Key Takeaways
The Ford F-150 is a full-size pick-up truck known for its remarkable towing capacity, powerful engine options, and wide range of configurations. But how much cheaper could the Ford F-150 car insurance rates get? For that, you may need to know more about the cheapest providers for your truck. The wrong choice could lead to gaps in coverage or higher premiums on your Ford F-150 car insurance cost that may put your finances at risk.
The average cost to insure a Ford F-150 is around $972 per year. You can lower your F-150 insurance cost by choosing the right insurance provider. Shopping around and comparing options can help you find the best deal for your coverage needs. With Way.com, getting a free quote is quick and hassle-free. You can compare multiple vetted providers in minutes and secure the best rate for your F-150.
The insurance cost for the Ford F-150 is much lower compared to other full-size pick-up trucks on the market. This is mainly due to the high sale volume of the model and availability of parts, which contributes to lower repair costs that lead to lower insurance premiums.
| Pick-up Trucks | Average Annual Premium |
|---|---|
| Chevrolet Colorado | $957 |
| Ford F-150 | $972 |
| GMC Sierra | $981 |
| Nissan Frontier | $986 |
| GMC Canyon | $991 |
| Toyota Tacoma | $1,007 |
| Chevrolet Silverado | $1,013 |
| Honda Ridgeline | $1,264 |
| Nissan Titan | $1,329 |
| Toyota Tundra | $1,344 |
Several factors can impact your Ford F-150 car insurance cost. Some of the common factors are:
Older Ford F-150 models usually have lower insurance costs since newer versions come with more advanced features and technology. The average yearly insurance for a 2018 F-150 is $690. However, some older models might be more expensive to insure due to higher repair and maintenance costs.
| Model Year | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| 2018 Ford F-150 | $58 | $690 |
| 2017 Ford F-150 | $60 | $720 |
| 2016 Ford F-150 | $57 | $678 |
| 2015 Ford F-150 | $56 | $672 |
| 2014 Ford F-150 | $50 | $605 |
| 2013 Ford F-150 | $47 | $568 |
| 2012 Ford F-150 | $45 | $542 |
| 2011 Ford F-150 | $45 | $538 |
According to our research, Plymouth Rock Insurance provides the most affordable Ford F-150 car insurance rates, with an annual premium of $624. Progressive, State Farm, and Erie also offer competitive rates. However, the lowest price doesn't always mean the best value. It's essential to compare coverage options carefully and ensure the policy includes all the features you need.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Plymouth Rock Insurance | $52 | $624 |
| Progressive | $53 | $636 |
| State Farm | $54 | $648 |
| Erie | $57 | $684 |
| Texas Farm Bureau | $63 | $756 |
State Farm offers the most competitive insurance rates for the 2018 Ford F-150 at just $528 per annum. Otherwise, it costs around $690 per year to insure a 2018 model on average.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| State Farm | $44 | $528 |
| Progressive | $46 | $552 |
| USAA | $51 | $612 |
| Erie | $53 | $636 |
| Nationwide | $62 | $744 |
| American Family | $67 | $804 |
| Safeco | $69 | $828 |
| Acuity | $73 | $876 |
| Country | $75 | $900 |
| Vermont Mutual | $76 | $912 |
| Tennessee Farmers | $81 | $972 |
For a 2017 Ford F-150, Progressive offers the best insurance value at $540 per year. This is highly profitable compared to the general market trend, which is $720 yearly on average.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Progressive | $45 | $540 |
| State Farm | $45 | $540 |
| Erie | $49 | $588 |
| USAA | $51 | $612 |
| Texas Farm Bureau | $58 | $696 |
| Nationwide | $64 | $768 |
| American Family | $66 | $792 |
| Country | $67 | $804 |
| Safeco | $70 | $840 |
| Tennessee Farmers | $71 | $852 |
| Acuity | $73 | $876 |
While the average annual premium for a 2016 Ford F-150 is $678, Texas Farm Bureau stands out by offering the cheapest rates at $792 per year.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Texas Farm Bureau | $66 | $792 |
| Vermont Mutual | $82 | $984 |
| Erie | $86 | $1,032 |
| USAA | $96 | $1,152 |
| American Family | $102 | $1,224 |
| State Farm | $105 | $1,260 |
| Nationwide | $106 | $1,272 |
| 21st Century | $107 | $1,284 |
| Tennessee Farmers | $108 | $1,296 |
| Country | $108 | $1,296 |
| Auto Owners | $109 | $1,308 |
Offering an annual premium of $468, State Farm offers the cheapest insurance rates for the 2015 Ford F-150, which is around $200 less than the general average of $672 per year.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| State Farm | $39 | $468 |
| Erie | $42 | $504 |
| Progressive | $44 | $528 |
| USAA | $47 | $564 |
| Texas Farm Bureau | $59 | $708 |
| American Family | $62 | $744 |
| Tennessee Farmers | $63 | $756 |
| Nationwide | $65 | $780 |
| Country | $67 | $804 |
| Safeco | $68 | $816 |
| Vermont Mutual | $73 | $876 |
It is highly profitable to opt for State Farm as the insurance provider for the 2014 Ford F-150. The annual premium is just $408, which is less than the average annual rate of $605.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| State Farm | $34 | $408 |
| Erie | $39 | $468 |
| Progressive | $44 | $528 |
| USAA | $46 | $552 |
| Tennessee Farmers | $47 | $564 |
| Vermont Mutual | $51 | $612 |
| Country | $52 | $624 |
