The annual cost of full coverage insurance for a Ford F-150 ranges from $992 to $5,535. Rates vary based on the truck's model year, driver age, parking location, driving history, coverage level and insurer. This article breaks down Ford F-150 insurance costs, highlighting the best companies and cheapest insurers.
Ford F-150 Insurance Cost
Updated: February 18, 2025
Key Takeaways
State Farm has the most affordable minimum coverage across all Ford F-150 model years at $488 annually.
The average annual insurance cost for the Ford F-150 is $609 for minimum coverage and $1,271 for full coverage.
MoneyGeek analyzed 4,183 quotes for the Ford F-150 from Quadrant Information Services.
Ford F-150 Insurance Rates
What Is the Average Ford F-150 Car Insurance Cost?
The average full coverage insurance cost for a Ford F-150 is $106 per month or $1,271 per year, based on a 40-year-old male driver with a clean record. Minimum coverage averages $51 monthly or $609 annually.
| Minimum Coverage | $609 |
| Full Coverage | $1,271 |
Ford F-150 Insurance Costs by Company
Ford F-150 insurance costs range from $1,019 to $2,013 per year, varying by age, model year and coverage level. The table below compares average Ford F-150 insurance rates from national and mid-sized providers with the average rates for all vehicles from the same insurers.
| Allstate | $1,377 | $1,814 | -24% |
| Auto-Owners | $1,061 | $1,228 | -14% |
| Farmers | $1,543 | $1,959 | -21% |
| GEICO | $1,105 | $1,334 | -17% |
| Kemper | $2,013 | $2,212 | -9% |
| Nationwide | $1,328 | $1,590 | -16% |
| Progressive | $1,475 | $1,745 | -15% |
| State Farm | $1,056 | $1,271 | -17% |
| Travelers | $1,191 | $1,524 | -22% |
| USAA | $1,019 | $1,201 | -15% |
Read more: Best Car Insurance Companies
Cost of Insuring a Ford F-150 by Model Year
The year your Ford F-150 was produced can impact your insurance rates, with older models typically costing less to insure. For instance, a 2022 model has a full coverage rate of $1,407, while a 2009 model averages $1,142. Below are the average full and minimum coverage rates for each Ford F-150 production year.
| 2022 | $610 | $1,407 |
| 2021 | $608 | $1,397 |
| 2020 | $590 | $1,379 |
| 2019 | $619 | $1,366 |
| 2018 | $623 | $1,346 |
| 2017 | $602 | $1,328 |
| 2016 | $629 | $1,309 |
| 2015 | $631 | $1,291 |
| 2014 | $609 | $1,254 |
| 2013 | $634 | $1,216 |
| 2012 | $634 | $1,178 |
| 2011 | $612 | $1,166 |
| 2010 | $638 | $1,154 |
| 2009 | $637 | $1,142 |
Ford F-150 Insurance Costs by Driver Age
Ford F-150 insurance rates vary greatly by age. For example, a 40-year-old pays about $1,281 annually for full coverage, while a 16-year-old might pay around $5,535. Below are the average minimum and full coverage rates for Ford F-150 drivers across age ranges.
| 16 | $2,858 | $5,535 |
| 17 | $2,321 | $4,509 |
| 18 | $2,023 | $3,967 |
| 19 | $1,439 | $2,826 |
| 20 | $1,291 | $2,569 |
| 21 | $1,023 | $2,077 |
| 22 | $932 | $1,908 |
| 23 | $864 | $1,782 |
| 24 | $819 | $1,696 |
| 25 | $727 | $1,516 |
| 26 | $708 | $1,471 |
| 27 | $691 | $1,438 |
| 28 | $679 | $1,416 |
| 29 | $669 | $1,397 |
| 30 | $645 | $1,347 |
| 35 | $627 | $1,305 |
| 40 | $620 | $1,281 |
| 45 | $614 | $1,265 |
| 50 | $599 | $1,227 |
| 55 | $584 | $1,195 |
| 60 | $585 | $1,191 |
| 65 | $621 | $1,242 |
| 70 | $676 | $1,330 |
| 75 | $751 | $1,457 |
| 80 | $852 | $1,621 |
| 85 | $922 | $1,737 |
| 90 | $973 | $1,818 |
Ford F-150 Insurance Rates Explained
Several factors related to your car can affect your insurance rates, including the make, model, age, safety features, repair costs and theft rates. Insurers evaluate them to determine the risk and cost of insuring your vehicle.
Ford F-150 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Ford F-150
Average Full Coverage Rate
$1,271Premiums for Ford F-150 are cheap:$25 saved
This is 2% less expensive.
Value
The Ford F-150's MSRP of $84,495 classifies it as a pickup truck. Higher-priced vehicles typically result in higher premiums due to the increased cost of repairs or replacement.
Repair costs
The Ford F-150's annual repair cost is $788, below the national average. Part replacement difficulty and labor costs can affect insurance costs.
Performance
The Ford F-150's 0 to 60 time of 5.3 seconds and horsepower range of 325 to 400 suggest moderate performance, which typically results in lower insurance costs than high-performance vehicles.
Vehicle age
Newer Ford F-150 models are typically more expensive to insure than older ones. However, collector and classic vehicles can be costly to insure.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Ford F-150 for insurance discounts.
