Ford F-150 Insurance Cost in New York

Insuring a Ford F-150 in New York costs about $2,145 a year ($179/month) for full coverage by our estimate — +36% versus the same car nationally — the 3rd most expensive of 51 states for this model.

Ford F-150 (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 in New York at a glance

Full coverage

$2,145

$1,760–$2,530

25/50/10 minimum

$1,005

$84/mo

Same car nationally

$1,580

full coverage

Avg. car in NY

$2,130

+1% for the F-150

The Ford F-150 is 1% more expensive than the average vehicle to insure in New York, reflecting HLDI collision losses of 92 and comprehensive losses of 84 (100 = average). New York's own base rates are 37% higher than the national average, which carries through to every model.

New York factors that affect F-150 premiums

Uninsured drivers: 8.6% of New York drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your F-150.
Theft: 126 vehicle thefts per 100,000 residents (U.S. 197); the F-150 is #7 on the national most-stolen list.
Weather: FEMA rates New York's expected annual losses as relatively low for hail, relatively moderate for tornado, relatively moderate for hurricane, relatively high for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 0.91 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: No-fault, with required personal injury protection.

Car insurance rules and costs in New York →

Ford F-150 insurance cost in New York cities

City	Full coverage	Minimum	vs. state
New York City	$2,605	$1,220	+21%
Buffalo	$1,985	$935	−7%
Yonkers	$2,375	$1,115	+11%
Rochester	$1,955	$920	−9%
Syracuse	$1,940	$910	−10%
Albany	$1,945	$920	−9%
New Rochelle	$2,270	$1,065	+6%
Mount Vernon	$2,410	$1,130	+12%
Plattsburgh	$1,850	$875	−14%

Ford F-150 insurance in New York by driver

Estimated annual Ford F-150 premium in New York
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,765	$4,010	$5,900	$492
Young adult (22)	$1,610	$2,330	$3,435	$286
Adult in their 30s	$1,005	$1,460	$2,145	$179
Adult in their 50s	$925	$1,340	$1,975	$165
Senior (72)	$1,125	$1,635	$2,405	$200
30s, one at-fault accident	$1,460	$2,115	$3,110	$259
30s, DUI on record	$1,860	$2,695	$3,970	$331

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
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.	$1,005	$84	$825–$1,185
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,460	$121	$1,195–$1,720
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,145	$179	$1,760–$2,530

New York minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in New York

Model	Full coverage in NY	vs. F-150
Toyota Tacoma	$1,870	−13%
Tesla Cybertruck	$2,165	+1%
Chevrolet Silverado 1500	$2,390	+11%
Nissan Frontier	$1,995	−7%

Estimate your F-150 premium by ZIP code

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

Estimated annual premium

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Ford F-150 insurance cost in every state · All Ford models

Frequently asked questions

How much is Ford F-150 insurance in New York?

About $2,145 a year ($179 a month) for full coverage and $1,005 for New York's minimum liability, for a driver in their 30s with a clean record. That is 36% more than the national estimate for the same car.

Is the Ford F-150 cheaper to insure than the average car in New York?

The average vehicle in New York is about $2,130 a year for full coverage in our model, so the Ford F-150 is 1% more expensive than average.

Where in New York is Ford F-150 insurance cheapest?

Among the largest New York cities, Plattsburgh has the lowest estimate (about $1,850) and New York City the highest (about $2,605).

What insurance do I need for a Ford F-150 in New York?

New York requires at least 25/50/10 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.

Sources used on this page