $711 | $562 | $433 | $383 | $279 | $255 | $236 | $218 | $188 |
| Progressive | $1,347 | $1,088 | $903 | $503 | $439 | $354 | $315 | $281 | $259 | $223 |
| Allstate | $1,458 | $1,143 | $919 | $678 | $606 | $474 | $429 | $405 | $382 | $338 |
| Farmers | $1,738 | $1,284 | $1,144 | $712 | $672 | $510 | $455 | $435 | $414 | $349 |
Cost of Car Insurance for 2021 Ford F-150
| Geico | $61 | $132 |
| National General | $81 | $165 |
| Travelers | $81 | $150 |
| Progressive | $91 | $171 |
| State Farm | $97 | $203 |
| The Hartford | $105 | $179 |
| Nationwide | $115 | $199 |
| AAA | $115 | $238 |
| Kemper | $119 | $246 |
| Amica | $124 | $255 |
| Allstate | $145 | $280 |
| Farmers | $145 | $257 |
| AIG | $146 | $368 |
| Chubb | $148 | $293 |
| UAIC | $152 | $190 |
2021 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $745 | $545 | $457 | $332 | $286 | $231 | $213 | $176 | $167 | $151 |
| State Farm | $765 | $673 | $595 | $514 | $454 | $385 | $350 | $313 | $286 | $252 |
| Nationwide | $903 | $827 | $761 | $646 | $546 | $354 | $328 | $306 | $289 | $259 |
| Travelers | $909 | $655 | $518 | $399 | $353 | $257 | $235 | $217 | $201 | $173 |
| Progressive | $1,241 | $1,002 | $832 | $463 | $404 | $326 | $290 | $259 | $239 | $205 |
| Allstate | $1,342 | $1,052 | $847 | $624 | $558 | $436 | $395 | $373 | $352 | $311 |
| Farmers | $1,601 | $1,182 | $1,053 | $656 | $619 | $470 | $419 | $400 | $381 | $321 |
Cost of Car Insurance for 2020 Ford F-150
| Geico | $51 | $111 |
| National General | $68 | $139 |
| Travelers | $68 | $126 |
| Progressive | $77 | $144 |
| State Farm | $82 | $171 |
| The Hartford | $89 | $151 |
| Nationwide | $97 | $168 |
| AAA | $97 | $201 |
| Kemper | $100 | $207 |
| Amica | $105 | $215 |
| Allstate | $122 | $236 |
| Farmers | $122 | $217 |
| AIG | $123 | $310 |
| Chubb | $124 | $247 |
| UAIC | $128 | $160 |
2020 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $627 | $459 | $385 | $280 | $241 | $195 | $179 | $149 | $141 | $128 |
| State Farm | $644 | $567 | $501 | $433 | $382 | $325 | $295 | $263 | $241 | $212 |
| Nationwide | $761 | $697 | $641 | $544 | $460 | $298 | $276 | $258 | $244 | $218 |
| Travelers | $766 | $552 | $436 | $336 | $297 | $217 | $198 | $183 | $169 | $146 |
| Progressive | $1,045 | $844 | $701 | $390 | $340 | $274 | $245 | $218 | $201 | $173 |
| Allstate | $1,131 | $886 | $713 | $526 | $470 | $367 | $333 | $314 | $296 | $262 |
| Farmers | $1,348 | $996 | $887 | $552 | $522 | $396 | $353 | $337 | $321 | $270 |
Cost of Car Insurance for 2019 Ford F-150
| Geico | $45 | $98 |
| National General | $60 | $123 |
| Travelers | $60 | $112 |
| Progressive | $68 | $127 |
| State Farm | $72 | $151 |
| The Hartford | $78 | $133 |
| Nationwide | $85 | $148 |
| AAA | $85 | $177 |
| Kemper | $89 | $183 |
| Amica | $92 | $189 |
| Allstate | $108 | $208 |
| Farmers | $108 | $191 |
| AIG | $108 | $274 |
| Chubb | $110 | $218 |
| UAIC | $113 | $141 |
2019 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $553 | $405 | $340 | $247 | $212 | $172 | $158 | $131 | $124 | $112 |
| State Farm | $568 | $500 | $442 | $382 | $337 | $286 | $260 | $232 | $212 | $187 |
| Nationwide | $671 | $614 | $565 | $480 | $406 | $263 | $244 | $227 | $215 | $192 |
| Travelers | $675 | $486 | $385 | $296 | $262 | $191 | $175 | $161 | $149 | $128 |
| Progressive | $922 | $745 | $618 | $344 | $300 | $242 | $216 | $193 | $177 | $152 |
| Allstate | $997 | $782 | $629 | $464 | $415 | $324 | $294 | $277 | $261 | $231 |
| Farmers | $1,189 | $878 | $782 | $487 | $460 | $349 | $311 | $297 | $283 | $239 |
