Ford F-150 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Ford F-150 than the average car.

• Liability car insurance for an F-150 averages around $71 a month, while full coverage usually comes in at about $142.

• Hugo offers the most affordable average rates for an F-150 with liability only coverage offered for sometimes as low as $39 per month.

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F-150 Overview

The Ford F-150 is a great car for drivers on a budget, with base prices starting at just $28,940 for new 2021 models. The F-150 is not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when you consider your future auto insurance rates.

We sifted through thousands of insurance quotes on Compare.com, and we've found that Ford F-150 auto insurance costs average out to around $150 monthly. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Ford F-150?

You can see in the table above that when you compare the Ford F-150 to other vehicles, insurance prices are cheaper than average. F-150 owners generally pay about $142 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $71 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

Compared to other models, the F-150 is more affordable, with premiums around 12% lower than Ford's other vehicle offerings. Compared to offerings from other brands, car insurance for an F-150 is also more affordable, with liability only insurance rates coming in about 14% less and 20% less for full coverage.

Impressively, they're overall more affordable to insure than the average vehicle, regardless of model, body style, or make.

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Who has the Cheapest Car Insurance for a Ford F-150?

Shopping around for a car insurance policy for your Ford F-150? You're may be most interested in which carrier offers the lowest premiums. Although there will never be one company that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $22 a month from Ohio Mutual. With car insurance as low as just $29 a month, AssuranceAmerica is the next lowest insurance carrier.

MetroMile, Verti, and Hugo round out the rest of the top 5 list. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Ford F-150.

Car insurance carriers take a variety of different factors into consideration when calculating monthly prices. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from a wide array of car insurance companies.

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What Factors Affect Car Insurance Rates for a Ford F-150?

There are a whole bunch of variables that insurance carriers examine to calculate how much to charge you for auto insurance -- and every company weighs certain factors more than others, so there's not just one carrier that's the cheapest for everyone.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Ford F150 has been around for a while -- that means vehicle age can make a difference in what you end up paying for insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and F150s begin to depreciate, insurance costs will gradually decrease.

As you can see in the information above, the Ford F-150 follows this trend, as the cheapest models to insure are those that are 15 or more years old, while the most expensive models are F-150s that are 6-7 years old.

Your Age

How old you are plays a big role in how much auto insurance companies will charge you. Based on the information above, drivers with more experience pay less for car insurance than younger F-150 drivers. Ford F-150 drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for F-150 drivers.

Your Gender

Because women are less likely to get tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance carriers will often charge women less than men. The Ford F-150 sticks to the norm, where men pay around $5 more than women per month for insurance.

Where You Live

You might think it's common sense that variables like what vehicle you drive and how old you are play a role in your auto insurance costs, but did you know that where you live matters just as much? Since car insurance is regulated on a state-by-state basis, prices change quite a bit from state to state.

For example, the average Ford F-150 owner from New York pays about $135 monthly for liability coverage, while the same driver from California will pay less than 50% of that price, on average. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

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Ford F-150 Car Insurance Discounts

No matter how old you are, what state you call home, or which vehicle you drive, using as many discounts as possible when it comes to your auto insurance is always important when shopping around for a new policy.

While no two car insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-car discounts for insuring more than one of your vehicles with the same company
• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)

These discounts are great, but some of the best ways to save are just by having a positive insurance profile and good driving record.

You obviously can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), but there is quite a bit of you that you can control. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've most likely seen ads from car insurance carriers posting hefty savings for good drivers. It should be no surprise that if you get cited for speeding or get into an accident, insurance premiums will get higher. But you're probably wondering exactly how much these infractions can cost you.

Looking at the table above, you'll notice that accidents will usually cost F-150 drivers more than tickets, but both will cause a significant increase in rates. Ford F-150 drivers with one ticket will pay about $82 per month, while drivers with a single accident on their record pay an average of $93 every month (up $22 from the $71/mo. overall average). The rates only go higher the more tickets you get or accidents you have.

How Much You Drive

The total amount of miles you drive annually plays a role when it comes to your auto insurance rates. Those who are on the roads less have fewer opportunities to get into an accident, so they'll normally end up paying less for insurance. In the above table, you can see that Ford F-150 owners who drive fewer than 2,500 miles per year pay about $64 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $72.

If you don't use your Ford F-150 that often, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Ford F-150s Compare to Other Vehicles?

If you're considering making a Ford F-150 your next purchase, it can pay off to do your homework. Auto insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Take a look at the table below to see how the Ford F-150 compares:

As you can see, a Ford F-150 is a great value when it comes to overall price tag. The F-150 goes for $28,940, which is quite a bit lower than the national average vehicle price of $46,228.

Although the F-150's price is on the low end of the spectrum, insurance costs run slightly above average when compared to the rest of the vehicle market. Full coverage insurance for a Ford F-150 is around $13 a month more expensive than average, while liability only coverage is $4 cheaper monthly.

When it comes to usage, Ford F-150 drivers are near the national average in annual miles driven, with 11,361 miles each year compared to 11,681 for all vehicles.

Ford F-150 Car Insurance Costs by Model Year

So far, you've seen how different things affect how much the average driver pays to insure a Ford F1-50. But if you're in the market for a new car, truck, or SUV and the F-150 is on your wishlist, knowing what you can expect to pay can be extremely helpful as you weigh your options.

That's why we've broken down Ford F-150 car insurance prices by model year. Choose a specific F-150 model year in the dropdown below and see average rates for both liability only and full coverage. You'll also find some other helpful info, like the base MSRP, which trim levels are offered, and who offers the lowest policies for each year the F-150 has been around.

