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What does it cost to insure my Ford F-150?
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Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.Â
Last updated: February 26th, 2024
The cost of car insurance for a Ford F-150 is slightly higher than the average car insurance cost for all vehicles. This could be because the F-150 is a popular and often more expensive truck to repair or replace. Newer models might have even higher insurance costs because they are worth more and may have more expensive parts. The trim level of the F-150 can also affect insurance rates, with higher trim levels typically costing more to insure due to their increased value and features. For example, the F-150 XL, which is the base model without many fancy features, may be less expensive to insure compared to higher trim levels with more luxury features.
Trim | Annual Premium |
---|---|
F-150 XL | 2,197 |
F-150 King Ranch | 2,356 |
F-150 Limited | 2,315 |
F-150 Lariat | 2,461 |
F-150 Platinum | 2,479 |
F-150 Raptor | 2,612 |
F-150 XLT | 2,143 |
F-150 Lightning Lariat | 3,057 |
F-150 Lightning Platinum | 3,119 |
F-150 Lightning Pro | 3,017 |
F-150 Lightning XLT | 3,037 |
The model year of your Ford F-150 will also impact the cost of car insurance. Generally, newer models cost more to insure than older models. A 2023 F-150 XL costs about $2,197 to insure on average, so you can expect older model years to be less expensive. The table below shows the average cost to insure different F-150 XL model years in 2024.Â
Year | Annual Premium |
---|---|
2024 | 2,174 |
2023 | 2,197 |
2022 | 2,020 |
2021 | 1,981 |
2020 | 2,062 |
2019 | 2,046 |
2018 | 1,892 |
2017 | 1,767 |
2016 | 1,713 |
2015 | 1,708 |
2014 | 1,683 |
Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.Â
The table below shows an average of how much it costs to insure a 2023 base model Ford F-150 at popular insurance companies for a single 35-year-old male with a clean driving record. The listed companies provide coverage in a large portion of the US, but might not be available near you.
Click here to see what it would cost to insure your Ford F-150 at top providers near you >
Carrier | Annual Premium |
---|---|
Progressive | 1,508 |
USAA | 1,525 |
Nationwide | 1,577 |
Auto-Owners Insurance | 1,647 |
Geico | 1,780 |
Travelers | 1,889 |
State Farm | 1,971 |
Farmers | 2,556 |
Allstate | 2,808 |
Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.Â
Competitor | Annual Premium |
---|---|
Ford F-150 | 2,197 |
Chevrolet Silverado 1500 | 2,428 |
Ram Pickup 1500 | 2,296 |
GMC Sierra 1500 | 2,150 |
Toyota Tacoma | 2,111 |
Toyota Tundra | 2,209 |
Chevrolet Colorado | 2,142 |
Ford Ranger | 2,181 |
Jeep Gladiator | 2,018 |
Nissan Frontier | 2,156 |
Competitor | Annual Premium |
---|---|
Ford F-150 | 2,197 |
Chevrolet Silverado 1500 | 2,428 |
Ram Pickup 1500 | 2,296 |
GMC Sierra 1500 | 2,150 |
Toyota Tacoma | 2,111 |
Toyota Tundra | 2,209 |
Chevrolet Colorado | 2,142 |
Ford Ranger | 2,181 |
Jeep Gladiator | 2,018 |
Nissan Frontier | 2,156 |
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While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Because of this, the best way to save money on car insurance is to compare personalized rates from several insurance companies to find the cheapest premium for you. You should also see if you qualify for any discounts like a homeowner, multi-vehicle, or good driver discount.
Your Ford F-150 may also be eligible for discounts at certain insurance companies depending on the safety ratings and features that come with your model year and trim level.
Personalized rate estimates at the top insurance companies in your state
Your rates will vary based on where you live, your age, and other factors like your driving record
Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.Â
For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.
These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.Â
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