Ford F150 Car Insurance Cost 2025
The average cost to insure a Ford F150 is $2,331 annually. However, your actual rate may differ depending on factors like your age, the car’s model year, and other variables. Check out our quote tables below for a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
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. On average, insurance for a Ford F150 cost $2,331 per year.
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?
Ford F150 owners usually find car insurance averaging around $2,331 per year.
It’s important to note that car insurance costs can vary widely due to several key factors. These include your location, driving history, the model year of your vehicle, and the coverage options you choose. Keeping a clean driving record can help lower your premiums, while a history of accidents or traffic violations may lead to higher costs.
Additionally, living in a densely populated area with heavy traffic often results in higher insurance rates compared to rural regions with less congestion. The type of coverage you select also plays a significant role in determining your premium—comprehensive coverage, which includes both comprehensive and collision, typically costs more than minimum liability coverage.
As shown in the table below, the insurance cost for a Ford F150 tends to be lower than the average for all Ford models. However, it is still cheaper than the average cost for all cars.
Insuranceopedia can help you compare quotes from various auto insurance providers, ensuring you find the best deal that suits your needs.
| Vehicle | Average Monthly Premium |
| Ford F150 | $136 |
| All Fords | $186 |
| All Cars | $175 |
Average Insurance Cost Of Ford F150 By Model Year
| Model Year | Average Premium |
| 2024 Ford F150 | $1,145 |
| 2023 Ford F150 | $758 |
| 2022 Ford F150 | $647 |
| 2021 Ford F150 | $640 |
| 2020 Ford F150 | $641 |
| 2019 Ford F150 | $542 |
| 2018 Ford F150 | $449 |
| 2017 Ford F150 | $514 |
| 2016 Ford F150 | $543 |
| 2015 Ford F150 | $623 |
| 2014 Ford F150 | $569 |
| 2013 Ford F150 | $352 |
| 2012 Ford F150 | $467 |
| 2011 Ford F150 | $406 |
| 2010 Ford F150 | $314 |
2024 Ford F150 Insurance Rates
The average annual insurance cost for a 2024 Ford F150 is $1,145. However, Wolverine Mutual offers the cheapest rates, averaging $659 per year.
| 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
The average annual insurance cost for a 2023 Ford F150 is $758. However, Jupiter Auto Insurance offers the cheapest rates, averaging $105 per year.
| 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 | $105 |
| Country | $798 |
| Capital Insurance Group | $761 |
| New Jersey Manufacturers | $1,077 |
2022 Ford F150 Insurance Rates
The average annual insurance cost for a 2022 Ford F150 is $647. However, Safeco offers the cheapest rates, averaging $313 per year.
| 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
The average annual insurance cost for a 2021 Ford F150 is $640. However, Jupiter Auto Insurance offers the cheapest rates, averaging $270 per year.
| 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 | $270 |
| American National P | $799 |
| Titan | $842 |
| Pure Companies Grp | $802 |
2020 Ford F150 Insurance Rates
The average annual insurance cost for a 2020 Ford F150 is $641. However, Safeco offers the cheapest rates, averaging $261 per year.
| 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
The average annual insurance cost for a 2019 Ford F150 is $542. However, Safeco offers the cheapest rates, averaging $216 per year.
| 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
The average annual insurance cost for a 2018 Ford F150 is $449. However, Dairyland Auto offers the cheapest rates, averaging $198 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $310 |
| Infinity Special | $773 |
| American National P | $474 |
| Buckeye Insurance Group | $668 |
| Safeco | $445 |
| AssuranceAmerica Mobile Max | $216 |
| NatGen Custom 360 | $622 |
| Dairyland Auto | $198 |
| Dairyland FR Bond | $212 |
| PEMCO | $851 |
2017 Ford F150 Insurance Rates
The average annual insurance cost for a 2017 Ford F150 is $514. However, NatGen Custom 360 offers the cheapest rates, averaging $127 per year.
| 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
The average annual insurance cost for a 2016 Ford F150 is $543. However, Safeco offers the cheapest rates, averaging $164 per year.
| 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
The average annual insurance cost for a 2015 Ford F150 is $623. However, Safeco offers the cheapest rates, averaging $171 per year.
| 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
The average annual insurance cost for a 2014 Ford F150 is $569. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $240 per year.
