Estimates, not quotes

Ford F-150 vs Tesla Cybertruck Insurance Cost

The Ford F-150 is cheaper to insure by about $20 a year for full coverage by our estimate ($1,580 vs. $1,600), and cheaper in 39 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageFord F-150Tesla CybertruckDifference
State minimum$665$595+$70
Standard (100/300/100)$960$865+$95
Full coverage$1,580$1,600−$20

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = F-150 minus Cybertruck.

Why one costs more to insure

FactorFord F-150Tesla Cybertruck
SegmentPickup truckPickup truck
PowertrainsGasoline, Hybrid, Diesel, Flex-fuelElectric
HLDI collision (100 = avg)92—
HLDI comprehensive84—
HLDI property damage liability110—
HLDI bodily injury liability121—
NHTSA overall rating5★5★
NICB most-stolen rank#7Not in top 10
Recalls (latest 3 model years)233

The Ford F-150 appears on the NICB most-stolen list, adding to comprehensive costs.

F-150 vs Cybertruck insurance by state

StateF-150CybertruckDifference
Alabama$1,365$1,400−$35
Alaska$1,380$1,400−$20
Arizona$1,660$1,675−$15
Arkansas$1,370$1,425−$55
California$1,530$1,570−$40
Colorado$1,790$1,835−$45
Connecticut$1,695$1,690+$5
Delaware$1,790$1,765+$25
District of Columbia$1,980$2,015−$35
Florida$2,305$2,250+$55
Georgia$1,985$1,960+$25
Hawaii$1,080$1,105−$25
Idaho$1,070$1,090−$20
Illinois$1,360$1,390−$30
Indiana$1,115$1,145−$30
Iowa$1,055$1,110−$55
Kansas$1,245$1,300−$55
Kentucky$1,335$1,345−$10
Louisiana$2,195$2,210−$15
Maine$995$1,025−$30
Maryland$1,780$1,785−$5
Massachusetts$1,550$1,570−$20
Michigan$1,710$1,745−$35
Minnesota$1,305$1,350−$45
Mississippi$1,500$1,540−$40
Missouri$1,425$1,465−$40
Montana$1,240$1,300−$60
Nebraska$1,245$1,300−$55
Nevada$1,855$1,805+$50
New Hampshire$1,115$1,140−$25
New Jersey$1,930$1,905+$25
New Mexico$1,410$1,440−$30
New York$2,145$2,125+$20
North Carolina$1,155$1,205−$50
North Dakota$985$1,050−$65
Ohio$1,120$1,150−$30
Oklahoma$1,405$1,460−$55
Oregon$1,435$1,425+$10
Pennsylvania$1,365$1,405−$40
Rhode Island$1,925$1,915+$10
South Carolina$1,710$1,700+$10
South Dakota$1,175$1,265−$90
Tennessee$1,300$1,340−$40
Texas$1,860$1,910−$50
Utah$1,450$1,440+$10
Vermont$1,005$1,050−$45
Virginia$1,355$1,375−$20
Washington$1,390$1,385+$5
West Virginia$1,305$1,355−$50
Wisconsin$1,070$1,105−$35
Wyoming$1,200$1,285−$85

By driver profile (full coverage)

DriverF-150Cybertruck
Teen driver (18, own policy)$4,345$4,400
Young adult (22)$2,530$2,560
Adult in their 30s$1,580$1,600
Adult in their 50s$1,455$1,470
Senior (72)$1,770$1,790
30s, one at-fault accident$2,290$2,320
30s, DUI on record$2,925$2,960

More comparisons

Frequently asked questions

Is the Ford F-150 or the Tesla Cybertruck cheaper to insure?

By our estimate the Ford F-150 is cheaper, by about $20 a year for full coverage ($1,580 vs. $1,600) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford F-150 and Tesla Cybertruck?

Mostly because of insurance-loss history: HLDI collision indices of 92 vs. n/a and comprehensive indices of 84 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page