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Ford F-150 Insurance Cost: What Drivers Actually Pay (August 2026)
Ford F-150 Insurance Cost: What Drivers Actually Pay (August 2026)
Author
Xuyun Zeng
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Credentials:
10 years in journalism
Best Business Writing (1st)
Insurance Writer
The Ford F-150 is a truck Americans picture when they hear the word “pickup,” and its insurance costs are more reasonable than its size suggests. F-150 drivers were quoted an average of $138 per month for state minimum coverage and $260 per month for full coverage over the past 12 months, according to Jerry’s data. Compared with other full-size trucks, the F-150 comes in cheapest by a slim margin.
Jerry is a licensed insurance broker that works with 100+ insurers across the country. We saw 105,875,317 real quotes in the past 12 months, and the numbers below come from what F-150 drivers were actually quoted.
F-150 drivers were quoted an average of $138 per month for state minimum coverage and $260 per month for full coverage over the past 12 months. Your own quote depends on your age, your state, your driving record and the specific truck you drive, and the sections below show how much each of those moves the number.
Average monthly quote, minimum coverage
Average monthly quote, full coverage
Lowest quote we've found, full coverage
Lowest quote we've found, state minimum
$138
$260
$138
$71
Last Updated Aug. 24, 2026
Based on Jerry customer quotes for the Ford F-150 over the past 12 months, excluding Hawaii and Alaska. Full coverage includes liability plus comprehensive and collision. Actual quotes vary by coverage, location and driver.
State minimum coverage satisfies your state’s legal requirement but pays nothing to repair or replace your own truck. Full coverage adds comprehensive and collision insurance, which is why it costs more and why most drivers with a newer F-150 carry it.
Is the F-150 expensive to insure?
The F-150 is not expensive to insure, whether you measure it against other trucks or against vehicles overall. For drivers aged 30 to 45 with a clean record and the same coverage package, the F-150 averaged $210 per month, which is less than the $232 average for full-size pickups as a class and less than the $266 average across all vehicles, according to Jerry’s data.
Benchmark
Average monthly quote, full coverage
All vehicles
$266
Full-size pickups
$232
Last Updated Aug. 24, 2026
Based on Jerry customer quotes for full coverage over the past 12 months, for drivers ages 30 to 45 with a clean record, excluding Hawaii and Alaska. Actual quotes vary by coverage, location and driver.
It helps that the F-150 is built in enormous numbers. The National Insurance Crime Bureau notes that the F-Series has been a top seller for a very long time, and a truck that common means repair shops know it well and parts are everywhere.
F-150 vs. Silverado, Ram 1500 and other full-size trucks
The F-150 came in cheapest by a slim margin among the five major full-size pickups over the past 12 months. The Chevrolet Silverado averaged $217 per month and the Ram 1500 averaged $267, according to Jerry’s data.
Make
Model
Lowest quote we've found, full coverage
Average monthly quote, full coverage
$127
$210
$135
$217
$166
$267
$143
$235
$138
$221
Last Updated Aug. 24, 2026
Based on Jerry customer quotes for full coverage over the past 12 months, for drivers ages 30 to 45 with a clean record, standardized so only the truck differs between rows. Excludes Hawaii and Alaska. Actual quotes vary by coverage, location and driver.
If you are cross-shopping trucks, compare the ones you’re considering side by side before you decide. In the past 12 months, the difference between the F-150 and Ram 1500 averaged $57 per month. A monthly difference between two trucks adds up quickly over time.
How much does F-150 insurance cost by model year?
Newer F-150s cost noticeably more to insure than older ones. A 2026 F-150 averaged $402 per month for full coverage over the past 12 months, while a 2015 averaged $259 and a 2005 just $183, according to Jerry’s data. A brand-new truck costs more to replace and carries more expensive technology, so comprehensive and collision claims on it are bigger.
Model year
Lowest quote we've found, full coverage
Average monthly quote, full coverage
Average monthly quote, minimum coverage
Lowest quote we've found, state minimum
2026
$215
$402
$161
$74
2025
$213
$387
$148
$74
2024
$194
$351
$142
$70
2023
$184
$331
$139
$70
2022
$192
$325
$143
$75
2021
$176
$320
$140
$72
2020
$173
$306
$142
$73
2019
$162
$280
$137
$72
2018
$158
$276
$142
$75
2017
$149
$272
$146
$72
2016
$151
$286
$156
$78
2015
$145
$259
$146
$76
2014
$133
$233
$136
$73
2013
$130
$233
$140
$73
2012
$123
$211
$132
$72
2011
$128
$230
$141
$74
2010
$128
$224
$140
$76
2009
$121
$208
$138
$76
2008
$117
$219
$142
$72
2007
$114
$200
$135
$72
2006
$113
$183
$128
$72
2005
$108
$183
$124
$69
2004
$110
$200
$138
$70
2003
$99
$178
$125
$65
2002
$97
$176
$130
$65
2001
$99
$172
$121
$65
2000
$93
$161
$118
$66
1999
$90
$167
$121
$64
1998
$101
$173
$134
$67
1997
$87
$159
$123
$65
1996
$78
$125
$102
$56
1995
$76
$132
$107
$58
1994
$79
$151
$108
$57
1993
$73
$121
$107
$58
1992
$68
$114
$95
$52
1991
$67
$117
$87
$46
1990
$60
$128
$93
$46
1989
$59
$126
$94
$37
1988
$61
$92
$66
$44
1987
$56
$96
$63
$38
1986
$80
$190
$161
$60
1985
$62
$138
$94
$46
Last Updated Aug. 24, 2026
Based on Jerry customer quotes for the Ford F-150 over the past 12 months, by model year, excluding Hawaii and Alaska. Actual quotes vary by coverage, location and driver.