Cost of Car Insurance for 2018 Ford F-150
| Geico | $40 | $86 |
| National General | $53 | $108 |
| Travelers | $53 | $98 |
| Progressive | $60 | $112 |
| State Farm | $63 | $133 |
| The Hartford | $69 | $117 |
| Nationwide | $75 | $130 |
| AAA | $75 | $156 |
| Kemper | $78 | $161 |
| Amica | $81 | $167 |
| Allstate | $95 | $183 |
| Farmers | $95 | $168 |
| AIG | $95 | $241 |
| Chubb | $97 | $192 |
| UAIC | $99 | $125 |
2018 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $487 | $356 | $299 | $217 | $187 | $151 | $139 | $115 | $109 | $99 |
| State Farm | $500 | $440 | $389 | $336 | $297 | $252 | $229 | $205 | $187 | $165 |
| Nationwide | $591 | $541 | $498 | $423 | $357 | $231 | $215 | $200 | $189 | $169 |
| Travelers | $595 | $428 | $339 | $261 | $231 | $168 | $154 | $142 | $131 | $113 |
| Progressive | $811 | $656 | $544 | $303 | $264 | $213 | $190 | $170 | $156 | $134 |
| Allstate | $878 | $688 | $554 | $408 | $365 | $285 | $258 | $244 | $230 | $203 |
| Farmers | $1,047 | $773 | $689 | $429 | $405 | $307 | $274 | $262 | $249 | $210 |
Cost of Car Insurance for 2017 Ford F-150
| Geico | $56 | $122 |
| National General | $65 | $133 |
| Travelers | $72 | $132 |
| State Farm | $81 | $168 |
| Progressive | $84 | $156 |
| Nationwide | $89 | $154 |
| AAA | $95 | $196 |
| The Hartford | $98 | $167 |
| Amica | $101 | $206 |
| Kemper | $102 | $209 |
| Allstate | $102 | $198 |
| Chubb | $115 | $227 |
| AIG | $120 | $299 |
| Farmers | $127 | $225 |
| UAIC | $137 | $171 |
2017 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $633 | $557 | $492 | $425 | $375 | $319 | $290 | $259 | $237 | $208 |
| Geico | $689 | $503 | $422 | $306 | $264 | $213 | $196 | $162 | $154 | $140 |
| Nationwide | $700 | $641 | $590 | $501 | $423 | $274 | $254 | $237 | $224 | $201 |
| Travelers | $800 | $573 | $452 | $348 | $306 | $226 | $206 | $190 | $176 | $152 |
| Allstate | $944 | $740 | $596 | $440 | $394 | $307 | $279 | $264 | $249 | $220 |
| Progressive | $1,138 | $918 | $761 | $424 | $370 | $298 | $266 | $237 | $218 | $187 |
| Farmers | $1,412 | $1,043 | $929 | $573 | $540 | $409 | $366 | $349 | $333 | $280 |
Cost of Car Insurance for 2016 Ford F-150
| Geico | $59 | $128 |
| National General | $66 | $134 |
| Travelers | $75 | $138 |
| State Farm | $83 | $173 |
| Progressive | $92 | $172 |
| Nationwide | $92 | $159 |
| AAA | $97 | $200 |
| The Hartford | $100 | $171 |
| Kemper | $101 | $206 |
| Amica | $102 | $209 |
| Allstate | $105 | $203 |
| Chubb | $116 | $229 |
| AIG | $122 | $304 |
| Farmers | $131 | $232 |
| UAIC | $141 | $177 |
2016 Ford F-150 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $653 | $574 | $508 | $439 | $387 | $329 | $299 | $267 | $244 | $215 |
| Geico | $724 | $528 | $443 | $322 | $277 | $224 | $206 | $171 | $161 | $147 |
| Nationwide | $724 | $663 | $610 | $518 | $437 | $284 | $263 | $245 | $232 | $207 |
| Travelers | $832 | $596 | $470 | $362 | $319 | $235 | $215 | $198 | $183 | $159 |
| Allstate | $968 | $759 | $611 | $450 | $404 | $315 | $286 | $270 | $255 | $225 |
| Progressive | $1,252 | $1,010 | $837 | $466 | $406 | $328 | $292 | $261 | $240 | $206 |
| Farmers | $1,451 | $1,072 | $954 | $589 | $555 | $421 | $376 | $359 | $342 | $288 |
Ford F-150 Insurance Cost by Trim
Ford F-150 insurance costs vary dramatically by trim, from $582 monthly for full coverage on high-performance Supercrew Cab Raptor R variants down to $41 for minimum coverage on basic Supercrew Cab Xlt models. Performance features and market value determine where your specific trim falls in this range.
