Ford F-150 car insurance: cost and quotes

How much does it cost to insure a Ford F-150?

The average cost of car insurance for a Ford F-150 is $2,608 per year ($217 per month) for full coverage and $802 per year ($67 per month) for minimum coverage. This is relatively in line with the average costs of full and minimum coverage nationwide, according to data sourced from Quadrant Informaiton Services.

Car insurance rates vary based on a range of factors that insurers take into account when determining premium. Drivers with clean driving records tend to have the most reasonable rates. Your car's age plays a role, as does your own age and gender (in most states). Another factor is your vehicle's crash rate stats. These are good for the F-150 — the Insurance Institute for Highway Safety (IIHS) has named this Ford model as a Top Safety Pick for the last three years, citing reinforced frame elements added in the vehicle's 2021 redesign as one element in its favor.

Cheapest car insurance companies for a Ford F-150

Bankrate's insurance editorial team, using data supplied by Quadrant Information Services, gathered average rates from insurers for the F-150 to help you find the best price for your own truck. It can be useful to remember that the best car insurance for your needs may not be the cheapest option. You may want to consider other factors, such as available coverage options, discount variety, customer service rankings and overall financial strength.

How much does it cost to insure a Ford F-150?

The best way to find cheap car insurance for your Ford F-150 is by gathering quotes from more than one insurer, so you can compare prices. Since every insurer uses its own method of determining premiums, you are likely to end up with a broad range of potential prices and can choose the lowest one if cost is your top consideration.

Other car insurance coverage for a Ford F-150

You may have multiple considerations when choosing the best car insurance for your needs. Price may be one of them, but other factors are also likely to play a role. Keep in mind, for example, that your state's minimum car insurance requirements may not be enough to give you adequate coverage in a serious accident. For more robust coverage, you may want to consider increasing your liability coverage and adding some of the following types of insurance:

• Collision: Will help cover the cost of repairs to your F-150 if you are in an at-fault accident.
• Comprehensive: Helps with repair costs if your truck is damaged in something other than an accident, such as a weather-related incident, vandalism or fire. Along with collision, comprehensive coverage is considered part of a full coverage policy.
• Roadside assistance: This add-on can assist if you have a breakdown while driving and may include towing coverage, battery charging and more.
• Gap insurance: If you have an auto loan or lease on your F-150 and your car is totaled or stolen and not recovered, this will help cover the gap between what you owe and the car's actual cash value.
• New Vehicle replacement: If your late-model F-150 is deemed a total loss after an accident, this endorsement may pay to allow you to replace it with a new car of the same make and model. This is generally only available for the first year or two that you own the truck.

How to get a Ford F-150 car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

• Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
• Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
• Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
• Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
• Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Frequently asked questions

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics: