Ford F-150 Insurance Cost

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.

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.

GEICO charges $113 a month for Ford F-150 full coverage, and AIG charges $270. Minimum coverage is $52 with GEICO and $134 with UAIC. There's an $82 gap on minimum coverage and a $157 gap on full coverage, so get at least three quotes to find your lowest rate.

The Ford F-150 ranks 11th for affordability among 40 pickup trucks in MoneyGeek's database. It costs a few dollars more a month than a Chevrolet Colorado and a few dollars less than a Ram Dakota.

Across all 827 models in the database, the F-150 ranks 201st, putting it in the top 25% most affordable overall. The Suzuki SX4 is the cheapest pickup to insure, and the Ram 2500 is the most expensive.

Several factors affect what you'll pay for Ford F-150 insurance:

Average repair costs. The Ford F-150 averages $884 a year in repair costs, 14th most expensive among Ford's 35 models. That above-midpoint figure pushes premiums above the average for pickup trucks.

Trim, features and accessories. The F-150's engine options range from 290 to 450 horsepower. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.

Driver profile. F-150 drivers tend to fall between ages 35 and 54, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. Read more about the costs of Ford F-150s for young drivers.

The Ford F-150 and Chevrolet Silverado are America's two best-selling vehicles — not just trucks. They're nearly identical in price, capability, and configuration options, which is why buyers so often end up cross-shopping them. On insurance, the difference is small but consistent on new models: the F-150 runs about $9 less per month than the Silverado. It's real, but unlikely to drive the decision on its own.

The more meaningful split is on used models. A 2021 Silverado is both cheaper to buy ($27,000 vs. $30,000) and cheaper to insure ($161 vs. $179 a month for full coverage) than a comparable F-150. Both trucks cost about the same proportion of their value to insure, so the Silverado's edge simply reflects its lower market price. 

If you're shopping used and budget is a factor, the Silverado has a modest but clear advantage on total cost. If you're buying new and have a brand preference, insurance alone won't tip the scales.

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.

• 2025 Ford F-150 Insurance Rates
• 2024 Ford F-150 Insurance Rates
• 2023 Ford F-150 Insurance Rates
• 2022 Ford F-150 Insurance Rates
• 2021 Ford F-150 Insurance Rates

Minimum coverage on the Supercrew Cab XLT is $41 a month. Full coverage on the Supercrew Cab Raptor R is $582. A trim's market value and performance level determine where it falls in that range.

For most F-150 buyers, trim upgrades are a real but manageable insurance cost. Moving from the base XL or STX through the XLT, Lariat, Platinum, and Lightning variants adds up to $194 a month — significant over time, but predictable and proportional to the truck's price tier. 

The Raptor R is a different category entirely. At $291–582 a month for full coverage, it adds up to $504 over the base trim — as much as $6,048 a year. It's priced more like a specialty performance vehicle than a pickup truck, because that's effectively what it is. If you're buying one, budget for it accordingly and shop policies carefully — rates vary significantly on high-performance trucks, so this is one situation where you could especially save a lot of money with the right company.

Wyoming drivers pay $27 a month for minimum coverage on a Ford F-150. Louisiana drivers pay $158. That gap comes from state-level differences in claims frequency, litigation rates and insurance regulations, not the vehicle.

These steps cut Ford F-150 insurance costs without trading away the coverage you need.

The Ford F-150 costs less to insure than most pickup trucks. Compare quotes from at least three insurers and stack available discounts to find your lowest rate.

Ford F-150 cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.

Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.