The drop is steep enough that it changes the coverage math on older trucks. A 2000 F-150 averaged $161 per month for full coverage. At some point the truck’s market value gets low enough that some owners of older, paid-off F-150s decide to drop to state minimum, while others keep full coverage because they couldn’t easily absorb losing the truck. If you’re weighing that decision, our guide to how much car insurance you need covers where drivers usually draw the line.
F-150 Lightning vs. gas F-150
Insuring the electric F-150 Lightning currently costs far more than the gas truck. Lightning drivers were quoted an average of $539 per month for full coverage over the past 12 months, while gas F-150 drivers averaged $258, according to Jerry’s data. If you’re pricing a Lightning, get quotes before you buy so the insurance bill doesn’t surprise you, and know that electric car insurance quotes vary widely between insurers, so comparing several matters even more than it does for the gas truck.
Where you live changes what you’re quoted for the same truck. Texas F-150 drivers averaged $297 per month for full coverage over the past 12 months, California drivers $295, Georgia drivers $312 and Florida drivers $193, according to Jerry’s data. New York drivers averaged $525, among the highest anywhere.
State
Lowest quote we've found, full coverage
Average monthly quote, full coverage
Average monthly quote, minimum coverage
Lowest quote we've found, state minimum
$96
$169
$79
$46
$100
$158
$75
$48
$123
$211
$127
$75
$151
$295
$139
$75
$125
$216
$107
$59
$189
$328
$213
$128
$294
$406
$138
$195
$119
$85
$111
$193
$94
$57
$177
$312
$209
$121
$73
$134
$63
$29
$85
$166
$91
$45
$105
$193
$98
$56
$92
$154
$78
$47
$96
$160
$88
$52
$155
$308
$169
$89
$123
$230
$126
$69
$166
$269
$152
$83
$194
$344
$222
$122
$84
$151
$69
$40
$131
$213
$114
$68
$112
$191
$105
$56
$121
$212
$113
$62
$97
$183
$85
$53
$76
$130
$67
$38
$92
$169
$104
$56
$122
$192
$110
$48
$97
$196
$93
$48
$66
$159
$82
$34
$195
$313
$206
$126
$82
$125
$69
$44
$199
$322
$209
$127
$180
$525
$279
$76
$99
$173
$84
$48
$103
$202
$99
$52
$110
$196
$117
$65
$123
$248
$100
$47
$162
$255
$167
$102
$164
$279
$184
$103
$91
$154
$73
$35
$99
$166
$81
$48
$170
$297
$150
$88
$123
$194
$120
$74
$154
$260
$152
$90
$64
$87
$35
$26
$139
$241
$128
$72
$92
$155
$72
$35
$110
$187
$93
$61
$72
$159
$55
$28
Last Updated Aug. 24, 2026
Based on Jerry customer quotes for the Ford F-150 over the past 12 months, by state. Excludes Hawaii and Alaska. Actual quotes vary by coverage, location and driver.
State pricing reflects each state’s required coverage, weather and accident claims, repair costs and how many uninsured drivers are on the road. You can’t change it, but it explains why a friend two states over pays a very different bill for the same truck.
How age changes what an F-150 driver is quoted
Age moves the price of F-150 insurance more than almost anything else. Drivers aged 18 to 20 averaged $484 per month for full coverage over the past 12 months, while drivers aged 55 to 64 averaged $180, according to Jerry’s data. The number falls through a driver’s twenties and thirties, then levels off after 65, when drivers averaged $185.
Age group
Lowest quote we've found, full coverage
Average monthly quote, full coverage
Average monthly quote, minimum coverage
Lowest quote we've found, state minimum
18-20
$262
$484
$262
$136
21-24
$214
$370
$190
$105
25-34
$158
$274
$140
$78
35-44
$131
$223
$122
$69
45-54
$117
$200
$113
$63
55-64
$108
$180
$100
$57
65+
$110
$185
$108
$60
Last Updated Aug. 24, 2026
Based on Jerry customer quotes for the Ford F-150 over the past 12 months, by driver age band, excluding Hawaii and Alaska. Actual quotes vary by coverage, location and driver.
Age isn’t something you can do anything about, but it does mean a young driver, or a parent shopping for car insurance for teens, gains the most from comparing insurers, because the differences between quotes are largest at the top of the price range.
Which insurers are cheapest for the F-150?