| Supercrew Cab Xlt 60th Anniversary Edition Pickup 4d 6 1/2 Ft | $41 | $78 |
| Super Cab Xlt 60th Anniversary Edition Pickup 4d 6 1/2 Ft | $43 | $82 |
| Supercrew Cab Xlt 60th Anniversary Edition Pickup 4d 5 1/2 Ft | $49 | $94 |
| Regular Cab Xl Stx Pickup 2d 8 Ft | $53 | $102 |
| Supercrew Cab Harley-Davidson 105th Anniversary Edition Pickup 4d 5 1/2 Ft | $53 | $102 |
| Regular Cab Short Bed | $56 | $107 |
| Super Cab Short Bed 4d | $56 | $107 |
| Super Cab Stx Pickup 4d 5 1/2 Ft | $58 | $111 |
| Super Cab Long Bed 4d | $59 | $113 |
| Regular Cab Long Bed | $59 | $114 |
| Supercrew Cab King Ranch Short Bed 4d | $60 | $115 |
| Regular Cab Stx Pickup 2d 6 1/2 Ft | $62 | $119 |
| Regular Cab Xlt Stx Pickup 2d 8 Ft | $62 | $119 |
| Regular Cab Xl Pickup 2d 8 Ft | $63 | $122 |
| Regular Cab Xl Pickup 2d 6 1/2 Ft | $64 | $123 |
| Super Cab Xl Pickup 4d 6 1/2 Ft | $64 | $124 |
| Regular Cab Xl Stx Pickup 2d 6 1/2 Ft | $64 | $123 |
| Super Cab Xlt Pickup 4d 5 1/2 Ft | $65 | $126 |
| Super Cab Fx4 Pickup 4d 6 1/2 Ft | $65 | $126 |
| Super Cab Xl Stx Pickup 4d 8 Ft | $66 | $126 |
| Super Cab Xl Pickup 4d 8 Ft | $66 | $129 |
| Super Cab Lariat Pickup 4d 5 1/2 Ft | $67 | $128 |
| Super Cab Stx Pickup 4d 6 1/2 Ft | $67 | $129 |
| Supercrew Cab Harley-Davidson 4d | $68 | $131 |
| Supercrew Cab Fx2 Pickup 4d 5 1/2 Ft | $68 | $132 |
| Regular Cab Xlt Pickup 2d 6 1/2 Ft | $69 | $133 |
| Super Cab Fx4 Pickup 4d 5 1/2 Ft | $69 | $133 |
| Regular Cab Xlt Stx Pickup 2d 6 1/2 Ft | $71 | $137 |
| Supercrew Cab Xl Pickup 4d 6 1/2 Ft | $72 | $139 |
| Supercrew Cab Fx4 Pickup 4d 6 1/2 Ft | $72 | $139 |
| Super Cab Xlt Pickup 4d 8 Ft | $74 | $143 |
| Supercrew Cab Xl Pickup 4d 5 1/2 Ft | $75 | $145 |
| Super Cab Lariat Pickup 4d 6 1/2 Ft | $75 | $145 |
| Supercrew Cab Xlt Pickup 4d 6 1/2 Ft | $75 | $146 |
| Super Cab Harley-Davidson | $76 | $145 |
| Super Cab Xlt Pickup 4d 6 1/2 Ft | $76 | $147 |
| Supercrew Cab Xlt Pickup 4d 5 1/2 Ft | $78 | $150 |
| Regular Cab Xlt Pickup 2d 8 Ft | $78 | $150 |
| Supercrew Cab Fx4 Pickup 4d 5 1/2 Ft | $80 | $153 |
| Super Cab Xl Stx Pickup 4d 6 1/2 Ft | $80 | $154 |
| Regular Cab Lightning Short Bed | $81 | $157 |
| Super Cab Fx2 Pickup 4d 6 1/2 Ft | $82 | $158 |
| Supercrew Cab Fx2 Pickup 4d 6 1/2 Ft | $82 | $157 |
| Supercrew Cab Short Bed 4d | $82 | $158 |
| Supercrew Cab Lariat | $84 | $164 |
| Supercrew Cab Lariat Pickup 4d 5 1/2 Ft | $84 | $163 |
| Supercrew Cab Harley-Davidson Pickup 4d 5 1/2 Ft | $85 | $163 |
| Lightning Xlt | $85 | $166 |
