Ford F-150 insurance costs average $80 per month for minimum coverage and $155 monthly for full coverage. Depending on your particular trim and model year, costs can range from $30 to $582 monthly.
Ford F-150 Insurance Cost
Updated: September 24, 2025
Key Takeaways
Ford F-150 insurance costs vary widely from $89 monthly for basic minimum coverage to $582 for full coverage on high-performance trims like the Raptor R.
The F-150 ranks 201st out of 827 vehicle models for insurance affordability in the United States vehicle market, placing it in the middle tier for costs.
GEICO offers the most affordable Ford F-150 full coverage at $113 monthly, while minimum coverage starts around $52 per month.
How Much Is Ford F-150 Insurance?
| Ford F-150 | $80 | $155 |
Ford F-150 Insurance Cost by Model Year
Your Ford F-150's model year and available trim options directly affect your insurance rates. Newer trucks generally cost more to insure because of their higher replacement value. Monthly premiums for F-150s range from $41 for older models to $245 for the newest versions.
| 2025 | $105 | $205 |
| 2024 | $105 | $205 |
| 2023 | $125 | $245 |
| 2022 | $110 | $215 |
| 2021 | $102 | $198 |
| 2020 | $86 | $167 |
| 2019 | $76 | $147 |
| 2018 | $66 | $130 |
| 2017 | $84 | $163 |
| 2016 | $87 | $169 |
| 2015 | $89 | $173 |
| 2014 | $87 | $169 |
| 2013 | $84 | $162 |
| 2012 | $68 | $130 |
| 2011 | $65 | $125 |
| 2010 | $55 | $106 |
| 2009 | $50 | $96 |
| 2008 | $43 | $84 |
| 2007 | $41 | $79 |
| 2006 | $99 | $190 |
| 2005 | $89 | $172 |
| 2004 | $85 | $164 |
| 2003 | $84 | $161 |
| 2002 | $82 | $158 |
| 2001 | $61 | $118 |
| 2000 | $61 | $118 |
Ford F-150 Insurance Cost by Trim
Ford F-150 insurance rates change dramatically based on your truck's trim level. Features, market value, and desirability of different trims affect pricing. Monthly premiums range from $41 for basic trims to $582 for high-performance variants like the Raptor R, according to our analysis.
| 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 |
Compare Personalized Ford F-150 Insurance Costs
We broke down Ford F-150 insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
2000
Model Year:2000
Regular Cab Long Bed
Trim:Regular Cab Long Bed
| Regular Cab Long Bed | $54 | $104 |
Ford F-150 Insurance Cost by Company
Ford F-150 insurance costs vary widely by provider, ranging from $83 to $190 monthly. Minimum coverage spans $52 to $134, while full coverage costs $113 to $270. Rate differences reflect each insurer's unique risk assessment approach.
| 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 |
Ford F-150 Insurance Cost by State
Ford F-150 insurance costs vary dramatically by location, ranging from $27 monthly in Wyoming to $341 in Louisiana.
| 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 |
Ford F-150 Insurance Cost by Driver Profile
Your age and driving record heavily influence Ford F-150 insurance costs. Adult drivers between 26-64 with clean records pay around $118 monthly, while young drivers under 25 face rates as high as $299 per month even without violations.
| Adult Drivers | $80 | $155 |
| Young Drivers | $205 | $393 |
| Senior Drivers | $107 | $196 |
| Drivers With a Speeding Ticket | $100 | $195 |
| Drivers With an Accident | $118 | $227 |
| Drivers With a DUI | $147 | $280 |
| Drivers With Bad Credit | $189 | $381 |
Is a Ford F-150 Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Ford F-150 ranks 201st out of 827, making it one of the more affordable cars to insure. Among full-size pickup trucks, the model ranks third out of 16.
| Gmc Sierra 1500 | $75 | $145 |
| Chevrolet Avalanche | $79 | $152 |
| Ford F-150 | $80 | $155 |
| Nissan Titan | $81 | $158 |
| Chevrolet Silverado 1500 | $82 | $158 |
| Chevrolet Silverado 2500 | $81 | $158 |
| Gmc Sierra 2500 | $85 | $165 |
| Ram 1500 | $86 | $167 |
| Chevrolet Silverado 3500 | $88 | $171 |
| Gmc Sierra 3500 | $89 | $172 |
| Ford F-250 | $105 | $203 |
| Ford F-350 | $108 | $210 |
| Ram 3500 | $118 | $229 |
| Ford F-450 | $133 | $259 |
| Gmc Hummer EV | $134 | $264 |
| Ram 2500 | $170 | $329 |
Factors That Affect Ford Car Insurance Costs
Several factors influence what you'll pay for Ford F-150 insurance coverage:
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748. Ford F-150 repair costs average $884 annually, placing it a little towards the expensive side for Fords.
