Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Are you looking for a new or used Ford F-150? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford F-150 car insurance facts

  • Average full coverage auto insurance premium: $135/month

  • Most affordable companies: USAA ($83/month) & GEICO ($86/month)

  • F-150 car insurance cost vs. average rates: $53 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford F-150 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Ford F-150 insurer costs by state:

Risk factors affecting Ford F-150 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford F-150 car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford F-150 repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford F-150 affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1633
Auto-Owners$1094
Cincinnati Insurance$2036
Direct Auto$1953
Erie$1294
GEICO$1029
Kentucky Farm Bureau$1794
Liberty Mutual$1530
MetLife$2147
Nationwide$1478
Plymouth Rock Insurance$1645
Progressive$1719
State Farm$1235
Tennessee Farmers$1061
Texas Farm Bureau$1426
The Hanover$1919
Travelers$1145
USAA$1006

Compare all 2021 Ford F-150 rates

Average Cost to Insure Per Year

$1611

List Price

$28940

Trims Available

XL - XLT - Lariat - Police Responder - Raptor - King Ranch - Platinum - Limited - Base Engine: twin-turbocharged 2.7-liter EcoBoost V6 engine at 325 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2020 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1620
Auto-Owners$1059
Erie$1253
Farmers$1834
GEICO$1023
Liberty Mutual$1526
Mercury$1711
MetLife$2070
Nationwide$1463
Progressive$1790
State Farm$1191
Tennessee Farmers$1045
Texas Farm Bureau$1361
The Hanover$1915
Travelers$1086
USAA$990

Compare all 2020 Ford F-150 rates

Average Cost to Insure Per Year

$1482

List Price

$28745

Trims Available

XL - XLT - Lariat - Police Responder - Raptor - King Ranch - Platinum - Limited - Base Engine: twin-turbocharged 2.7-liter EcoBoost V6 engine at 325 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1587
Auto-Owners$1049
Erie$1249
GEICO$1020
Kentucky Farm Bureau$1835
Liberty Mutual$1490
Mercury$1691
MetLife$2061
Nationwide$1433
Progressive$1784
State Farm$1180
Tennessee Farmers$1035
Texas Farm Bureau$1345
The Hanover$1906
Travelers$1059
USAA$987

Compare all 2019 Ford F-150 rates

Average Cost to Insure Per Year

$1389

List Price

$28155

Trims Available

XL - XLT - Lariat - Police Responder - Raptor - King Ranch - Platinum - Limited - Base Engine: twin-turbocharged 2.7-liter EcoBoost V6 engine at 325 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2018 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 953
Acuity$ 953
Allied$ 986
Allied$ 986
American Family$ 880
American Family$ 880
Country$ 977
Country$ 977
Erie$ 710
Erie$ 710
GEICO$ 417
GEICO$ 417
Nationwide$ 822
Nationwide$ 822
Progressive$ 629
Progressive$ 629
Safeco$ 904
Safeco$ 904
State Farm$ 602
State Farm$ 602
USAA$ 687
USAA$ 687
Vermont Mutual$ 986
Vermont Mutual$ 986

Compare all 2018 Ford F-150 rates

Average Cost to Insure Per Year

$ 762

List Price

$ 27705

Trims Available

XL - XLT - Lariat - Police Responder - Raptor - King Ranch - Platinum - Limited

2017 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 942
Acuity$ 942
American Family$ 862
American Family$ 862
Country$ 876
Country$ 876
Erie$ 658
Erie$ 658
GEICO$ 483
GEICO$ 483
Nationwide$ 839
Nationwide$ 839
Progressive$ 606
Progressive$ 606
Safeco$ 918
Safeco$ 918
State Farm$ 607
State Farm$ 607
Tennessee Farmers$ 921
Tennessee Farmers$ 921
Texas Farm Bureau$ 764
Texas Farm Bureau$ 764
USAA$ 687
USAA$ 687

Compare all 2017 Ford F-150 rates

Average Cost to Insure Per Year

$ 792

List Price

$ 27110

Trims Available

XL - XLT - Lariat - Raptor - King Ranch - Platinum - Limited

2016 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 819
American Family$ 819
Country$ 845
Country$ 845
Erie$ 612
Erie$ 612
GEICO$ 495
GEICO$ 495
Nationwide$ 839
Nationwide$ 839
Progressive$ 600
Progressive$ 600
Safeco$ 895
Safeco$ 895
State Farm$ 563
State Farm$ 563
Tennessee Farmers$ 891
Tennessee Farmers$ 891
Texas Farm Bureau$ 802
Texas Farm Bureau$ 802
USAA$ 673
USAA$ 673
Vermont Mutual$ 910
Vermont Mutual$ 910

