Ford F-150 Insurance Cost

Full coverage for a Ford F-150 costs about $1,580 a year ($132/month) by our estimate — ▼ −1% versus the average vehicle, ranking 131st cheapest of 310 current models.

Ford F-150 exterior (photo from Wikimedia Commons) — Photo: Deathpallie325, CC BY 4.0

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

Ford F-150 insurance cost at a glance

Full coverage

$1,580

$132/mo · $1,295–$1,865

Minimum liability

$665

$55/mo

Segment

Pickup truck

Gasoline, Hybrid, Diesel, Flex-fuel

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

NICB most stolen

national list

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Ford F-150.

Estimated Ford F-150 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$665	$55	$545–$785
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$960	$80	$790–$1,135
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,580	$132	$1,295–$1,865

What drives the cost of insuring a Ford F-150

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Ford F-150's results put our vehicle factor at 1.08× for liability, 0.93× for collision and 0.91× for comprehensive.

HLDI relative insurance losses — Ford F-150 SuperCrew (Large Pickups)
Coverage	Index	Rating	What it measures
Collision	92	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	84	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	110	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	121	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	84	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	104	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (8)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Ford F-150 SuperCrew	92	84	110	121
Ford F-150 SuperCab 4WD	74	78	87	91
Ford F-150 SuperCrew 4WD	86	98	93	80
Ford F-150 hybrid crew 4WD	90	102	89	69
Ford F-150	110	84	112	—
Ford F-150 4WD	107	72	109	—
Ford F-150 SuperCab	84	80	111	—
Ford F-150 hybrid crew	86	115	104	—

Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Theft: #7 on the NICB national most-stolen list, which raises comprehensive premiums.
Recalls & complaints: 23 NHTSA recall campaigns and 356 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Ford F-150 trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
F150 Pickup 2WD	RWD	2.7L 6-cyl Turbo	21
F150 Pickup 2WD	RWD	3.5L 6-cyl Turbo	20
F150 Pickup 2WD	RWD	5.0L 8-cyl	19
F150 Pickup 2WD HEV	RWD	3.5L 6-cyl Turbo Hybrid	24
F150 Pickup 4WD	4WD	2.7L 6-cyl Turbo	20
F150 Pickup 4WD	4WD	3.5L 6-cyl Turbo	19
F150 Pickup 4WD	4WD	5.0L 8-cyl	19
F150 Pickup 4WD HEV	4WD	3.5L 6-cyl Turbo Hybrid	23
F150 Pickup Tremor 4WD	4WD	3.5L 6-cyl Turbo	18
F150 Pickup Tremor 4WD	4WD	5.0L 8-cyl	17
F150 RAPTOR 4WD	4WD	3.5L 6-cyl Turbo	16
F150 RAPTOR R 4WD	4WD	5.2L 8-cyl Supercharged	12