| Nationwide | $55 | $660 |
| American Family | $58 | $696 |
| Acuity | $60 | $720 |
| Grange Insurance | $66 | $792 |
The insurance for a 2013 Ford F-150 costs around $568 per annum on average. With State Farm, you can expect to pay a lower premium of just $372 per year.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| State Farm | $31 | $372 |
| Erie | $37 | $444 |
| Texas Farm Bureau | $37 | $444 |
| Progressive | $43 | $516 |
| Tennessee Farmers | $43 | $516 |
| USAA | $43 | $516 |
| Vermont Mutual | $47 | $564 |
| Country | $48 | $576 |
| Nationwide | $49 | $588 |
| American Family | $52 | $624 |
| Acuity | $52 | $624 |
You may have to pay around $542 to insure a 2012 Ford F-150 on average. Nevertheless, State Farm provides the cheapest rates at just $348 per annum.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| State Farm | $29 | $348 |
| Erie | $35 | $420 |
| Progressive | $40 | $480 |
| Tennessee Farmers | $41 | $492 |
| USAA | $41 | $492 |
| Vermont Mutual | $43 | $516 |
| Country | $46 | $552 |
| Nationwide | $47 | $564 |
| Acuity | $51 | $612 |
| American Family | $52 | $624 |
| Grange Insurance | $58 | $696 |
It costs around $538 per year to insure a 2011 Ford F-150 on average. State Farm offers the cheapest rates at just $348 per annum.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| State Farm | $29 | $348 |
| Erie | $35 | $420 |
| Texas Farm Bureau | $39 | $468 |
| Progressive | $39 | $468 |
| USAA | $40 | $480 |
| Tennessee Farmers | $41 | $492 |
| Vermont Mutual | $41 | $492 |
| Country | $44 | $528 |
| Nationwide | $46 | $552 |
| American Family | $54 | $648 |
| Acuity | $57 | $684 |
Your Ford F-150 car insurance cost will be affected by how well your car did in crash tests. Ford F-150 has satisfactory crash test ratings over the different model years.
| Vehicle Model | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2018 Ford F-150
Super Crew |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2018 Ford F-150
Super Cab |
4 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2017 Ford F-150
Crew Cab |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2017 Ford F-150
Super Cab |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2017 Ford F-150
Regular Cab |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2016 Ford F-150
Super Crew |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2016 Ford F-150
Super Cab |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2016 Ford F-150
Regular Cab |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2015 Ford F-150
Super Crew |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2015 Ford F-150
Super Cab |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2015 Ford F-150
Regular Cab |
5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2014 Ford F-150
Super Crew |
4 Stars | 3 Stars | 5 Stars | 3 Stars |
| 2014 Ford F-150
Super Cab |
4 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2014 Ford F-150
Regular Cab |
4 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2013 Ford F-150
Super Crew |
4 Stars | 3 Stars | 5 Stars | 3 Stars |
| 2013 Ford F-150
Super Cab |
4 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2013 Ford F-150
Regular Cab |
4 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2012 Ford F-150
Super Crew |
4 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2012 Ford F-150
Super Cab |
4 Stars | 4 Stars | 5 Stars | 3 Stars |
| 2012 Ford F-150
Regular Cab |
4 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2011 Ford F-150
Super Crew |
4 Stars | 3 Stars | 5 Stars | 4 Stars |
| 2011 Ford F-150
Super Cab |
4 Stars | 3 Stars | 5 Stars | 4 Stars |
| 2011 Ford F-150
Regular Cab |
4 Stars | 3 Stars | 5 Stars | 4 Stars |
The F-150 comes with a range of safety features, which can help reduce your Ford F-150 car insurance costs.
Some of the installed features include:
The Ford F-150 has good safety ratings, which makes it cheaper to insure. The overall good ratings indicate a lower risk of injury, damage, and repair costs. Insurance companies often consider the safety ratings while determining the premium rates for a car model. Therefore, safety ratings play a key role in lowering Ford F-150 car insurance cost.
| Category | IIHS Rating |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights | Poor |
Simply download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 140 different insurance providers on our platform, which lets you choose the best policy that may help you lower your Ford F-150 car insurance cost.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Ford F-150 car insurance cost typically falls around $972 per year, depending on factors like the driver's age, location, driving history, and coverage level.
No, the insurance cost for a Ford F-150 is generally cheaper compared to other vehicles in its class. This is mainly due to its strong safety ratings, advanced safety features, and lower repair costs.
Full coverage is recommended if your F-150 is new, leased, or financed. If your car is older and fully paid off, liability coverage may be enough, depending on your financial situation and coverage needs.
Yes, the Ford F-150's high safety ratings and standard safety features can qualify you for discounts and help reduce your premiums.
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