Those considering purchasing a truck may wonder, “How much would car insurance cost for a Ford F-150?” In this article, we will look at the average rates and the factors that affect them, allowing you to understand how much car insurance is likely to cost for a Ford F-150.
Our team of experts carefully reviews all major car insurance providers to let us confidently identify the top companies in the industry. Click above to get free auto insurance quotes by ZIP code and start comparing plans and pricing.
How Much Does Car Insurance Cost for a Ford F-150?
The nationwide average cost of insurance for a Ford F-150 XL with a 35-year-old driver is $1,634 per year, according to our rate data. This amount will vary for each owner, though.
If you’re planning to buy the bare minimum coverage requirement for your state, expect a lower rate. There are many other factors that will likely affect how much car insurance would cost for your Ford F-150, listed below.
What Affects Car Insurance Costs for a Ford F-150?
No matter what type of vehicle you plan to insure, there is a long list of factors that will affect your car insurance rates. These include:
- Age and years of driving experience
- Marital and job status
- Annual miles driven
- Location (states with steep rates like Michigan and Louisiana versus low-cost spots like Ohio and North Carolina)
- Where you park (in a garage versus outside versus on the street)
- Credit score and driving record
- Insurance and claims history
- Driver discounts for cheap auto insurance
- Your level of car insurance coverage
- Your deductible (the higher the deductible, the lower the rate)
Most of the above factors will vary from person to person. However, all Ford F-150 drivers will notice the increased cost of driving a full-size pickup truck. As a large vehicle, the F-150 is typically worth more than most cars and therefore costs extra to insure.
Your insurance company may also ask how you plan to use the truck when determining how much car insurance would cost for your Ford F-150. Those who drive off-road may have higher premiums than those who stay on-road due to the increased risk of damage.
How Ford F-150 Costs Affect Auto Insurance Rates
Your Ford F-150 insurance cost will depend on the model year and configuration you choose. According to Ford, a new 2021 F-150 can start at $29,290. Expect to pay more for higher trim levels, different cabin configurations such as the SuperCab and SuperCrew, and other upgrades over the regular cab.
The type of vehicle you drive strongly affects your auto insurance rates. This connection makes sense, since collision and comprehensive insurance either pay to repair or replace your truck if you are in an accident or are the victim of theft, fire or another covered cause.
A more expensive vehicle will naturally cost more to replace, so the insurance company takes a larger risk when insuring pricier cars. They minimize that risk by charging you more for insurance. The fact that Ford F-150s are easy to maintain compared to most trucks should help to keep the insurance premiums at a manageable level as you consider how much truck insurance is.
This means that the F-150 model you choose will affect the prices received when you get quotes for Ford F-150 car insurance.
How Ford F-150 Safety Features Affect Auto Insurance Costs
Another factor that affects how much car insurance would cost for a Ford F-150 is the vehicle’s list of safety features.
The Ford F-150 is generally safe, with the Insurance Institute for Highway Safety (IIHS) giving it strong crash test ratings. The 2020 F-150 crew cab model, for example, earned the highest rating of “good” for collision tests on both the driver and passenger sides, along with for roof strength and in the head restraints and seats category. However, the F-150’s headlights received a “poor” rating, and the LATCH child restraint system only received a “marginal” score.
The main issue with the LATCH system was that the anchors were hard to find, and it is easy to confuse other hardware for them. The optional front crash prevention system, on the other hand, received the top rating of “superior.” The F-150 has every basic safety feature, from air bags to anti-lock brakes to anti-theft devices.
Insurance companies are more likely to offer lower insurance rates for a vehicle with a better safety rating. The reason for this is twofold. To start, the safety features reduce the risk of an accident, minimizing the chances that you will have to make a claim. Safety features can also reduce the effects of a collision or accident when it occurs. If there is less damage to the car or fewer injuries, the insurance company will typically have to pay less.
Some insurance providers will offer additional discounts if you choose a vehicle with enhanced safety features.
In the case of Ford F-150s, this means that you can save money on your auto insurance if you buy a configuration with optional safety upgrades. The IIHS specifically rated the pre-collision assist with pedestrian detection and the adaptive cruise control with stop-and-go features. These optional systems both received the “superior” rating.
Our Recommendations for Auto Insurance
The amount that car insurance would cost for a Ford F-150 depends a lot on which provider you use, so we looked through the options to determine your best choices with cheap rates. After thorough research, our top picks are GEICO, USAA and State Farm. Choosing any of these providers for your Ford F-150 will deliver a compelling balance between coverage and cost of car insurance. After all, you don’t want cheap car insurance that sacrifices necessary protection.
The best and simplest method of getting multiple auto insurance quotes is with our quote box below. Just enter your ZIP code to get free quotes for Ford F-150 car insurance.
GEICO: 9.1 out of 10.0
GEICO is a great choice for auto insurance, especially for students and those in the military. After careful evaluation, GEICO earned a 9.0 out of 10.0 rating for customer experience, 9.4 for cost, and 8.5 for coverage. On top of that, it earned a 9.8 for industry reputation.
USAA: 9.6 out of 10.0
You must be in the military, a veteran or part of a military family to qualify for USAA insurance. For those who do qualify, it is among the best insurance options. Our team gave USAA a 9.3 for its strong industry reputation and customer experience, as well as a 10.0 for cost. On top of that, USAA earned an 9.5 rating for its coverage.
State Farm: 9.1 out of 10.0
State Farm is yet another top choice for auto insurance, whether you have a Ford F-150 or another vehicle. Its great industry reputation earned it a 9.9 out of 10.0 rating. State Farm’s excellent coverage and cost led to a pair of 9.0 ratings, while it received an 8.8 for customer experience.
FAQ: How Much Would Car Insurance Cost for a Ford F-150?
Are Ford F-150s expensive to insure?
The cost to insure a Ford F-150 will depend on numerous factors, including your credit score, driving history and where you live. Ford F-150s cost less to insure than a higher-end vehicle like a sports car, though.
Are Ford F-150s expensive to maintain?
Ford F-150s are one of the cheapest full-size trucks to maintain. The F-150’s reliability and generally cheap repair costs help keep prices affordable even when the truck heads to the shop.
How much would car insurance cost for a Ford F-150 Raptor?
You can expect to pay about $1,300 to $3,200 annually to insure a Ford F-150 Raptor.
How much does a new Ford truck cost?
A new 2021 Ford F-150 starts at $30,985 for the base XL trim and begins at $74,700 for the top Limited trim.
Methodology
The Detroit Bureau collects data from every major car insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, rate estimates from Quadrant Information Services, customer satisfaction and ratings from industry experts. Each insurer is given a weighted score in four categories, as well as an overall score out of 10.0.
We recommend auto insurance companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.