Ford F-150 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.7L 6-cyl Turbo, 3.5L 6-cyl Turbo, 3.5L 6-cyl Turbo Hybrid	4WD, RWD	12–24	$1,580
2025	2.7L 6-cyl Turbo, 3.5L 6-cyl Turbo, 3.5L 6-cyl Turbo Hybrid	4WD, RWD	12–23	$1,550
2024	2.7L 6-cyl Turbo, 3.5L 6-cyl Turbo, 3.5L 6-cyl Turbo Hybrid	4WD, RWD	12–23	$1,525
2023	2.7L 6-cyl Turbo, 3.3L 6-cyl, 3.5L 6-cyl Turbo	4WD, RWD	12–25	$1,495
2022	2.7L 6-cyl Turbo, 3.3L 6-cyl, 3.5L 6-cyl Turbo	4WD, RWD	15–25	$1,465
2021	2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 3.3L 6-cyl	4WD, RWD	15–25	$1,435
2020	2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 3.3L 6-cyl	4WD, RWD	16–24	$1,405
2019	2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 3.3L 6-cyl	4WD, RWD	16–25	$1,375
2018	2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 3.3L 6-cyl	4WD, RWD	16–25	$1,350
2017	2.7L 6-cyl Turbo, 3.5L 6-cyl, 3.5L 6-cyl Turbo	4WD, RWD	16–22	$1,320
2016	2.7L 6-cyl Turbo, 3.5L 6-cyl, 3.5L 6-cyl Turbo	4WD, RWD	16–21	$1,290
2015	2.7L 6-cyl Turbo, 3.5L 6-cyl, 3.5L 6-cyl Turbo	4WD, RWD	17–22	$1,285
2014	3.5L 6-cyl Turbo, 3.7L 6-cyl, 5.0L 8-cyl	4WD, RWD	13–19	$1,285
2013	3.5L 6-cyl Turbo, 3.7L 6-cyl, 5.0L 8-cyl	4WD, RWD	13–19	$1,285
2012	3.5L 6-cyl Turbo, 3.7L 6-cyl, 5.0L 8-cyl	4WD, RWD	13–19	$1,285
2011	3.5L 6-cyl Turbo, 3.7L 6-cyl, 5.0L 8-cyl	4WD, RWD	12–19	$1,285
2010	4.6L 8-cyl, 5.4L 8-cyl	4WD, RWD	15–17	$1,285
2009	4.6L 8-cyl, 5.4L 8-cyl	4WD/AWD, RWD	15–17	$1,285
2008	4.2L 6-cyl, 4.6L 8-cyl, 5.4L 8-cyl	4WD/AWD, RWD	14–16	$1,285
2007	4.2L 6-cyl, 4.6L 8-cyl, 5.4L 8-cyl	4WD/AWD, RWD	14–16	$1,285

Ford F-150 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the F-150 page for that state.

State	Full coverage	Minimum	vs. national	F-150 page
Alabama	$1,365	$520	−14%	F-150 in AL
Alaska	$1,380	$675	−13%	F-150 in AK
Arizona	$1,660	$715	+5%	F-150 in AZ
Arkansas	$1,370	$485	−13%	F-150 in AR
California	$1,530	$620	−3%	F-150 in CA
Colorado	$1,790	$705	+13%	F-150 in CO
Connecticut	$1,695	$770	+7%	F-150 in CT
Delaware	$1,790	$865	+13%	F-150 in DE
District of Columbia	$1,980	$800	+25%	F-150 in DC
Florida	$2,305	$1,165	+46%	F-150 in FL
Georgia	$1,985	$945	+26%	F-150 in GA
Hawaii	$1,080	$470	−32%	F-150 in HI
Idaho	$1,070	$435	−32%	F-150 in ID
Illinois	$1,360	$540	−14%	F-150 in IL
Indiana	$1,115	$435	−29%	F-150 in IN
Iowa	$1,055	$335	−33%	F-150 in IA
Kansas	$1,245	$435	−21%	F-150 in KS
Kentucky	$1,335	$570	−16%	F-150 in KY
Louisiana	$2,195	$855	+39%	F-150 in LA
Maine	$995	$460	−37%	F-150 in ME
Maryland	$1,780	$815	+13%	F-150 in MD
Massachusetts	$1,550	$640	−2%	F-150 in MA
Michigan	$1,710	$830	+8%	F-150 in MI
Minnesota	$1,305	$510	−17%	F-150 in MN
Mississippi	$1,500	$575	−5%	F-150 in MS
Missouri	$1,425	$555	−10%	F-150 in MO
Montana	$1,240	$425	−22%	F-150 in MT
Nebraska	$1,245	$435	−21%	F-150 in NE
Nevada	$1,855	$935	+17%	F-150 in NV
New Hampshire	$1,115	$435	−29%	F-150 in NH
New Jersey	$1,930	$1,010	+22%	F-150 in NJ
New Mexico	$1,410	$560	−11%	F-150 in NM
New York	$2,145	$1,005	+36%	F-150 in NY
North Carolina	$1,155	$485	−27%	F-150 in NC
North Dakota	$985	$300	−38%	F-150 in ND
Ohio	$1,120	$435	−29%	F-150 in OH
Oklahoma	$1,405	$510	−11%	F-150 in OK
Oregon	$1,435	$675	−9%	F-150 in OR
Pennsylvania	$1,365	$460	−14%	F-150 in PA
Rhode Island	$1,925	$885	+22%	F-150 in RI
South Carolina	$1,710	$790	+8%	F-150 in SC
South Dakota	$1,175	$340	−26%	F-150 in SD
Tennessee	$1,300	$490	−18%	F-150 in TN
Texas	$1,860	$745	+18%	F-150 in TX
Utah	$1,450	$705	−8%	F-150 in UT
Vermont	$1,005	$345	−36%	F-150 in VT
Virginia	$1,355	$675	−14%	F-150 in VA
Washington	$1,390	$640	−12%	F-150 in WA
West Virginia	$1,305	$470	−17%	F-150 in WV
Wisconsin	$1,070	$400	−32%	F-150 in WI
Wyoming	$1,200	$350	−24%	F-150 in WY

