Ford F150 Car Insurance Cost
Insuring a Ford F150 typically costs about $659 per year with Wolverine Mutual. However, the actual price can vary based on your age, the truck’s model year, and other factors. Check the quote tables below for a personalized estimate.
If you’re considering buying a Ford F150, it’s important to think about the cost of insurance. Insurance is a major part of car ownership, so understanding this expense is crucial before making your decision.
Choosing the right car insurance is essential to avoid unexpected and costly surprises down the road. Having enough coverage is important to protect yourself from large out-of-pocket costs in case of an accident. Additionally, if you cause an accident, your premiums could increase.
From my over ten years of experience in analyzing car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location significantly affect your insurance premiums.
How Much Does Ford F150 Car Insurance Cost?
Wolverine Mutual generally provides the best rate for full coverage insurance on a 2020 Ford F150, at around $659 per year.
While Wolverine Mutual’s rate is a good benchmark, car insurance costs can vary greatly based on several factors. These include your location, driving history, the age of your car, and the coverage options you choose. Typically, a clean driving record results in lower premiums, whereas a history of accidents or traffic violations can increase your rates.
Living in a busy city usually means higher insurance rates compared to living in a quiet rural area. The type of coverage you select also impacts your premium—comprehensive coverage, which includes both comprehensive and collision coverage, is more expensive than basic liability coverage.
At Insuranceopedia, we can help you compare quotes from different insurance providers to make sure you get the best deal.
2024 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| USAA | $1,242 |
| Auto-Owners Insurance Co | $1,085 |
| Wolverine Mutual | $659 |
| Hastings Mutual Insurance Co | $1,120 |
| Pioneer State Mutual Ins Co | $1,187 |
| MEEMIC Insurance Company | $1,482 |
| Chubb | $1,071 |
| SECURA Insurance | $881 |
| Travelers | $1,440 |
| Frankenmuth Mutual | $1,283 |
2023 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $434 |
| American National P | $427 |
| Titan | $785 |
| North Carolina Farm Bureau | $1,140 |
| Utica National Ins Group | $841 |
| Southern Farm Bureau | $1,209 |
| Jupiter Auto Insurance | -$1 |
| Country | $798 |
| Capital Insurance Group | $761 |
| New Jersey Manufacturers | $1,077 |
2022 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $455 |
| Safeco | $313 |
| American National P | $679 |
| NatGen Custom 360 | $518 |
| Utica National Ins Group | $872 |
| PEMCO | $893 |
| Countryway Insurance | $766 |
| Plymouth Rock Assurance | $965 |
| Mercury Insurance | $692 |
| NatGen Value | $317 |
2021 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| PEMCO | $841 |
| Victoria | $368 |
| American National P&C | $765 |
| MMG Insurance Company | $832 |
| Safeco | $282 |
| Mercury Insurance | $841 |
| Jupiter Auto Insurance | $29 |
| American National P | $799 |
| Titan | $842 |
| Pure Companies Grp | $802 |
2020 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premium | $384 |
| NatGen PPA | $333 |
| Safeco | $261 |
| Pekin Insurance | $1,010 |
| SafeAuto | $966 |
| PEMCO | $887 |
| Capital Insurance Group | $974 |
| American National P | $535 |
| AssuranceAmerica Mobile Max | $395 |
| Mercury Insurance | $663 |
2019 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $481 |
| Kemper Auto Premium | $404 |
| American National P&C | $334 |
| Safeco | $216 |
| Dairyland Broadform | $845 |
| PEMCO | $805 |
| NatGen PPA | $604 |
| American National P | $410 |
| Buckeye Insurance Group | $875 |
| Infinity Special | $449 |
2018 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $31 |
| Infinity Special | $773 |
| American National P | $474 |
| Buckeye Insurance Group | $668 |
| Safeco | $445 |
| AssuranceAmerica Mobile Max | $216 |
| NatGen Custom 360 | $622 |
| Dairyland Auto 1 Month | $198 |
| Dairyland FR Bond | $212 |
| PEMCO | $851 |
2017 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $741 |
| SECURA Insurance | $876 |
| NatGen Custom 360 | $127 |
| Pure Companies Grp | $811 |
| Kemper Auto Premier | $519 |
| Safeco | $280 |
| Concord Group | $821 |
| Mercury Insurance | $238 |
| Kemper Personal Insurance | $184 |
| American National P | $540 |
2016 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $816 |
| AssuranceAmerica Mobile Max | $210 |
| North Carolina Farm Bureau | $827 |
| Safeco | $164 |
| Dairyland FR Bond | $385 |
| Rural Mutual Insurance | $900 |
| Concord Group | $750 |
| Kemper Auto Premium | $203 |
| American National P | $510 |
| Utica National Ins Group | $661 |