Vehicle size
Larger vehicles like the Ford F-150, with a curb weight of 5,710 lbs, may cost more to insure due to potential property damage.
Trim level
Higher trim levels of the Ford F-150, such as the King Ranch or Platinium, often have premium upgrades, leading to higher insurance costs than the base model.
Theft rates
Vehicles at higher risk of theft, like the Ford F-150, which has a theft rate of 36, may have increased insurance costs.
Anti-theft features
Anti-theft features in the Ford F-150 can qualify for lower insurance premiums or discounts.
Cheapest Ford F-150 Insurance
State Farm offers the most affordable Ford F-150 insurance at $488 per year for minimum coverage, based on a 40-year-old male driver with a clean driving record. Below is a breakdown of the cheapest Ford F-150 insurance options across coverage levels, age groups, driving records, model years and more.
Cheapest Ford F-150 Insurance by Coverage Level
The coverage level you select greatly influences your Ford F-150 insurance rate. State Farm is the most affordable option for minimum and full coverage plans. Below is a breakdown of the cheapest providers for each coverage type.
Cheapest Ford F-150 Minimum Coverage
State Farm offers the cheapest minimum coverage for a Ford F-150 at $41 per month. GEICO follows closely at $42, with Travelers at $49 and Allstate at $55.
| USAA | $36 | $431 |
| State Farm | $41 | $488 |
| GEICO | $42 | $500 |
| Travelers | $49 | $584 |
| Allstate | $55 | $654 |
| Progressive | $57 | $688 |
| Nationwide | $58 | $695 |
| Farmers | $59 | $706 |
*State Farm offers the lowest average minimum coverage insurance rate for non-military-affiliated Ford F-150 owners. USAA is the most affordable option for military-affiliated drivers.
Best Ford F-150 Insurance Rates by Model Year
The above list doesn't account for the Ford F-150's production year, which can lead to lower rates depending on your vehicle's age. Use the table below to find each production year's cheapest minimum coverage rates.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $691 | $58 |
| Farmers | $722 | $60 |
| GEICO | $543 | $45 |
| Nationwide | $694 | $58 |
| Progressive | $721 | $60 |
| State Farm | $460 | $38 |
| Travelers | $667 | $56 |
| USAA | $447 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Ford F-150 Insurance
State Farm offers the cheapest full coverage for a Ford F-150 at $1,028 annually or $86 monthly. Below is a complete list of full coverage car insurance providers and rates for the F-150.
| USAA | $83 | $992 |
| State Farm | $86 | $1,028 |
| GEICO | $90 | $1,082 |
| Travelers | $99 | $1,183 |
| Nationwide | $105 | $1,266 |
| Allstate | $110 | $1,323 |
| Progressive | $118 | $1,415 |
| Farmers | $121 | $1,449 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Ford F-150 owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Ford F-150 Insurance by Age
Drivers aged 16 to 25 and those 55 and up often pay more for Ford F-150 insurance. Below is a breakdown of the cheapest Ford F-150 insurance options by age.
Cheapest Ford F-150 Insurance for Young Drivers
State Farm offers the cheapest insurance for young drivers, with rates as low as $89 monthly and $1,072 yearly for minimum coverage. Below is a table showing the complete list of affordable options for young Ford F-150 drivers.
| USAA | $75 | $895 |
| State Farm | $89 | $1,072 |
| GEICO | $100 | $1,202 |
| Travelers | $103 | $1,238 |
| Allstate | $128 | $1,530 |
| Nationwide | $154 | $1,844 |
| Farmers | $161 | $1,932 |
| Progressive | $161 | $1,936 |
*State Farm is the cheapest insurer for young, non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ford F-150 Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $537 annually or $45 monthly. See the full list of cheap Ford F-150 insurers below.
| State Farm | $45 | $537 |
| USAA | $48 | $574 |
| GEICO | $50 | $600 |
| Travelers | $59 | $709 |
| Allstate | $67 | $802 |
| Nationwide | $68 | $816 |
| Progressive | $74 | $884 |
| Farmers | $79 | $945 |
Cheapest Ford F-150 Insurance After an Accident
For Ford F-150 drivers, State Farm, GEICO and Travelers are the most affordable car insurance choices after an accident. Explore the complete list of the cheapest providers below.
| State Farm | $51 | $612 |
| USAA | $55 | $658 |
| GEICO | $66 | $789 |
| Travelers | $70 | $838 |
| Allstate | $74 | $890 |
| Nationwide | $90 | $1,076 |
| Progressive | $95 | $1,134 |
| Farmers | $116 | $1,396 |
Ford F-150 Insurance Cost: Bottom Line
Make it a habit to compare rates from different providers to find the cheapest car insurance. This article explores Ford F-150 insurance costs, covering various demographic groups and identifying the most affordable providers.
Ford F-150 Insurance Rates: FAQ
Below are answers to common questions about Ford F-150 insurance costs.
What company has the cheapest car insurance for a Ford F-150 ?
State Farm offers the cheapest car insurance for a Ford F-150, with a minimum coverage rate of $488.
What is the average cost of car insurance for a Ford F-150?
The average cost of minimum coverage for a Ford F-150 is $609 annually, while full coverage typically costs around $1,271.
Ford F-150 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 quotes for a Ford F-150 from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Ford F-150:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Ford F-150 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Ford F-150.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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.