Vehicle Trim, Features and Accessories
Ford F-150 trim levels range dramatically from basic work trucks (XL at ~$38,000) to luxury models (Platinum at $74,000+). Higher trims with advanced towing packages, luxury interiors and performance engines increase insurance costs due to higher repair values and replacement complexity.
Fuel Type
Ford F-150s offer multiple conventional gasoline engine options, including turbocharged EcoBoost V6s, naturally aspirated V8s and hybrid powertrains.
The established gasoline infrastructure and widespread service expertise help control insurance costs, while the Lightning electric variant may qualify for eco-friendly discounts.
Location
Ford F-150 owners are concentrated in suburban and urban areas nationwide. The F-150's theft rate of 36 and large size can increase comprehensive and collision coverage costs in certain markets, though its popularity ensures competitive insurance rates across most regions.
Driver Profile
Most Ford F-150 drivers are mature males aged 55 with household incomes averaging $82,000 annually. This demographic (84% male, primarily suburban/urban) receives favorable insurance rates due to established driving records and financial stability, though higher-performance trims attract younger, more affluent buyers.
Driver demographics affect Ford F-150 rates:
• Age (55 median): Mature drivers benefit from experience-based rate reductions
• Income ($82,000 average): Above-median income supports better credit and lower risk profiles
• Gender (84% male): Mixed impact depending on age and driving record
• Usage pattern: Multi-purpose family and work vehicle with moderate annual mileage
• Brand loyalty: Long-term F-150 ownership often qualifies for loyalty discounts
Cheapest Ford F-150 Insurance Companies
GEICO offers the most affordable F-150 insurance with full coverage premiums averaging $113 monthly. For drivers seeking minimum coverage, GEICO also leads with the lowest rates at $52 per month. This makes GEICO the clear winner for F-150 owners looking to save money on both comprehensive protection and basic liability coverage.
| GEICO | $52 | $113 |
| Travelers | $67 | $124 |
| State Farm | $72 | $149 |
| The Hartford | $82 | $139 |
| Nationwide | $89 | $154 |
Cheapest Ford F-150 Insurance by State
Our research shows that GEICO, Auto-Owners and Travelers are the most affordable Ford F-150 insurance providers nationwide:
- GEICO: Most affordable in 16 states
- Auto-Owners: Most affordable in eight states
- Travelers: Most affordable in seven states
You can filter below to find the cheapest auto insurance rates for your Ford F-150 in your specific area.
Data filtered by:Results filtered by:
Alabama
State:Alabama
| Alabama | Cincinnati Insurance | $34 |
How to Get the Best Cheap Ford F-150 Insurance
Below, we break down Ford F-150 car insurance discounts to help you save:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Ford's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Ford F-150, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Ford F-150 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Ford F-150 buyers' mature age profile (average age 55) and established households typically mean multiple vehicles, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With above-average household incomes ($82,000 annually) and homeownership rates among drivers aged 55+, F-150 owners can bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): F-150 owners' mature age profile (median 56 years) and established lifestyle typically correlate with clean driving records that qualify for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): Ford Co-Pilot360 comes standard on F-150 models, and its built-in features, like automatic emergency braking and blind spot monitoring, help you avoid crashes. Many insurance companies will offer discounts for these advanced safety systems.
- Work/Commercial Use Discount (5% to 20% savings): Many F-150 owners use their trucks for work or business purposes, potentially qualifying for commercial use discounts or fleet-style savings when properly documented with insurers.
- 5
Consider alternative car insurance types
Ford F-150 owners should consider Ford Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford F-150 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford F-150 Insurance Cost: Bottom Line
Insuring a Ford F-150 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Ford F-150 Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford F-150.
What is the average cost of car insurance for a Ford F-150?
The Ford F-150's average annual insurance cost is $962 for minimum coverage and $1,862 for full coverage.
What company has the cheapest car insurance for a Ford F-150?
GEICO offers the most affordable F-150 insurance with full coverage premiums averaging $113 monthly. For drivers seeking minimum coverage, GEICO also leads with the lowest rates at $52 per month. This makes GEICO the clear winner for F-150 owners looking to save money on both comprehensive protection and basic liability coverage.
Are Ford F-150s expensive to insure?
Out of 827 vehicles we track, the Ford F-150 ranks 201st for affordability, making it more affordable than the average. Among full-size pickup trucks, this model sits at 3rd out of 16 similar models.
What factors affect insurance costs for Ford F-150s?
Several things drive up your Ford F-150 rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Ford F-150 insurance costs?
Shop around with multiple insurers as rates vary for Fords, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford F-150 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.