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 car of the same age: more injury claims and more damage to others' property and lower non-crash losses and lower crash-repair losses about even out. Putting a new 16-year-old on a family policy with the F-150 adds about $1,310 a year (#2 of 5 large pickups we compare).
2024 Ford F-150 (F150 Pickup 2WD), national average
about $1,990 a year (about $165 a month)
Estimated range: $1,450–$2,650. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 F-150 drops to about $1,510 (see the table below).
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Priced for the 2024 F150 Pickup 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Ford F-150's rank is the same in every state.
Why the Ford F-150 costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 3 versions (Ford F-150, Ford F-150 SuperCab and Ford F-150 SuperCrew). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 92 for crash repairs, 84 for non-crash damage, 111 for damage to others' property, and 121 for injury claims.
- Crash repairs (collision)fixing this car after a crashAverage8% better than average2nd best of the 5 large pickups we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage16% better than average2nd best of the 5 large pickups we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage11% worse than average2nd best of the 5 large pickups we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 21% more often than average3rd best of the 5 large pickups we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Ford F-150 comes out about 10% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 4% less than average: about $910 a year vs $950. On the liability side, damage to others and injury claims combine to about 17% worse than average. We count about half, so that part is about 9% more: $1,080 a year vs $990.
In EPA size classes, the F-150 is a full-size pickup (gas-powered). In Highway Loss Data Institute loss tables, the Ford F-150 is benchmarked against large pickups.
Matched to HLDI series “Ford F-150; Ford F-150 SuperCab; Ford F-150 SuperCrew” (HLDI, 2022–24 models).
A used Ford F-150, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 F150 Pickup 2WD (0–3 years old) | about $1,990 | about $1,080 | +$1,310 | about $5,710 |
 2022 F150 Pickup 2WD (4–7 years old) | about $1,880 | about $1,080 | +$1,240 | about $5,400 |
 2018 F150 Pickup 2WD (8–12 years old) | about $1,740 | about $1,080 | +$1,150 | about $5,000 |
 2013 F150 Pickup 2WD (13 or more years old) | about $1,510 | about $1,030 | +$990 | about $4,320 |
Our catalog covers the Ford F-150 across model years 2006–2026. Full coverage on a used 2013 F-150 (13 or more years old) runs about $1,510 a year, $490 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,030 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 Ford F-150 trims, full coverage goes from about $1,800 a year on the F150 Pickup 4WD HEV to about $1,990 on the F150 Pickup 2WD, because HLDI's loss results differ by body, drive, 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
On a policy of their own with a 2024 Ford F-150, a 22–25-year-old pays about $2,590 a year ($600 more than a 45-year-old), a 26–39-year-old about $2,210, and a driver 65 and older about $2,090.
Adding a 16-year-old with a Ford F-150
Adding a new 16-year-old who drives the Ford F-150 raises the family bill by about $1,310 a year ($110 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,710 a year, so keeping them on the family policy saves about $4,400 a year.
For adding a teen driver, the Ford F-150 ranks 48th most expensive out of all 121 models we track. Stepping down to a used 2013 F-150 (13 or more years old) brings the teen add-on to about $990 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar large pickups
Among these 5 large pickups, the Ford F-150 is the 2nd least expensive to insure. Right next to it are the Toyota Tundra (about $1,920 a year) and the GMC Sierra (about $2,010).
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)
Photos from Wikimedia Commons contributors. Photo credits.
What a Ford F-150 costs in your state
In six sample states, a 2024 Ford F-150 runs from about $1,360 a year in Idaho through Ohio, Minnesota, Utah and Michigan to about $2,620 in New York:
- Idahoabout $1,360/yr · +$900 teen
- Ohioabout $1,440/yr · +$950 teen
- Minnesotaabout $1,690/yr · +$1,120 teen
- Utahabout $1,780/yr · +$1,170 teen
- Michiganabout $2,180/yr · +$1,440 teen
- New Yorkabout $2,620/yr · +$1,730 teen
All 50 states and DC · Updated .
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 nothing you type is sent to us. Only an insurer can give you a real price.