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Key Takeaways
- Insurance for a Ford F-150 costs an average of $972 annually or $81 per month.
- The cheapest insurance provider for the Ford F-150 is Plymouth Rock Insurance at an average of $624 per annum.
- The Ford F-150 car insurance cost is affordable compared to its competitors in the pick-up truck segment.
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.
Ford F-150 Auto Insurance Cost
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.
Are Ford F-150 Models Expensive to Insure?
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 |
What Impacts the Cost of Ford F-150 Car Insurance?
Several factors can impact your Ford F-150 car insurance cost. Some of the common factors are:
- The driver's age
- The driver's gender
- The city you are in
- The age of the car
- Trim level of the car
- The insurance company you choose
Ford F-150 Insurance Cost by Model Year
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 |
Ford F-150 Cheapest Insurance Cost by Company
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 |
Cheapest Insurance Companies Based on Ford F-150 Model Years
2018 Ford F-150
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 |
2017 Ford F-150
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 |
2016 Ford F-150
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 |
2015 Ford F-150
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 |
2014 Ford F-150
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 |
2013 Ford F-150
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 |
2012 Ford F-150
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 |
2011 Ford F-150
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 |
Ford F-150 Crash Test Ratings
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 |
Ford F-150 Safety Features
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:
- Pre-Collision Assist with Automatic Emergency Braking (AEB)
- Lane-Keeping System
- Blind-Spot Information System
- Adaptive Cruise Control
- Rearview Camera
- Airbag Safety Systems
- Advance Trac with Roll Stability Control (RSC)
- 360-Degree Camera System
- Forward Collision Warning
- Trailer Sway Control
- Tire Pressure Monitoring System (TPMS)
- Auto High-Beam Headlamps
Ford F-150 Safety Ratings
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 |
Ways to Save on Ford F-150 Car Insurance
- Keep a clean driving record: Reckless or careless driving can stay on your record, leading to higher insurance premiums, especially if you have at-fault accidents or DUIs.
- Maintain a good credit score: Drivers with strong credit scores can save significantly on Ford F-150 car insurance costs compared to those with lower scores.
- Obey traffic laws: Traffic violations can lead to a noticeable increase in your Ford F-150 insurance rates.
- Take advantage of discounts: Look for common discounts like multi-policy, low mileage, good student, defensive driving, and loyalty discounts to lower your premiums.
- Bundle your insurance policies: Combining your auto and home insurance can help you save even more on your annual costs.
How Do I Find the Best Ford F-150 Car Insurance Rates?
- Always research the market and insurance trends before purchasing car insurance for your Ford F-150. It could be tempting to choose a provider that offers a low rate. However, it's always better to apply for multiple free insurance quotes from as many companies as you can. You can either apply individually or use an insurance platform like Way.com.
- Compare, compare, compare - that should be your mantra when searching for the best policy. Only choose a provider who offers a balance of low rates and comprehensive coverage.
- In only a few minutes, an insurance aggregator like Way.com can help you find the lowest insurance rates you've qualified for with your financial position.
- The cheapest rates don't always mean the best! You can always consider spending a bit more to get comprehensive coverage.
How to Get Ford F-150 Auto Insurance with Way.com
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.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
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
DATA SOURCES
Way.com’s Insurance Broker Quote Data
Frequently Asked Questions (FAQ)
How much does it cost to insure a Ford F-150?
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.
Is the Ford F-150 expensive to insure compared to other full-size pick-up trucks?
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.
Is full coverage insurance necessary for a Ford F-150?
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.
Does F-150's safety rating help lower insurance costs?
Yes, the Ford F-150's high safety ratings and standard safety features can qualify you for discounts and help reduce your premiums.
Find out how much it costs to insure other Ford Models
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