Ford F-150 Insurance Cost in Maryland
Insuring a Ford F-150 in Maryland costs about $1,780 a year ($148/month) for full coverage by our estimate — +13% versus the same car nationally — the 12th most expensive of 51 states for this model.
Ford F-150 insurance in Maryland at a glance
The Ford F-150 is about the same as the average vehicle to insure in Maryland, reflecting HLDI collision losses of 92 and comprehensive losses of 84 (100 = average). Maryland's own base rates are 15% higher than the national average, which carries through to every model.
Maryland factors that affect F-150 premiums
- Uninsured drivers: 16.9% of Maryland drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your F-150.
- Theft: 316 vehicle thefts per 100,000 residents (U.S. 197); the F-150 is #7 on the national most-stolen list.
- Weather: FEMA rates Maryland's expected annual losses as relatively low for hail, relatively moderate for tornado, relatively moderate for hurricane, relatively low for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.01 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
Ford F-150 insurance cost in Maryland cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Baltimore | $1,965 | $895 | +10% |
| Frederick | $1,910 | $875 | +7% |
| Gaithersburg | $1,965 | $900 | +10% |
| Rockville | $1,955 | $895 | +10% |
| Bowie | $1,970 | $900 | +11% |
| Hagerstown | $1,830 | $840 | +3% |
| Annapolis | $1,945 | $890 | +9% |
| College Park | $1,900 | $865 | +7% |
Ford F-150 insurance in Maryland by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,240 | $3,120 | $4,900 | $408 |
| Young adult (22) | $1,300 | $1,815 | $2,850 | $238 |
| Adult in their 30s | $815 | $1,135 | $1,780 | $148 |
| Adult in their 50s | $750 | $1,045 | $1,640 | $137 |
| Senior (72) | $910 | $1,270 | $1,995 | $166 |
| 30s, one at-fault accident | $1,180 | $1,645 | $2,585 | $215 |
| 30s, DUI on record | $1,505 | $2,100 | $3,295 | $275 |
Coverage levels
| 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. | $815 | $68 | $665–$960 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,135 | $95 | $930–$1,340 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,780 | $148 | $1,460–$2,100 |
Maryland minimum: 30/60/15 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Maryland
| Model | Full coverage in MD | vs. F-150 |
|---|---|---|
| Toyota Tacoma | $1,570 | −12% |
| Tesla Cybertruck | $1,825 | +3% |
| Chevrolet Silverado 1500 | $1,980 | +11% |
| Nissan Frontier | $1,665 | −6% |
Estimate your F-150 premium by ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Ford F-150 insurance cost in every state · All Ford models
Frequently asked questions
How much is Ford F-150 insurance in Maryland?
About $1,780 a year ($148 a month) for full coverage and $815 for Maryland's minimum liability, for a driver in their 30s with a clean record. That is 13% more than the national estimate for the same car.
Is the Ford F-150 cheaper to insure than the average car in Maryland?
The average vehicle in Maryland is about $1,785 a year for full coverage in our model, so the Ford F-150 is about the same as average.
Where in Maryland is Ford F-150 insurance cheapest?
Among the largest Maryland cities, Hagerstown has the lowest estimate (about $1,830) and Bowie the highest (about $1,970).
What insurance do I need for a Ford F-150 in Maryland?
Maryland requires at least 30/60/15 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- Maryland Insurance Administration: Uninsured Motorist coverage
- Maryland Insurance Administration: Notice and Waiver of PIP
- Maryland Insurance Administration: Understanding Enhanced Underinsured Motorist Coverage
- Maryland MVA: Auto Insurance Requirements
- Maryland Insurance Administration: File A Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey