How Much Does It Cost to Insure a Ford F-150?
Last Updated on February 5, 2026
Ford F-150 insurance costs vary widely by driver, ZIP code, model year, trim, and the coverage you choose. As of 2026, published rate analyses generally place full coverage for a late-model F-150 in the mid-$2,000s per year nationally—though your real quote can land far below or well above that depending on your risk profile and location.
To keep this guide practical (and accurate), we’ll focus on verifiable published averages and then show you what actually moves the price for your situation—plus the best ways to lower your premium without accidentally underinsuring your truck.
- Expect A Wide Range: Published averages put late-model F-150 full coverage in the mid-$2,000s per year nationally, but your driver profile and ZIP code can swing costs dramatically.
- Trim And Repairability Matter: Newer model years, higher trims, and tech-heavy trucks often cost more to repair—raising collision and comprehensive premiums.
- Coverage Choices Drive The Bill: Liability limits, deductibles, and add-ons (like rental, roadside, or gap) can move your premium as much as the vehicle itself.
- Saving Usually Means Shopping + Strategy: Compare quotes at renewal, confirm discounts, consider usage-based programs, and right-size comp/collision on older trucks.
Typical Ford F-150 Insurance Costs
Different publishers calculate “average rates” differently (limits, deductibles, driver profile, and model year assumptions vary). Use these as benchmarks—not guarantees.
| Scenario | Coverage Type | Typical Annual Cost | Typical Monthly Cost | Source |
|---|---|---|---|---|
| Ford F-150 (all years, average) | Full Coverage | $2,630 | $219 | Bankrate |
| 2025 Ford F-150 (example late-model) | Full Coverage | $2,759 | $230 | The Zebra |
| Ford F-150 (all years, average) | Minimum Coverage | $823 | $69 | Bankrate |
| All vehicles (national average) | Full Coverage | $2,339 | $195 | NerdWallet (Jan 2026) |
| All vehicles (national average) | Minimum Coverage | $629 | $52 | NerdWallet (Jan 2026) |
Quick tip: When you compare quotes, keep the same liability limits, deductibles, drivers, and mileage on every quote. Otherwise, “cheaper” might just mean “less coverage.”
What Drives Ford F-150 Insurance Rates
Insurers price the F-150 like any other vehicle: they estimate how likely you are to file a claim (frequency) and how expensive that claim might be (severity). Here are the biggest levers that tend to move F-150 premiums.
Trim, Model Year, and Vehicle Value
Higher trims, newer model years, and expensive options usually mean higher claim payouts (and higher premiums), especially for collision and comprehensive. For example, Ford lists the 2025 F-150 starting at $38,810, and prices rise quickly as you move up trims and add packages. (Ford pricing)
Repair Costs and Parts Prices
Large pickups can be expensive to repair after a claim—especially when sensors, cameras, and advanced driver assistance systems are involved. If you’re shopping vehicles specifically for affordability, this guide on cars with low repair costs explains why repairability matters to insurers.
Driver Profile and Claims History
A clean driving record is one of the fastest ways to keep premiums down over time. Accidents and major violations can raise rates at renewal, and multiple incidents can limit your carrier options.
Credit-Based Insurance Score Rules by State
In many states, insurers use credit-based insurance scoring as one underwriting and pricing input—while other states restrict or prohibit it. If you’re wondering how this affects you, start with how credit scores affect car insurance rates, and note that some states have strict limitations (see this overview from Experian). Rules vary by state and can change.
State, City, and ZIP Code Pricing
Local crash frequency, theft rates, litigation costs, medical costs, weather losses, and repair labor rates all affect premiums. If you’re comparing locations, see insurance rates per state. Some states are consistently more expensive than others, and Michigan is a common example—here’s a deeper dive on why car insurance is so expensive in Michigan.
Coverage Choices, Deductibles, and Add-Ons
“Full coverage” isn’t a standardized policy—it usually means you carry liability plus comprehensive and collision. If you’re financing, lenders commonly require comp and collision; the NAIC explains this in its consumer overview of auto insurance coverage. For a plain-English breakdown of what “full coverage” often includes (and what it doesn’t), see liability vs. full coverage.
| Decision | Why It Matters | Common Best Practice |
|---|---|---|
| Liability limits | Higher limits protect you better but cost more | Choose limits you can live with in a serious injury claim |
| Collision & comprehensive deductibles | Lower deductibles raise premiums; higher deductibles lower premiums | Pick a deductible you could pay tomorrow without stress |
| UM/UIM (where available) | Protects you if the other driver has little/no insurance | Consider matching UM/UIM to your liability limits |
| Rental & roadside | Convenience coverages can add cost | Add only if the value beats your out-of-pocket plan |
| Gap insurance (financed vehicles) | Helps if the truck is totaled and you owe more than it’s worth | Consider early in the loan term; drop when equity improves |
How to Get Cheaper Ford F-150 Insurance
Lowering your premium usually comes down to (1) shopping smarter, (2) tightening your risk profile, and (3) choosing coverage intentionally. Here are the most reliable moves.
- Shop at renewal (and after life changes). Rates can change even if nothing else does. Shopping every 6–12 months helps you catch pricing shifts.
- Ask about discounts (and verify they’re applied). Common examples include bundling, safe driver, good student, low mileage, anti-theft, paid-in-full, and paperless. Start with this list of best auto insurance discounts.
- Consider usage-based insurance. If you don’t drive much or you drive conservatively, telematics programs can help (and they’re increasingly common). The NAIC has a consumer overview of telematics.
- Right-size comp/collision on older trucks. If your F-150 is older or low-value, the extra premium for comp/collision may not be worth it—especially with a low deductible.
- Adjust limits thoughtfully. Don’t blindly cut liability limits to save money. If you need to change coverage, do it intentionally and document the reason. Here’s a guide on how and when to change coverage or limits.
Quick tip: If your premium is jumping at renewal, ask your carrier which factor changed (claims, ZIP code loss trends, credit-based insurance score where allowed, vehicle symbols, or discounts expiring). That single answer usually tells you what to fix—or whether it’s time to shop.
Ford F-150 vs. Other Full-Size Trucks
Rates for full-size pickups are often close, but the details matter: trim level, engine, safety tech, repair costs, and theft rates can shift premiums. If you’re cross-shopping, this comparison can help: Is it cheaper to insure a Ford F-150 or a Chevy Silverado?
How to Get the Most Accurate Quote
If you want a quote you can trust, use the exact vehicle details and keep your inputs consistent:
- Use the VIN (not just “F-150 XLT”) so the insurer captures safety features and equipment correctly.
- Set realistic annual mileage and be consistent across quotes.
- Match deductibles and liability limits so you’re comparing apples to apples.
- Disclose usage (personal vs. business, towing, worksite parking). Misstating usage can create claim headaches later.
Methodology and Disclaimers
The benchmark rates in this article come from published third-party analyses (linked above). Your premium will vary based on underwriting rules, state regulations, coverage selections, and your personal driving and insurance history. This article is educational and isn’t legal or financial advice.
