Ford F-150 Insurance
Average insurance costs for the Ford F-150 (2024-2026). Compare rates from 8+ top insurers and find the best coverage.
Full Coverage
$183/mo
Liability Only
$75/mo
Safety Rating
5★/5
Average Ford F-150 Insurance Rates
| Coverage Type | Monthly | Annual |
|---|---|---|
| Liability Only | $75 | $900 |
| Full Coverage | $183 | $2,200 |
Based on a 35-year-old driver with clean record and good credit. Rates vary by state, age, and driving history.
Ford F-150 Insurance Rates by Age
| Driver Age | Monthly Rate | Annual Rate |
|---|---|---|
| 18–25 | $247 | $2,964 |
| 26–35 | $183 | $2,196 |
| 36–55 | $162 | $1,944 |
| 55+ | $175 | $2,100 |
What Affects Your Ford F-150 Insurance Rate
- Vehicle Class: Full-Size Pickup
- Safety Rating: 5★ NHTSA, TSP IIHS
- Theft Risk: moderate
- Model Years: 2024-2026
Ford F-150 Safety Features
✓Automatic Emergency Braking
✓Lane Keeping Assist
✓Blind Spot Monitoring
✓Rear Cross Traffic Alert
✓Pre-Collision Assist
Available Discounts for Ford F-150
- %Multi-vehicle discount
- %Good driver discount
- %Ford owner loyalty
- %Paperless billing
- %Pay-in-full discount
Ford F-150 Theft Risk
Risk Level:Moderate(12,952 stolen in 2024)
F-150 is frequently targeted for tailgate theft. Models with immobilizers have lower risk.
Frequently Asked Questions
How much is insurance for a Ford F-150?▼
The average cost of Ford F-150 insurance is $183/month ($2,200/year) for full coverage. Liability-only coverage averages $75/month ($900/year). Rates vary by state, driver age, and coverage level.
Is the Ford F-150 expensive to insure?▼
The Ford F-150 is moderately priced to insure compared to other full-size trucks. Its high safety rating helps offset repair costs. Average rates are slightly below the national average for trucks.
What coverage do I need for a Ford F-150?▼
We recommend full coverage (100/300/100) for Ford F-150 owners, especially if you have a loan or lease. Comprehensive and collision coverage protects your investment in this popular truck.
How can I lower my Ford F-150 insurance?▼
Bundle with home insurance, maintain a clean driving record, use Ford's telematics programs, choose a higher deductible, and ask about loyalty discounts if you're a repeat Ford owner.
Does the Ford F-150 have high theft rates?▼
The F-150 has moderate theft risk, primarily targeting tailgates and parts. Newer models with immobilizers and Ford's security system have lower theft rates.
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