Ford F-150 insurance by driver profile

Estimated annual Ford F-150 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,825	$2,645	$4,345	$362
Young adult (22)	$1,060	$1,540	$2,530	$211
Adult in their 30s	$665	$960	$1,580	$132
Adult in their 50s	$610	$885	$1,455	$121
Senior (72)	$745	$1,080	$1,770	$148
30s, one at-fault accident	$960	$1,395	$2,290	$191
30s, DUI on record	$1,230	$1,780	$2,925	$244

Ford F-150 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Ford F-150	$1,580	92	84	—
Toyota Tacoma	$1,375	87	86	Compare
Tesla Cybertruck	$1,600	—	—	Compare
Chevrolet Silverado 1500	$1,725	94	90	Compare

Estimate Ford F-150 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

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Other Ford models

Expedition $1,370/yr
Explorer $1,400/yr
Bronco $1,260/yr
Bronco Sport $1,380/yr
Escape $1,625/yr
Maverick $1,485/yr
Mustang $1,865/yr
Mustang Mach-E $1,435/yr
Ranger $1,275/yr
F-150 Lightning $1,600/yr
Edge $1,365/yr
Transit Connect $1,425/yr
EcoSport $1,340/yr
GT $1,695/yr
Transit $1,435/yr
Fusion $1,355/yr
Fiesta $1,305/yr
Flex $1,285/yr
Taurus $1,340/yr
C-Max $1,305/yr
Focus $1,280/yr
E-Series $1,220/yr
Crown Victoria $1,260/yr
Explorer Sport Trac $1,240/yr
Taurus X $1,190/yr
Five Hundred $1,260/yr
Freestar $1,135/yr
Freestyle $1,190/yr
Thunderbird $1,445/yr

All Ford insurance costs →

Frequently asked questions

How much is insurance for a Ford F-150?

We estimate about $1,580 a year ($132 a month) for full coverage and $665 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 1% less than the average vehicle.

Is the Ford F-150 expensive to insure?

HLDI insurance-loss data rates it at 92 for collision and 84 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Ford F-150?

North Dakota has the lowest estimate (about $985 a year for full coverage) and Florida the highest (about $2,305).

What is the Ford F-150's NHTSA safety rating?

The 2026 Ford F-150 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Ford F-150 a commonly stolen car?

Yes. It ranks #7 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.

Is the Ford F-150 cheaper to insure than the Toyota Tacoma?

By our estimate the Ford F-150 costs about $1,580 a year versus $1,400 for the Toyota Tacoma, making the Toyota Tacoma cheaper to insure.

How much is Ford F-150 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,345 a year at national-average rates by our estimate.

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