| Super Cab Heritage Pickup 4d 6 1/2 Ft | $86 | $166 |
| Supercrew Cab Lariat Pickup 4d 6 1/2 Ft | $87 | $168 |
| Supercrew Cab Platinum Pickup 4d 6 1/2 Ft | $87 | $169 |
| Super Cab Lariat Pickup 4d 8 Ft | $89 | $172 |
| Regular Cab Fx4 Pickup 2d 6 1/2 Ft | $89 | $171 |
| Supercrew Cab Stx Pickup 4d 5 1/2 Ft | $89 | $173 |
| Super Cab King Ranch Short Bed 4d | $90 | $173 |
| Super Cab Svt Raptor Pickup 4d 5 1/2 Ft | $91 | $175 |
| Lightning Flash | $92 | $179 |
| Supercrew Cab King Ranch Pickup 4d 6 1/2 Ft | $92 | $179 |
| Regular Cab Xl | $93 | $181 |
| Supercrew Cab Lariat Limited Pickup 4d 5 1/2 Ft | $93 | $180 |
| Supercrew Cab King Ranch Pickup 4d 5 1/2 Ft | $94 | $181 |
| Supercrew Cab King Ranch 4d | $94 | $181 |
| Lightning Pro Pickup 4d 5 1/2 Ft | $94 | $183 |
| Supercrew Cab Platinum Pickup 4d 5 1/2 Ft | $95 | $184 |
| Supercrew Cab King Ranch | $97 | $190 |
| Supercrew Cab Platinum | $98 | $190 |
| Super Cab Raptor Pickup 4d 5 1/2 Ft | $98 | $192 |
| Lightning Pro | $99 | $193 |
| Super Cab Xl | $100 | $195 |
| Supercrew Cab Svt Raptor Pickup 4d 5 1/2 Ft | $101 | $195 |
| Lightning Xlt Pickup 4d 5 1/2 Ft | $102 | $199 |
| Super Cab Xlt Stx Pickup 4d 8 Ft | $102 | $197 |
| Super Cab King Ranch Pickup 4d 6 1/2 Ft | $103 | $198 |
| Lightning Lariat | $103 | $201 |
| Supercrew Cab Xl | $105 | $205 |
| Regular Cab Fx2 Pickup 2d 6 1/2 Ft | $106 | $206 |
| Super Cab Xlt Stx Pickup 4d 6 1/2 Ft | $108 | $207 |
| Super Cab Stx | $109 | $212 |
| Supercrew Cab Limited Pickup 4d 5 1/2 Ft | $110 | $214 |
| Supercrew Cab Raptor | $111 | $216 |
| Super Cab Xlt | $111 | $216 |
| Lightning Lariat Pickup 4d 5 1/2 Ft | $112 | $218 |
| Supercrew Cab Stx | $113 | $220 |
| Supercrew Cab Harley-Davidson | $113 | $218 |
| Lightning Platinum | $114 | $221 |
| Supercrew Cab Xlt | $114 | $222 |
| Regular Cab Svt Lightning Pickup 2d 6 1/2 Ft | $116 | $223 |
| Supercrew Cab Tremor | $118 | $231 |
| Super Cab Harley-Davidson Pickup 4d 6 1/2 Ft | $128 | $247 |
| Supercrew Cab Raptor Pickup 4d 5 1/2 Ft | $129 | $252 |
| Supercrew Cab Tremor Pickup 4d 5 1/2 Ft | $135 | $263 |
| Lightning Platinum Pickup 4d 5 1/2 Ft | $139 | $272 |
| Supercrew Cab Raptor R | $150 | $291 |
| Supercrew Cab Raptor R Pickup 4d 5 1/2 Ft | $299 | $582 |
Ford F-150 Insurance Cost by State
Ford F-150 insurance costs range dramatically from $158 monthly in Louisiana to just $27 in Wyoming for minimum coverage, depending on where you live. Your state's risk factors and insurance regulations drive these differences, not the truck itself.
