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The average insurance cost for a Ford F-series in 2024 is $2,202 per year. The Ford F-series was among the 25 best-selling cars in the U.S. last year, according to Kelley Blue Book.

But no matter whether you bought your Ford F-series new or used, it’s a big investment – the average new car buyer in the U.S. paid $48,334 in July 2023, according to Kelley Blue Book. The cost of insuring a car can vary greatly, so be mindful of how much car insurance costs if you want to stay within a monthly budget.

Key Takeaways

  • The annual average nationwide rate for a Ford F-series is $2,202.
  • State Farm offers the cheapest car insurance for a Ford F-series.
  • The cheapest states for insurance for a Ford F-series are Maine, Hawaii and New Hampshire.
  • The most expensive states for insurance for a Ford F-series are Louisiana, South Dakota and Florida.
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How much does it cost to insure a Ford F-series?

Full coverage car insurance for a Ford F-series is less than the nationwide average of $2,305 per year. Full coverage comprises liability insurance, comprehensive and collision and is much more expensive than liability coverage alone.

The age of your vehicle and its make, model and trim all affect car insurance rates, in additional to personal factors about the driver(s), homeowner status and location.

The table below shows annual rates for full coverage car insurance for a Ford F-series.

Graph
Table
ModelAverage full coverage cost annuallyAverage full coverage cost monthly
Ford F-150$1,959$163
Ford F-150 Lightning$2,576$215
Ford F-150 Raptor$2,149$179
Ford F-250$2,273$189
Ford F-350$2,347$196
Ford F-450$3,010$251

Ford-F-Series insurance cost

$163 per month
car image$1,959 per year

Car insurance cost for a Ford F-series, by age

Cost of Ford F-series insurance for 18-year-olds

Insurance rates vary significantly by age. Teens pay the highest rates for car insurance because they are riskier drivers and have less experience driving.

Car insurance for an 18-year-old driving a Ford F-series costs $8,145 per year. The table below shows the cost of car insurance for an 18-year-old driving a Ford F-series.

ModelAverage annual full coverage costAverage monthly full coverage cost
Ford F-150$7,305$609
Ford F-150 Lightning$9,353$779
Ford F-150 Raptor$7,994$666
Ford F-250$8,280$690
Ford F-350$8,621$718
Ford F-450$11,113$926

Ford F-series auto insurance cost, by state

Car insurance rates vary significantly by state. State laws and a state’s no-fault vs. tort classification all affect how much folks pay for car insurance in a state and individual factors.

Full coverage car insurance for a Ford F-series costs $2,202 per year. See the annual and monthly rates by state for a Ford F-series in each state in the table below.

Graph
Table
StateAnnual premiumMonthly premium
Alabama$2,193$183
Alaska$1,818$152
Arizona$2,291$191
Arkansas$2,419$202
California$2,749$229
Colorado$2,877$240
Connecticut$1,991$166
Delaware$2,305$192
Florida$2,891$241
Georgia$2,545$212
Hawaii$1,484$124
Idaho$1,667$139
Illinois$2,070$173
Indiana$1,896$158
Iowa$1,968$164
Kansas$2,257$188
Kentucky$2,626$219
Louisiana$3,312$276
Maine$1,477$123
Maryland$2,105$175
Massachusetts$2,098$175
Michigan$2,806$234
Minnesota$2,298$192
Mississippi$2,091$174
Missouri$2,517$210
Montana$2,356$196
Nebraska$2,493$208
Nevada$2,022$169
New Hampshire$1,560$130
New Jersey$2,154$180
New Mexico$2,344$195
New York$1,708$142
North Carolina$1,957$163
North Dakota$1,977$165
Ohio$1,818$152
Oklahoma$2,280$190
Oregon$2,057$171
Pennsylvania$2,171$181
Rhode Island$2,551$213
South Carolina$2,228$186
South Dakota$2,924$244
Tennessee$2,416$201
Texas$2,627$219
Utah$2,040$170
Vermont$1,576$131
Virginia$1,600$133
Washington$1,821$152
Washington, D.C.$2,428$202
West Virginia$2,060$172
Wisconsin$1,782$149
Wyoming$2,604$217
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