2015 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Concord Group | $896 |
| American National P | $532 |
| Kemper Auto Premium | $712 |
| Plymouth Rock Assurance | $819 |
| MMG Insurance Company | $904 |
| SECURA Insurance | $836 |
| Mercury Insurance | $507 |
| Commerce Group Inc | $724 |
| NatGen Custom 360 | $126 |
| Safeco | $171 |
2014 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $763 |
| MMG Insurance Company | $642 |
| American National P | $415 |
| Kemper Personal Insurance | $725 |
| Safeco | $205 |
| Umialik Insurance | $796 |
| Dairyland FR Bond | $564 |
| AssuranceAmerica Mobile Max | $240 |
| Patriot Group | $684 |
| American National P&C | $655 |
2013 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $375 |
| Safeco | $262 |
| AssuranceAmerica Mobile Max | $152 |
| Bear River | $545 |
| American National P | $445 |
| Kemper Auto Premium | $137 |
| Dairyland FR Bond | $599 |
| NatGen Custom 360 | $306 |
| Dairyland Broadform | $630 |
| Kemper Personal Insurance | $71 |
2012 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $97 |
| Utica National Ins Group | $705 |
| Mercury Insurance | $401 |
| PEMCO | $770 |
| MMG Insurance Company | $689 |
| NatGen Custom 360 | $216 |
| AssuranceAmerica Mobile Max | $555 |
| Concord Group | $509 |
| American National P | $356 |
| Kemper Personal Insurance | $369 |
2011 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $128 |
| Bear River | $548 |
| MMG Insurance Company | $638 |
| NatGen Custom 360 | $223 |
| Buckeye Insurance Group | $628 |
| Kemper Personal Insurance | $109 |
| Dairyland Broadform | $474 |
| American National P | $497 |
| Dairyland FR Bond | $246 |
| AssuranceAmerica Mobile Max | $564 |
2010 Ford F150 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $388 |
| Mercury Insurance | $301 |
| Kemper Auto Premium | $295 |
| Safeco | $71 |
| Utica National Ins Group | $626 |
| Kemper Personal Insurance | $82 |
| NatGen Custom 360 | $132 |
| American National P | $381 |
| American National P&C | $305 |
| Concord Group | $563 |
Cost of Ford F150 Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,804 | $11,490 | $13,458 |
| 18 | $7,320 | $10,694 | $12,553 |
| 19 | $6,453 | $9,499 | $11,057 |
| 20 | $5,641 | $8,311 | $9,707 |
| 21 | $4,709 | $6,907 | $8,121 |
| 22 | $4,567 | $6,805 | $7,928 |
| 23 | $4,040 | $5,872 | $6,948 |
| 24 | $3,803 | $5,583 | $6,547 |
| 25 | $3,342 | $4,834 | $5,681 |
| 30 | $2,525 | $3,767 | $4,436 |
| 35 | $2,390 | $3,530 | $4,094 |
| 40 | $2,353 | $3,376 | $3,986 |
| 45 | $2,258 | $3,262 | $3,907 |
| 55 | $2,022 | $3,054 | $3,518 |
| 65 | $2,206 | $3,202 | $3,668 |
| 75 | $2,769 | $4,005 | $4,703 |
Ford F150 Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,477 | $3,524 | $4,561 |
| Alaska | $2,017 | $2,835 | $2,690 |
| Arizona | $2,307 | $3,295 | $4,911 |
| Arkansas | $2,564 | $3,970 | $4,375 |
| California | $2,797 | $5,006 | $2,770 |
| Colorado | $2,595 | $3,709 | $4,620 |
| Connecticut | $3,367 | $5,167 | $6,583 |
| Delaware | $2,765 | $3,701 | $4,688 |
| Florida | $3,318 | $4,575 | $5,909 |
| Georgia | $2,644 | $3,975 | $4,075 |
| Hawaii | $1,078 | $1,428 | $1,085 |
| Idaho | $1,836 | $2,482 | $3,017 |
| Illinois | $1,909 | $2,995 | $3,351 |
| Indiana | $1,967 | $3,091 | $3,406 |
| Iowa | $1,547 | $2,195 | $2,550 |
| Kansas | $2,111 | $3,076 | $3,557 |
| Kentucky | $3,020 | $4,450 | $5,251 |
| Louisiana | $3,879 | $5,895 | $6,411 |
| Maine | $1,459 | $2,014 | $2,997 |
| Maryland | $2,435 | $3,487 | $3,854 |
| Massachusetts | $1,903 | $3,394 | $1,964 |
| Michigan | $4,680 | $7,039 | $11,154 |
| Minnesota | $1,906 | $2,510 | $3,604 |
| Mississippi | $2,312 | $3,308 | $3,311 |
| Missouri | $2,203 | $3,076 | $4,109 |
| Montana | $2,207 | $3,120 | $3,630 |
| Nebraska | $1,892 | $2,768 | $3,022 |
| Nevada | $3,111 | $4,604 | $4,875 |
| New Hampshire | $2,135 | $3,399 | $4,330 |
| New Jersey | $2,402 | $3,656 | $4,826 |
| New Mexico | $2,401 | $3,592 | $3,705 |
| New York | $2,205 | $2,857 | $4,674 |
| North Carolina | $1,371 | $2,402 | $1,653 |
| North Dakota | $1,857 | $2,874 | $3,413 |
| Ohio | $1,645 | $2,590 | $2,629 |
| Oklahoma | $2,652 | $3,876 | $4,365 |
| Oregon | $2,487 | $3,278 | $3,916 |
| Pennsylvania | $2,073 | $3,072 | $3,540 |
| Rhode Island | $3,411 | $5,025 | $5,700 |
| South Carolina | $2,344 | $3,259 | $4,498 |
| South Dakota | $2,150 | $3,011 | $3,499 |
| Tennessee | $2,474 | $3,638 | $4,816 |
| Texas | $2,485 | $3,624 | $4,438 |
| Utah | $2,082 | $2,981 | $4,112 |
| Vermont | $1,665 | $2,467 | $2,613 |
| Virginia | $1,504 | $2,368 | $2,318 |
| Washington | $2,069 | $2,745 | $3,322 |
| West Virginia | $2,022 | $2,967 | $3,706 |
| Wisconsin | $2,031 | $3,205 | $3,583 |
| Wyoming | $1,884 | $2,684 | $2,844 |
Compare Ford F150 To Other Ford Models
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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