The Ford F-150 continues to be America’s best-selling truck, known for its durability, versatility, and advanced features. As we enter 2025, understanding the insurance costs for this popular vehicle is crucial for current and prospective owners. This guide provides an up-to-date overview of F-150 insurance costs, factors affecting rates, and tips for finding the best coverage.
Average Insurance Costs for the Ford F-150
Based on the most recent data, the average annual insurance cost for a Ford F-150 in 2025 is $2,331. However, this can vary significantly depending on factors such as coverage type, driver profile, and location.
- Full Coverage: On average, full coverage for a Ford F-150 costs $2,568 per year or $214 per month.
- Minimum Coverage: The average cost for minimum coverage is $762 per year or $63.50 per month.
It’s important to note that these figures are averages, and individual rates can vary substantially based on personal factors and specific insurance providers.
Insurance Costs by Model Year
The model year of your F-150 can significantly impact insurance costs. Here’s a breakdown of average annual insurance costs for different model years:
- 2025 Ford F-150: $2,331
- 2024 Ford F-150: $1,145
- 2023 Ford F-150: $758
- 2022 Ford F-150: $1,668
- 2021 Ford F-150: $1,512
- 2020 Ford F-150: $1,500
- 2015 Ford F-150: $1,116
Generally, newer models tend to have higher insurance costs due to their higher value and more advanced features. However, they may also qualify for more safety discounts.
Quotes from Top Insurance Providers
Insurance rates can vary significantly between providers. Here are some estimated annual quotes from top insurance companies for a 2025 Ford F-150, based on a 40-year-old driver with a clean driving record:
- State Farm: $1,024
- GEICO: $1,092
- Progressive: $1,427
- Allstate: $1,319
- USAA (for military members): $1,080
- Farmers: $1,478
- Nationwide: $1,266
- Liberty Mutual: $1,550
- Travelers: $1,157
- American Family: $1,385
These quotes are averages and may not reflect your specific situation. It’s always recommended to get personalized quotes from multiple insurers.
Factors Influencing Insurance Costs
Several key factors can affect how much you pay for insurance on your Ford F-150:
- Driver’s Age and Experience: Younger drivers, especially those under 25, typically face higher premiums. For instance, a 20-year-old driver might pay up to 50% more than a 40-year-old for the same coverage.
- Location: Insurance rates can vary significantly based on where you live. For example, insuring an F-150 in Los Angeles might cost 30% more than in a small town in Iowa due to higher traffic density and crime rates.
- Driving History: A clean driving record can lead to significant discounts, while accidents or violations can increase rates by 20-40% or more.
- Credit Score: In many states, a good credit score can lead to lower insurance rates. Drivers with excellent credit might pay half as much as those with poor credit.
- Annual Mileage: Lower annual mileage can result in lower premiums. Drivers who travel less than 7,500 miles per year might save 10-15% compared to high-mileage drivers.
- Vehicle Trim and Features: Higher-end trims like the F-150 Platinum or Limited may cost more to insure due to their higher value and advanced features.
Types of Coverage Available
When insuring your Ford F-150, you have several coverage options:
- Liability Coverage: This is the minimum required coverage in most states, covering damages you cause to others.
- Collision Coverage: Covers damage to your F-150 from collisions with other vehicles or objects.
- Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, or natural disasters.
- Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who has insufficient or no insurance.
- Gap Insurance: Covers the difference between what you owe on your F-150 and its current market value in case of total loss.
Tips for Lowering Your F-150 Insurance Costs
- Compare Quotes: Get quotes from multiple insurers to find the best rates for your specific situation.
- Bundle Policies: Combining your auto insurance with homeowners or renters insurance can often lead to significant discounts.
- Increase Your Deductible: Opting for a higher deductible can lower your monthly premiums, but ensure you can afford the out-of-pocket expense if needed.
- Take Advantage of Discounts: Many insurers offer discounts for safe driving, low mileage, anti-theft devices, and more. Ask about all available discounts.
- Maintain a Good Credit Score: In states where it’s allowed, improving your credit score can lead to lower insurance rates.
- Consider Usage-Based Insurance: Some insurers offer programs that base your rates on your actual driving habits, which could lead to savings if you’re a safe driver.
Ford F-150 Safety Features and Their Impact on Insurance
The Ford F-150’s advanced safety features can help lower insurance costs. Some key safety features include:
- Pre-Collision Assist with Automatic Emergency Braking
- BLIS® (Blind Spot Information System) with Cross-Traffic Alert
- Lane-Keeping System
- Adaptive Cruise Control with Stop-and-Go
- 360-Degree Camera with Split-View Display
These features can reduce the likelihood of accidents, potentially leading to lower insurance premiums. Be sure to mention these features when getting insurance quotes.
Insuring your Ford F-150 is an essential aspect of ownership, protecting your investment and ensuring peace of mind on the road. While the average annual cost of $2,331 for full coverage in 2025 may seem significant, it’s important to remember that this figure can vary widely based on individual circumstances.
By understanding the factors that influence your insurance rates and taking advantage of available discounts and safety features, you can find a policy that offers comprehensive protection at a competitive price. Remember to shop around, compare quotes from multiple providers, and reassess your coverage needs periodically to ensure you’re getting the best deal for your Ford F-150 insurance.