Compare all 2016 Ford F-150 rates

Average Cost to Insure Per Year

$ 750

List Price

$ 26540

Trims Available

XL - XLT - Lariat - King Ranch - Platinum - Limited

2015 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 811
American Family$ 811
Country$ 872
Country$ 872
Erie$ 579
Erie$ 579
GEICO$ 525
GEICO$ 525
Nationwide$ 848
Nationwide$ 848
Progressive$ 604
Progressive$ 604
Safeco$ 886
Safeco$ 886
State Farm$ 542
State Farm$ 542
Tennessee Farmers$ 829
Tennessee Farmers$ 829
Texas Farm Bureau$ 779
Texas Farm Bureau$ 779
USAA$ 640
USAA$ 640
Vermont Mutual$ 945
Vermont Mutual$ 945

Compare all 2015 Ford F-150 rates

Average Cost to Insure Per Year

$ 744

List Price

$ 25800

Trims Available

XL - XLT - Lariat - King Ranch - Platinum

2014 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 797
Acuity$ 797
American Family$ 771
American Family$ 771
Country$ 695
Country$ 695
Erie$ 540
Erie$ 540
GEICO$ 382
GEICO$ 382
Grange Insurance$ 860
Grange Insurance$ 860
Nationwide$ 734
Nationwide$ 734
Progressive$ 603
Progressive$ 603
State Farm$ 482
State Farm$ 482
Tennessee Farmers$ 630
Tennessee Farmers$ 630
USAA$ 618
USAA$ 618
Vermont Mutual$ 679
Vermont Mutual$ 679

Compare all 2014 Ford F-150 rates

Average Cost to Insure Per Year

$ 677

List Price

$ 25025

Trims Available

XL - STX - XLT - FX2 - Lariat - FX4 - King Ranch - SVT Raptor - Platinum - Limited

2013 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 701
Acuity$ 701
American Family$ 698
American Family$ 698
Country$ 643
Country$ 643
Erie$ 511
Erie$ 511
GEICO$ 380
GEICO$ 380
Nationwide$ 662
Nationwide$ 662
Progressive$ 585
Progressive$ 585
State Farm$ 447
State Farm$ 447
Tennessee Farmers$ 587
Tennessee Farmers$ 587
Texas Farm Bureau$ 517
Texas Farm Bureau$ 517
USAA$ 587
USAA$ 587
Vermont Mutual$ 631
Vermont Mutual$ 631

Compare all 2013 Ford F-150 rates

Average Cost to Insure Per Year

$ 640

List Price

$ 23995

Trims Available

XL - STX - XLT - FX2 - Lariat - FX4 - King Ranch - SVT Raptor - Platinum - Limited

2012 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 681
Acuity$ 681
American Family$ 691
American Family$ 691
Country$ 618
Country$ 618
Erie$ 489
Erie$ 489
GEICO$ 356
GEICO$ 356
Grange Insurance$ 766
Grange Insurance$ 766
Nationwide$ 639
Nationwide$ 639
Progressive$ 546
Progressive$ 546
State Farm$ 423
State Farm$ 423
Tennessee Farmers$ 562
Tennessee Farmers$ 562
USAA$ 566
USAA$ 566
Vermont Mutual$ 592
Vermont Mutual$ 592

Compare all 2012 Ford F-150 rates

Average Cost to Insure Per Year

$ 615

List Price

$ 23300

Trims Available

XL - STX - XLT - FX2 - Lariat - FX4 - SVT Raptor - King Ranch - Platinum - Harley-Davidson

2011 Ford F-150

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 753
Acuity$ 753
American Family$ 720
American Family$ 720
Country$ 605
Country$ 605
Erie$ 486
Erie$ 486
GEICO$ 344
GEICO$ 344
Nationwide$ 629
Nationwide$ 629
Progressive$ 537
Progressive$ 537
State Farm$ 423
State Farm$ 423
Tennessee Farmers$ 563
Tennessee Farmers$ 563
Texas Farm Bureau$ 536
Texas Farm Bureau$ 536
USAA$ 551
USAA$ 551
Vermont Mutual$ 564
Vermont Mutual$ 564

Compare all 2011 Ford F-150 rates

Average Cost to Insure Per Year

$ 610

List Price

$ 22790

Trims Available

XL - STX - XLT - FX2 - Lariat - FX4 - SVT Raptor - King Ranch - Platinum - Lariat Limited - Harley-Davidson