How much is insurance on a Ford F-150?
A 2024 Ford F-150 runs about $1,990 a year for a typical 45-year-old, about the same as an average 2024 car: its claims are close to an average car's.
2024 Ford F-150, national average
about $1,990 a year (about $165 a month)
roughly $1,450–$2,650
An average 2024 car: about $1,940. An older Ford F-150 costs less (below).
Priced: the 2024 F150 Pickup 2WD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Ford F-150, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $1,990 | about $1,080 | +$1,310 | about $5,710 |
| 2022 (4–7 years old) | about $1,880 | about $1,080 | +$1,240 | about $5,400 |
| 2018 (8–12 years old) | about $1,760 | about $1,080 | +$1,160 | about $5,060 |
| 2013 (13 or more years old) | about $1,640 | about $1,080 | +$1,080 | about $4,720 |
We list the Ford F-150 for 2006–2026. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2024 Ford F-150 runs from about $1,800 a year (F150 Pickup 4WD HEV) to about $1,990 (F150 Pickup 2WD): the claims data differs by drive, body, or powertrain.
- F150 Pickup 4WD HEV: about $1,800
- F150 Pickup 4WD; F150 Pickup Tremor 4WD; F150 RAPTOR 4WD; F150 RAPTOR R 4WD: about $1,830
- F-150 Lightning 4WD; F-150 Lightning 4WD Extended Range; F-150 Lightning Platinum 4WD; F-150 Lightning PRO 4WD Extended Range: about $1,980
- F150 Pickup 2WD: about $1,990
The Ford F-150 for other drivers on their own policy, a year: 22–25, $2,590; 26–39, $2,210; 65 and older, $2,090.
Adding a 16-year-old with a Ford F-150
A new 16-year-old driving the Ford F-150 adds about $1,310 a year ($110 a month), about the same as with an average car.
For adding a teen, the Ford F-150 ranks 48th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Ford F-150 costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- lower than average
- Theft and weather
- lower than average
- Damage to others
- higher than average
- Injuries to others
- much higher than average
The part that fixes or replaces the Ford F-150: about $910, against $950 for an average 2024 car (4% less). The part that pays for harm to others: about $1,080, against $990 for an average car (9% more).
By the EPA's size classes it's a full-size pickup, and it's gas-powered. The Highway Loss Data Institute groups it with large pickups.
Matched to “Ford F-150; Ford F-150 SuperCab; Ford F-150 SuperCrew” in HLDI's results.
Similar large pickups
Among these 5 large pickups, the Ford F-150 is the 2nd least expensive to insure.
- 2024 Toyota Tundraabout $1,920 ($70 less)
- 2024 Ford F-150about $1,990 (this car)
- 2024 GMC Sierraabout $2,010 (about the same)
- 2024 Chevrolet Silveradoabout $2,130 ($140 more)
- 2024 Ram 1500about $2,180 ($190 more)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.