10 most expensive states for car insurance for a Ford F-series

The most expensive states for full coverage car insurance for a Ford F-series are as follows:

  1. Louisiana
  2. South Dakota
  3. Florida
  4. Colorado
  5. Michigan
  6. California
  7. Texas
  8. Kentucky
  9. Wyoming
  10. Rhode Island

10 cheapest states for car insurance for a Ford F-series

The cheapest states for full coverage car insurance for a Ford F-series are as follows:

  1. Maine
  2. Hawaii
  3. New Hampshire
  4. Vermont
  5. Virginia
  6. Idaho
  7. New York
  8. Wisconsin
  9. Ohio
  10. Alaska

Ford F-series insurance cost, by city

Car insurance rates for a Ford F-series also vary based upon your location. In the top 10 U.S. cities (by population), rates for a Ford F-series range from $2,281 in New York, New York to $3,672 in Los Angeles, California. See more rates in the top 10 cities in the table below.

CityAverage annual full coverage premium
Chicago, Illinois$2,312
Houston, Texas$2,885
Los Angeles, California$3,672
New York, New York$2,281
Philadelphia, Pennsylvania$3,335
Phoenix, Arizona$3,009
San Antonio, Texas$2,651
San Jose, California$2,423

Car insurance cost for a Ford F-series, by company

Car insurance rates also vary by company – each insurer has a proprietary rating algorithm that sets rates based on risk. So, insurance for a Ford F-series may be more expensive from one insurer than another, so you get quotes from several insurers before committing to a policy.

“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer,” says Jim Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “Certain models and trims – for example, a brand-new fire-engine red – convertible sports car, turn out to be more risky to the insurance company than a 15-year-old sedan that can barely top out at 65 mph.”

See insurance rates for a Ford F-series from several insurers in the table below.

Company-wise average rates for insuring a Ford F-series

Graph
Table
CompanyAverage annual premiumAverage 6-month premiumAverage monthly premium
Allstate$3,144$1,572$262
Farmers$2,761$1,381$230
Geico$1,915$958$160
Nationwide$1,652$826$138
Progressive$2,272$1,136$189
State Farm$1,534$767$128

This model is one of the most popular cars in 2023, according to Kelley Blue Book. Here’s a list of the top 25 best-selling vehicles of 2023:

  1. Ford F-Series
  2. Chevrolet Silverado
  3. Ram Pickup
  4. Toyota RAV4
  5. Tesla Model Y
  6. Honda CR-V
  7. GMC Sierra
  8. Toyota Camry
  9. Nissan Rogue
  10. Jeep Grand Cherokee
  11. Toyota Tacoma
  12. Tesla Model 3
  13. Toyota Corolla
  14. Chevrolet Equinox
  15. Hyundai Tucson
  16. Honda Civic
  17. Honda Accord
  18. Ford Explorer
  19. Toyota Highlander
  20. Subaru Outback
  21. Subaru Crosstrek
  22. Jeep Wrangler
  23. Mazda CX-5
  24. Subaru Forester
  25. Ford Escape

Car insurance averages by make and model

Car insurance rates vary by make and model. In general, cars that are more expensive – think luxury vehicles, EVs and sports cars – are more expensive to insure. Cars with smaller engines and a lot of safety features are cheaper to insure.

See the average annual full coverage rates for the top 25 most popular vehicles in 2023 in the table below.

ModelAverage annual full coverage premium
Chevrolet Equinox$1,835
Chevrolet Silverado$2,157
Ford Escape$1,850
Ford Explorer$2,061
Ford F-series$2,202
GMC Sierra$2,154
Honda Accord$2,020
Honda Civic$2,059
Honda CR-V$1,722
Hyundai Tucson$1,828
Jeep Grand Cherokee$2,148
Jeep Wrangler$1,861
Mazda CX-5$1,773
Nissan Rogue$1,962
Ram Pickup$2,233
Subaru Crosstrek$1,790
Subaru Forester$1,757
Subaru Outback$1,797
Tesla Model 3$3,397
Tesla Model Y$3,115
Toyota Camry$2,093
Toyota Corolla$2,189
Toyota Highlander$1,980
Toyota RAV4$1,898
Toyota Tacoma$1,917

Which body styles are cheaper or more expensive for car insurance?