| Alabama | $67 | $125 |
| Alaska | $58 | $122 |
| Arizona | $93 | $174 |
| Arkansas | $66 | $147 |
| California | $77 | $155 |
| Colorado | $77 | $182 |
| Connecticut | $110 | $190 |
| Delaware | $109 | $183 |
| Florida | $100 | $231 |
| Georgia | $124 | $202 |
| Hawaii | $42 | $95 |
| Idaho | $42 | $86 |
| Illinois | $73 | $137 |
| Indiana | $51 | $100 |
| Iowa | $44 | $106 |
| Kansas | $57 | $133 |
| Kentucky | $100 | $170 |
| Louisiana | $158 | $341 |
| Maine | $40 | $82 |
| Maryland | $125 | $210 |
| Massachusetts | $79 | $168 |
| Michigan | $121 | $234 |
| Minnesota | $62 | $130 |
| Mississippi | $70 | $138 |
| Missouri | $92 | $184 |
| Montana | $58 | $137 |
| Nebraska | $55 | $126 |
| Nevada | $136 | $247 |
| New Hampshire | $54 | $96 |
| New Jersey | $126 | $207 |
| New Mexico | $66 | $147 |
| New York | $97 | $174 |
| North Carolina | $64 | $125 |
| North Dakota | $45 | $98 |
| Ohio | $60 | $116 |
| Oklahoma | $72 | $160 |
| Oregon | $93 | $161 |
| Pennsylvania | $67 | $157 |
| Rhode Island | $98 | $175 |
| South Carolina | $80 | $149 |
| South Dakota | $42 | $128 |
| Tennessee | $62 | $125 |
| Texas | $100 | $205 |
| Utah | $84 | $143 |
| Vermont | $35 | $82 |
| Virginia | $74 | $121 |
| Washington | $71 | $132 |
| West Virginia | $69 | $141 |
| Wisconsin | $51 | $113 |
| Wyoming | $27 | $86 |
How to Lower the Cost of Ford F-150 Insurance
These proven strategies help you find better rates on Ford F-150 insurance coverage:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Ford F-150. Own your truck? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for pickup trucks. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service, especially when you need to file a claim.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Ford F-150 owners typically qualify for safety features discounts, multi-vehicle discounts, bundling savings and good driver rewards. Additional discounts may include military service, professional associations or completing defensive driving courses. These savings can significantly reduce your annual premium costs.
- 5Consider alternative car insurance types
Ford F-150 owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics programs monitor your driving behavior, speed and mileage to potentially lower your rates. They're particularly valuable for occasional drivers or those with excellent driving records.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Ford F-150 insurance.
Ford F-150 Insurance Cost: Bottom Line
Ford F-150 insurance runs affordable compared to average vehicle costs, though you'll secure better rates by shopping around. Compare quotes from multiple carriers, maximize available discounts and adjust your coverage choices to find competitive pricing.
Ford F-150 Insurance Rates: FAQ
What is the average cost of car insurance for a Ford F-150?
Ford F-150 insurance costs $962 annually for state minimum coverage and $1,862 yearly for full coverage. These rates represent competitive pricing compared to other pickup trucks in the market.
What company has the cheapest car insurance for a Ford F-150?
GEICO provides the most affordable minimum coverage for a Ford F-150 at $626 annually. For full coverage needs, GEICO also delivers the best value at $1,355 per year.
Are Ford F-150s expensive to insure?
No, Ford F-150 insurance is not expensive compared to most vehicles. Among pickup trucks specifically, it ranks 11th out of 40 for affordability, placing it in the upper tier within its category.
What factors affect insurance costs for Ford F-150s?
Multiple factors affect Ford F-150 insurance rates beyond the vehicle itself. Your driving record and credit score significantly impact premiums, along with your coverage choices. The F-150's popularity and repair costs also influence rates, though it remains relatively affordable to insure overall.
How can I lower Ford F-150 insurance costs?
Compare quotes from several insurers since F-150 pricing differs significantly between companies, and explore usage-based programs that monitor safe driving. Maximize available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Ford F-150 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Ford F-150 insurance costs.
Who We Based These Rates On
These Ford F-150 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.