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Ford F-150 insurance rates

Average Ford F-150 insurance rates

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Introduced in 1947, the Ford F-150 is now the best-selling vehicle in the US and is widely considered the best all-purpose pickup truck on the market. Pricing starts at just under $30,000 but can quickly exceed $60,000 depending on your choice of model and build options.

The average cost of auto insurance for a Ford F-150 is $157 a month or $1,884 a year, which is roughly $500 above the national average of $1,318. Your actual cost might be different, as the price of auto insurance is influenced by a number of driver, location and vehicle-specific factors. Filter car insurance companies by your state to get a quote.

YearProgressiveGeicoState FarmAverage
2009$209$154$146$170
2010$207$149$149$168
2011$206$149$160$172
2012$206$149$160$172
2013$203$149$164$172
2014$202$149$165$172
2015$311$235$176$241
2016$321$241$185$249
2017$322$245$195$254
2018$323$252$198$258
2019$330$259$202$264
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How to compare insurance for the Ford F-150

Auto insurance can be expensive if you don’t know what to look for. And besides, nobody likes paying for something they hope to never use. But the reality is that auto insurance is mandatory in almost every state, not to mention that the right coverage can provide peace of mind and protection that you can’t get anywhere else. So while you can’t avoid buying coverage, there are ways you can reduce the cost. Here are a few factors to consider when comparing your options.

  • Price. Every provider claims to have the best price, which isn’t always accurate since coverage can vary between policies. Use the same vehicle and driver information when getting quotes in order to compare prices on similar coverage.
  • Deductible. Since your deductible can influence the cost of your premiums, you’ll want to choose an amount that fits your monthly budget but won’t be an issue if you need to file a claim.
  • Minimum coverage. Every state has different requirements for minimum coverage. Be sure that your state’s minimums are met before committing to a policy.
  • Additional coverage. Some providers offer additional coverage options like medical payments coverage or personal injury protection. Be sure to include any desired options when getting quotes.
  • Extras. Find out what features are included with your policy and what other extras are available. Accident forgiveness and vanishing deductible are two of the many options you may come across.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Ask your dealership if you are eligible for any manufacturer offers or loyalty programs.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Ford F-150?

While driver and location-specific factors can influence your risk of getting into an accident, the vehicle you drive plays a much larger role. And since insurance providers calculate your premiums according to your chance and cost of filing claims, your choice of make and model will directly affect the price of coverage. Here’s how the Ford F-150 measures up:

  • Body type. The F-150 is a rock-solid four-door pickup that would hold up well in an accident. This could decrease the cost of coverage.
  • Type of car. Pickups are generally designed for hauling cargo, towing, offroading and other activities that could be harder on the vehicle. Because of this, insurance premiums are usually higher.
  • Theft. The Ford F-Series pickups are some of the most frequently stolen vehicles around, which might make them more expensive to insure.
  • Repairs. While repairs should be affordable, pickups are often subject to heavy use and may require more frequent repairs, which could raise the cost of insurance.
  • Safety ratings. The F-150 has great safety ratings and a durable design that would protect passengers in the event of an accident. This could help reduce the cost of coverage.
  • Fuel type. The F-150 is available in both gas and diesel, though the gas model should be cheaper to insure.
  • Trim & packages. Choosing trim or packages that increase power could lead to more expensive insurance. However, adding features that improve safety or visibility could reduce your premiums.

Ford F-150 money-saving safety features

You could save money on car insurance for your Ford F-150 if it comes equipped with these safety features.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the Ford F-150 qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Ford F-150:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Ford F-150 safety & reliability ratings

According to U.S. News and J.D. Power, the 2018 Ford F-150 holds a 9.8/10 for safety. This rating is backed by the highest ratings in every category from the IIHS, along with a 5/5 star safety rating from the NHTSA.

The 2018 Ford F-150 has a 3/5 star reliability rating from U.S. News and J.D. Power. That said, your experience may vary depending on your choice of model and the way you drive it.

Ford F-150 maintenance

The F-150 is a heavy-duty vehicle that’s designed to handle almost anything you put it through. Since it’s often used as a work truck, the F-150 is quite reliable and requires little maintenance to keep it on the roads. However, considering that it may be subject to heavier use than other vehicles, it’s important to stick to a routine maintenance schedule. Here’s what to expect:

  • While newer F-150s are equipped with an Intelligent Oil Life Monitor to tell you when to change the oil, Ford generally recommends an oil change every 5,000-10,000 miles. That being said, vehicles that undergo heavy use should have the oil changed more frequently.
  • Oil changes should cost between $100 and $200, but your price may vary depending on where you have it serviced.
  • Consult your owners manual for more details on the service schedule for the Ford F-150.

Is an extended warranty worth it for the Ford F-150?

The F-150 comes with a standard three-year/36,000-mile limited warranty and five-year/60,000 mile powertrain warranty. New vehicles also include five years/60,000 miles of corrosion protection and roadside assistance.

Ford offers a range of extended service plans that serve the same purpose as an extended warranty. Coverage varies depending on the plan you choose, but all options are designed to cover the cost of unexpected repairs. They include OEM part replacements, service by licensed Ford technicians, 24-hour roadside assistance and a rental vehicle allowance. Ford also offers two maintenance plans to cover recommended and scheduled servicing.

About the Ford F-150

The Ford F-150 has been around since 1975 and was introduced to avoid certain emission control restraints. The Ford F-150 is the most popular model in the Ford’s F-Series lineup. The full-size pickup truck is known for its strong turbocharged engine, spacious seats and agile performance. The Ford F-150 is the best overall half-ton pickup truck, according to PickupTrucks.com. In 2016, there were over 820,000 sales in the United States.

Bottom line

Designed as a durable but comfortable all-purpose pickup truck, the F-150 has become the best selling vehicle in the country. Equipped with a number of safety features and crash test ratings, you should have no trouble finding coverage for the F-150. Explore insurance rates to find the best deal for you.

Frequently asked questions about the Ford F-150

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Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio

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