Cost of Ford F-150 Car Insurance (2024)

Drivers insuring Ford F-150s can expect to pay an average of $139 monthly, or $1,668 yearly, for car insurance.

Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated December 11, 2023 at 11:00 AM PST

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The average cost to insure a Ford F-150 is roughly $93 per month for liability coverage and $185 per month for full coverage. F-150s cost about the same to insure as the similarly sized Toyota Tacoma.

Remember: These are the average costs to insure an F-150, and the exact rate you’ll pay for coverage depends on your driving record, age, and even your credit history in some states. Always compare car insurance quotes from at least three insurers before deciding on a policy.

Quick Facts
  • USAA is the most affordable insurance company for Ford F-150s.

  • The MSRP for the 2023 F-150 starts at approximately $33,000.

  • Ford F-150 car insurance costs about the same as the national average.

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Cost of Ford F-150 insurance

The Ford F-150 costs an average of $139 per month to insure, with liability coverage costing $93 per month and full coverage costing $185.

USAA has the cheapest coverage for both liability and full-coverage policies. Your premium cost will depend on driving factors like your age, driving record, and location.

2023 Ford F-150 insurance

The MSRP for the 2023 Ford F-150 is $33,695.[1] The 2023 model is the most expensive to insure, with monthly rates starting at $90 with USAA and reaching $230 with The General.

Insurance CompanyAverage Monthly Quote
USAA$90
State Farm$100
GEICO$104
Allstate$123
Progressive$149
American Family$156
Liberty Mutual$163
Travelers$180
Farmers$211
The General$230
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2022 Ford F-150 insurance

The MSRP for a 2022 Ford F-150 is $29,640.[1] Monthly rates start at $79 with USAA and reach $201 with The General.

Insurance CompanyAverage Monthly Quote
USAA$79
State Farm$88
GEICO$90
Allstate$108
Progressive$130
American Family$136
Liberty Mutual$142
Travelers$157
Farmers$185
The General$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2021 Ford F-150 insurance

The original MSRP for a 2021 Ford F-150 was $30,985. Monthly rates start at $76 with USAA and reach $195 with The General.

Insurance CompanyAverage Monthly Quote
USAA$76
State Farm$85
GEICO$87
Allstate$104
Progressive$126
American Family$132
Liberty Mutual$138
Travelers$152
Farmers$179
The General$195
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2020 Ford F-150 insurance

The original MSRP for a 2020 Ford F-150 was $30,315. Monthly rates start at $76 with USAA and reach $193 with The General.

Insurance CompanyAverage Monthly Quote
USAA$76
State Farm$84
GEICO$87
Allstate$103
Progressive$125
American Family$131
Liberty Mutual$136
Travelers$151
Farmers$177
The General$193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2019 Ford F-150 insurance

The original MSRP for a 2019 Ford F-150 XL four-door pickup with an eight-foot bed was $35,505. Monthly rates start at $73 with USAA and reach $187 with The General.

Insurance CompanyAverage Monthly Quote
USAA$73
State Farm$81
GEICO$84
Allstate$100
Progressive$121
American Family$126
Liberty Mutual$132
Travelers$146
Farmers$172
The General$187
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2018 Ford F-150 insurance

The original MSRP for a 2018 Ford F-150 XL four-door pickup with an eight-foot bed was $35,150. Monthly rates start at $67 with USAA and reach $170 with The General.

Insurance CompanyAverage Monthly Quote
USAA$67
State Farm$74
GEICO$77
Allstate$91
Progressive$110
American Family$115
Liberty Mutual$120
Travelers$133
Farmers$156
The General$170
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2017 Ford F-150 insurance

The original MSRP for a 2017 Ford F-150 was $28,630. Monthly rates start at $66 with USAA and reach $168 with The General.

Insurance CompanyAverage Monthly Quote
USAA$66
State Farm$73
GEICO$76
Allstate$90
Progressive$109
American Family$114
Liberty Mutual$119
Travelers$131
Farmers$154
The General$168
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2016 Ford F-150 insurance

The original MSRP for a 2016 Ford F-150 was $27,960. Monthly rates start at $65 with USAA and reach $167 with The General.

Insurance CompanyAverage Monthly Quote
USAA$65
State Farm$73
GEICO$75
Allstate$89
Progressive$108
American Family$113
Liberty Mutual$118
Travelers$130
Farmers$153
The General$167
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2015 Ford F-150 insurance

The original MSRP for a 2015 Ford F-150 was $26,840. Monthly rates start at $62 with USAA and reach $158 with The General.

Insurance CompanyAverage Monthly Quote
USAA$62
State Farm$69
GEICO$71
Allstate$84
Progressive$102
American Family$107
Liberty Mutual$111
Travelers$123
Farmers$145
The General$158
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2014 Ford F-150 insurance

The original MSRP for a 2014 Ford F-150 was $27,445. Monthly rates start at $61 with USAA and reach $157 with The General.

Insurance CompanyAverage Monthly Quote
USAA$61
State Farm$68
GEICO$70
Allstate$84
Progressive$101
American Family$106
Liberty Mutual$111
Travelers$122
Farmers$144
The General$157
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Ford F-150 car insurance coverages

You’ll need to carry a minimum of liability car insurance in every state but New Hampshire. Liability coverage includes bodily injury insurance and property damage insurance, though some states may require you to carry personal injury protection.[2]

Bodily injury liability insurance covers another driver’s medical bills if you or a covered driver causes an accident. States determine the minimum limits, but you can always choose higher limits if you want more protection.

Property damage liability insurance covers repair to another driver’s vehicle if you or a covered driver causes an accident. Like with bodily injury coverage, you can decide how much coverage to carry with this policy as long as it meets your state’s minimum limits.

Drivers who want more thorough protection can add the following coverages to their policies:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for car repairs after an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for car repairs if a non-collision event, like theft, vandalism, or a natural disaster, causes damages.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    PIP coverage pays for you and your passengers’ medical bills after an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If someone else causes an accident but doesn’t have enough insurance to pay for your car repairs or medical expenses, uninsured/underinsured motorist coverage will pay the difference.

Ford F-150 car insurance FAQs

See below for answers to commonly asked questions about insurance rates for Ford F-150s.

  • Which company has the cheapest Ford F-150 insurance?

    USAA has the lowest rates for liability-only and full-coverage car insurance for the F-150. However, USAA only serves active-duty military members, veterans, and their immediate families. State Farm carries the lowest rates for people not affiliated with the armed forces.

  • Are Ford F-150s expensive to insure?

    Not particularly. Generally speaking, the cost to insure an F-150 is about the same as the national average car insurance rate of $155. However, the actual rate for coverage depends on your driving record, marital status, credit history, and other factors.[3] Rates also depend on the model year, trim level, and engine type of your car.

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

    The average cost to insure a Ford F-150 is $139 per month. Liability coverage averages $93, and full coverage averages $185. However, drivers can expect higher rates if they raise their limits from the minimum coverage or incur accidents, tickets, or traffic violations.

  • Are Fords more expensive to insure?

    Fords are typically no more expensive to insure than any other manufacturer. The cost of insuring your Ford depends on the year, make, and model, as well as your age, driving history, and location. Typically, the more safety features your pickup truck has, the lower your insurance premiums will be.

Sources

  1. Kelley Blue Book. "Ford F-150." Accessed November 1, 2023
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed November 1, 2023
  3. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed November 1, 2023
Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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