GEICO delivered the lowest average F-150 full-coverage quote over the past 12 months, at $146 per month, according to Jerry’s data. Mercury averaged $176 and Progressive$176, while Liberty Mutual averaged $217 and Sentry $285 for the same truck.
Insurer
Lowest quote we've found, full coverage
Average monthly quote, full coverage
Average monthly quote, minimum coverage
Lowest quote we've found, state minimum
$91
$146
$78
$45
$106
$151
$99
$73
$113
$161
$100
$68
$109
$170
$84
$53
$103
$176
$107
$63
$88
$176
$102
$50
$117
$198
$102
$63
$111
$211
$110
$64
$122
$217
$159
$64
$134
$237
$115
$65
$142
$237
$107
$70
$133
$248
$130
$66
$142
$249
$131
$73
$157
$255
$131
$76
$137
$260
$146
$71
$170
$260
$104
$73
$149
$261
$148
$78
$146
$267
$149
$80
$128
$268
$137
$61
$144
$269
$152
$76
$174
$275
$154
$89
$170
$275
$240
$123
$144
$275
$119
$68
$183
$283
$146
$93
$167
$285
$149
$81
$200
$287
$131
$98
$163
$293
$165
$88
$206
$328
$158
$100
$192
$360
$214
$105
$170
$456
$263
$114
$237
$484
$171
$85
Last Updated Aug. 24, 2026
Based on Jerry customer quotes for the Ford F-150 over the past 12 months, by insurer, excluding Hawaii and Alaska. Actual quotes vary by coverage, location and driver.
No single insurer is cheapest for every F-150 driver. Each one weighs your age, record, state and truck differently, which is why the averages above differ by more than $300 per month for the same truck. The only way to know which insurer prices your profile best is to compare car insurance quotes from several at once.
How to pay less to insure your F-150
There’s plenty you can do about your own quote.
Compare quotes from multiple insurers. The insurer averages above differ by more than $300 per month for the same truck, and no insurer is cheapest for everyone. Shopping for car insurance at every renewal is the single most reliable way to pay less, and Jerry compares quotes from 100+ insurers in minutes, without any long forms or phone calls.
Raise your deductible. A higher deductible lowers your monthly bill in exchange for paying more out of pocket if you file a claim. It makes sense if you have savings to absorb that hit.
Match coverage to the truck’s value. Full coverage is worth it on a newer F-150. On a 2000 F-150 quoted at $161 per month for full coverage, it’s worth an honest look at whether state minimum makes more sense for you.
Ask about discounts. Anti-theft equipment, low annual mileage, telematics programs and paying in full are common ways to save on a truck policy, but insurers don’t always apply the ones you qualify for automatically. Jerry checks which discounts you’re eligible for so savings don’t slip through the cracks.
Bundle your policies. Jerry customers save up to 40% when they bundle home and auto. If you own your home, it’s worth pricing the bundle alongside your truck quotes.
Does the F-150’s theft record raise its insurance cost?
Full-size Ford pickups are among the most stolen vehicles in the country. NICB’s theft report placed the Ford full-size pickup second in the nation with 47,999 thefts in 2021, behind only the Chevrolet full-size pickup. The NICB attributes those numbers largely to how many of these trucks are on the road.
Theft claims are paid under comprehensive coverage, which is part of full coverage. With that theft record in the mix, F-150 full-coverage quotes came in below the all-vehicle average, so theft is not making this truck expensive to insure overall. Parking in well-lit areas and adding a tracking or immobilizing device are among the anti-theft steps the NICB recommends for truck owners, and some insurers offer discounts for anti-theft equipment, so it’s worth asking when you get quotes.
Does the aluminum body make the F-150 more expensive to insure?
The aluminum body has not made the F-150 expensive to insure. Ford switched the F-150 to an all-aluminum body for the 2015 model year, cutting up to 700 pounds from the truck. Crash tests at the time found repairs on the aluminum truck ran 26 percent higher than on the steel 2014 model.
Real-world claims told a different story. When the Highway Loss Data Institute analyzed actual insurance claims on the aluminum trucks, it found no difference in overall losses. If you own a 2015-or-newer F-150, the body material is not a reason to expect a higher quote.
Does trim or cab configuration change the cost?
Trim and cab configuration matter less to your quote than your age, state and driving record do. If you’re asking about the King Ranch, SuperCab or SuperCrew specifically, Jerry’s quote data doesn’t show what each trim pays, so we won’t put numbers on it. Insurers do quote your exact truck by its VIN, so the fastest way to find out what your specific configuration costs is to run quotes on it rather than rely on model-wide averages.
What coverage does a financed F-150 need?
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled. Full coverage on the F-150 averaged $260 per month over the past 12 months, according to Jerry’s data.
What about using an F-150 for work?
A lot of F-150s earn their keep, and insurance treats that differently. This page covers personal auto insurance, which is what Jerry quotes. If your truck is owned by a business or used for business hauling, you’ll want to talk to an insurer about a commercial auto policy, which is a separate product. If you drive for a rideshare or delivery app in your truck, rideshare insurance is the middle ground worth asking about.
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Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.
Our experts
Xuyun Zeng
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