| 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
The average annual insurance cost for a 2013 Ford F150 is $352. However, Kemper Personal Insurance offers the cheapest rates, averaging $71 per year.
| 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
The average annual insurance cost for a 2012 Ford F150 is $467. However, Safeco offers the cheapest rates, averaging $97 per year.
| 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
The average annual insurance cost for a 2011 Ford F150 is $406. However, Kemper Personal Insurance offers the cheapest rates, averaging $109 per year.
| 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
The average annual insurance cost for a 2010 Ford F150 is $314. However, Safeco offers the cheapest rates, averaging $71 per year.
| 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 |
Find Affordable Ford F150 Insurance Rates
Is A Ford F150 Expensive To Insure?
The cost to insure a Ford F150 is lower than the average for all cars. However, the exact amount you’ll pay for insurance depends on several factors, including your age, the age of your vehicle, your location, and other variables.
Cost of Ford F150 Car Insurance By Age
Age greatly influences insurance rates for any vehicle. Teen drivers usually face the highest premiums, as statistics show they are more likely to get into car accidents compared to other age groups. As you get older, your premiums typically decrease, as you become considered a lower insurance risk.
| 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
Where you live has a significant impact on how insurance companies determine rates. Each state sets its own regulations for auto insurance; for example, drivers in Michigan often pay higher premiums because the state requires more extensive coverage. Additionally, local climate plays a role—some areas face extreme weather conditions like hurricanes, storms, and flooding.
Furthermore, every location has its own statistics on crime and auto accidents, including rates of theft, crashes, and vehicle-related fatalities. Insurance companies take all of these factors into account when calculating your specific Ford F150 insurance rate.
| 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 |
Find Affordable Ford F150 Insurance Rates
Cheapest Car Insurance Companies For A Ford F150
If you’re in the market for a new car insurance policy for your Ford F150, you may want to know which insurance companies offer the most affordable options. For those simply seeking the lowest-cost policy, Ohio Mutual provides a premium of $14 per month, making them the cheapest option for insuring a Ford F150. However, rates can vary based on your individual driver profile, so this rate is just an average. To secure the best rates for your specific needs, it’s best to shop around and compare quotes.
| Company | Average Monthly Rate |
| Ohio Mutual | $20 |
| Verti | $44 |
| AssuranceAmerica | $36 |
| Hugo | $54 |
| MetroMile | $46 |
Common Ford F150 Insurance Discounts
Discounts can be a great way to reduce your car insurance costs. Most auto insurance providers offer various discounts, but here are some common ones you may be eligible for:
- Multi-policy: By bundling your home and auto insurance policies with the same provider, you can often receive a discounted rate.
- Pay annually: This applies to those who choose to pay their premium in full upfront, rather than spreading the payments across monthly installments.
- Defensive driving: Completing defensive driving courses through a certified institution can make you eligible for discounted rates.
There are other discounts available, so it’s worth speaking with your insurance agent. They can help you identify the ones you qualify for and guide you in applying for them.
Ways To Save On Ford F150 Insurance Costs
Keeping a clean driving record is one of the most effective ways to keep your Ford F150 insurance costs low. Speeding tickets or involvement in accidents can lead to higher premiums. For example, drivers with a single ticket can expect to pay around $76 per month, while those with multiple accidents will face an average cost of $140 per month. By avoiding these incidents, you can maintain lower insurance rates.
Additionally, drivers with low annual mileage typically pay less for Ford F150 insurance. Since they spend less time on the road, their risk of accidents is lower, making them more favorable to insurers. For drivers who travel between 5,000 and 7,500 miles per year, insurance costs average around $74 per month. In contrast, those driving over 10,000 miles annually will pay approximately $80 per month.
Compare Ford F150 To Other Ford Models
Looking for other Ford model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance, with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, the figures provided in this guide may vary based on your unique situation.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Ford F150?
Yes, you’ll need to provide proof of insurance before driving your Ford F150 off the dealership lot. The best approach is to purchase a policy first and then inform your insurance company that you’re about to buy the vehicle, rather than opting for insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Ford F150?
The best way to find the most affordable rates for your Ford F150 is by shopping around and comparing quotes from different auto insurance companies. Luckily, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website.