Choose Your Model

2021 Ford F150 Car Insurance 2020 Ford F150 Car Insurance 2019 Ford F150 Car Insurance 2018 Ford F150 Car Insurance 2017 Ford F150 Car Insurance 2016 Ford F150 Car Insurance 2015 Ford F150 Car Insurance 2014 Ford F150 Car Insurance 2013 Ford F150 Car Insurance 2012 Ford F150 Car Insurance 2011 Ford F150 Car Insurance 2010 Ford F150 Car Insurance 2009 Ford F150 Car Insurance

2021 Ford F150 Car Insurance

If you're searching for a brand new Ford F150, there are plenty of options to choose from. A 2021 Ford F150 starts at about $28,940 for the base model, with five different trim levels to pick from.

When it comes to auto insurance, it costs around $182 a month, on average, to buy full coverage insurance for a 2021 Ford F150 and $77 per month for a liability only policy. And if you want the cheapest insurance possible, Aspire offers liability only policies for as low as $25 monthly.

While it's great to know the average price drivers pay for insurance, a personalized quote is the only way to know exactly how much insurance will cost you. With Compare.com, you can get several quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

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2020 Ford F150 Car Insurance

If you're in the market for a 2020 F150 or already own one, you're most likely looking at an average car insurance price of about $83 for liability or $173 for full coverage.

And if you're just looking for the most affordable auto insurance for your F150, Hugo offers liability only policies for sometimes as little as $18 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2020 Ford F150, you can get free quotes in minutes by just entering your ZIP code below.

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2019 Ford F150 Car Insurance

On average, drivers who own a 2019 F150 can expect to pay $81 to $167 a month for liability only and full coverage insurance, respectively.

With rates as cheap as just $24 monthly, Hugo offered the lowest policy we found for the 2019 Ford F150.

Want to know exactly what your auto insurance cost will be? Just enter your ZIP code below to get lots of personalized quotes for free.

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2018 Ford F150 Car Insurance

The average cost to insure a 2018 Ford F150 with liability only coverage is $71 per month, while full coverage runs around $165 a month.

We found StateAuto offered the cheapest policy, with rates sometimes as cheap as $18 per month.

While these are good estimates of what the average driver might pay to insure a 2018 Ford F150, these costs might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2017 Ford F150 Car Insurance

2017 F150 drivers can expect to pay an average of $72 monthly for liability or $162 for full coverage.

Looking for the lowest policy? MetLife offered liability only coverage for as cheap as $18 a month.

Want to find the most affordable rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing lots of personalized quotes from the nation's top insurance companies.

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2016 Ford F150 Car Insurance

It costs about $76 per month for liability or $155 for a full coverage policy for the 2016 Ford F150.

With premiums as little as $21 a month, MetLife offered the lowest policy we found.

If you want to find the best costs for car insurance for a 2016 Ford F150, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2015 Ford F150 Car Insurance

You can expect full coverage for a 2015 F150 to run around $150 monthly, while liability only coverage will average about $86 a month.

MetLife offered the cheapest policy we found, with rates as little as just $16 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2014 Ford F150 Car Insurance

The average cost to insure a 2014 Ford F150 with liability only coverage is $71 monthly, while full coverage runs around $145 per month.

If you're looking for the most affordable 2014 Ford F150 insurance policy, Liberty Mutual offered the most affordable policy we found, with rates as low as $18 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2013 Ford F150 Car Insurance

It costs about $72 a month for liability or $141 for a full coverage policy for the 2013 F150.

Safeco has rates as low as just $17 monthly for the 2013 Ford F150.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2012 Ford F150 Car Insurance

On average, drivers who own a 2012 Ford F150 can expect to pay $76 to $141 a month for liability only and full coverage auto insurance, respectively.

With premiums as little as $18 per month, StateAuto offered the cheapest policy we found.

Interested in what your insurance cost will be? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2011 Ford F150 Car Insurance

2011 F150 drivers can expect to pay an average of $76 monthly for liability or $137 for full coverage.

With prices as cheap as $18 a month, MetLife offered the most affordable policy we found for the 2011 Ford F150.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2010 Ford F150 Car Insurance

You can expect full coverage for a 2010 Ford F150 to run around $140 per month, while liability only coverage will average about $73 a month.

Acuity offered the lowest policy we found, with rates as little as just $18 per month.

Interested in just how much you'll pay? Enter your ZIP code below to get multiple free customized quotes.

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2009 Ford F150 Car Insurance

The average cost to insure a 2009 F150 with liability only coverage is $78 monthly, while full coverage runs around $140 per month.

If you're looking for the lowest possible 2009 Ford F150 insurance policy, Shelter Mutual offered the most affordable policy we found, with rates sometimes as little as $17 monthly.

While these are good estimates of what the average driver might pay to insure a 2009 Ford F150, these costs might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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Ford F150 Insurance FAQs

Is a Ford F150 expensive to insure?

Liability insurance runs an average of $71 a month, while full coverage will cost you around $142. The Ford F150 is less expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Ford F150?

The only way to ensure you're getting the lowest price on auto insurance is to regularly shop around and compare quotes from a lot of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from several companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Ford F150 affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's just a myth. Even though there are many factors car insurance carriers examine when they calculate how much your policy will be, the color of your vehicle is not factored into that decision.

Do I need to have insurance before I buy a Ford F150?

Before you can legally drive your new (or new to you) F150 off the dealership lot, you'll need to have a valid insurance policy. As part of the buying process, some dealerships might offer you an insurance policy, but the best thing to do when buying a car is to talk with your car insurance carrier beforehand.

What car insurance discounts can I get for my Ford F150?

You will find all sorts of discounts out there for insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your F150 has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, contact your insurance company and ask about their discounts, since they differ quite a bit from carrier to carrier.