Sedans tend to be more expensive to insure than trucks or SUVs for several reasons – they’re a higher theft risk and they’re smaller than SUVs and trucks, so they are more likely to be damaged in a crash with a larger vehicle.

Below, see annual rates for full coverage for sedans, SUVs and trucks.

Body typeAverage annual premiumAverage monthly premium
Convertible$2,768 $231
Electric$2,799 $233
Hatchback$1,976 $165
Hybrid$2,307 $192
Luxury Car$3,078 $257
Luxury SUV$2,615 $218
Minivan$1,956 $163
Performance SUV$3,129 $261
Sedan$2,120 $177
Sports Car$3,229 $269
Station Wagon$2,471 $206
SUV$1,935 $161
Truck$2,152 $179
Van$1,795 $150

How does my car’s trim level affect car insurance?

A car’s trim level can significantly impact insurance rates due to the varying features of each package. Higher trim levels often include powerful engines and luxury options that could increase the vehicle’s value and the cost to insure it.

“Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future payout from the insurance company,” Brau says. “Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”

Additionally, advanced safety features in upper trim levels may lower rates, while customizations and added performance capabilities typically raise them due to higher repair costs. Insurers consider all these factors when determining premiums, making the trim level a crucial variable in the cost of car insurance.

See the trim levels of a Ford F-series and their full coverage premiums in the table below.

Trim LevelAnnual full coverage preimum
F-150 King Ranch$2,111
F-150 Lariat$2,020
F-150 Limited$2,303
F-150 Platinum$2,131
F-150 XL$1,862
F-150 XLT$1,902
F-150 Lightning Lariat$2,529
F-150 Lightning Platinum$2,592
F-150 Lightning Pro$2,592
F-150 Lightning XLT$2,591
F-150 Raptor$2,209
F-150 Raptor R$2,090
F-250 SD King Ranch$2,461
F-250 SD Lariat$2,336
F-250 SD XL$2,195
F-250 SD XLT$2,216
F-350 SD King Ranch$2,497
F-350 SD Lariat$2,375
F-350 SD Limited$2,452
F-350 SD Platinum$2,522
F-350 SD XL$2,255
F-350 SD XLT$2,277
F-450 SD King Ranch$3,098
F-450 SD Lariat$2,996
F-450 SD Limited$3,238
F-450 SD XL$2,875
F-450 SD XLT$2,952

How to save on car insurance for a Ford F-series

Are you paying for more coverage than you need? Depending on your driving habits, you may not require the maximum coverage for areas such as collision or comprehensive. If you have an older car, scaling back on full coverage is an option. However, tread carefully; reducing coverage significantly could expose you to risk.

Other ways to save on car insurance for a Ford F-series:

  • Shop your coverage every six months or annually before your policy renews
  • Increase your deductible if you have savings to cover it
  • Drive safely to avoid violations
  • Maintain a good credit score
  • Bundle home and auto policies

Ford F-series discounts on car insurance

Certain safety features can mean significant savings. From anti-lock brakes to airbags and even high-tech systems like lane departure warnings, the safer your car is, the less you’ll likely pay for insurance.

In addition to vehicle discounts, drivers may qualify for the following discounts:

  • Telematics discounts
  • Multiple policies
  • Loyalty
  • Good driver/safe driver
  • Good student
  • Savings for driving less/low annual mileage
  • Senior discount
  • Educational/professional discounts
  • Signing early/paying in full
  • Paperless/autopay
expert

What our expert says

Q: Why do car insurance rates vary by vehicle model and trim level?

expert-image
Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University
“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer. Certain models and trims – for example, a brand-new fire-engine red – convertible sports car, turn out to be more risk to the insurance company than a 15-year-old sedan that can barely top out at 65 mph. Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future pay out from the insurance company. Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”

Resources & Methodology

Sources:

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

40-year-old male

Our hypothetical driver

100/300/100

Full coverege rates

6

Major carriers in the U.S.

author image
Laura Longero
Executive Editor

 
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Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.

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