If you’re wondering how much it will cost to insure your Ford F-150 in 2025, you’re in the right place. Insurance rates for the Ford F-150 vary based on your location, driving record and model year.
The average annual cost to insure a 2023 Ford F-150 is $2,335. However, this rate can vary depending on the model year. For example, a 2021 F-150 might cost around $2,134 annually, while a 2018 model could be more affordable at $1,925 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Ford F-150.
What is the cost to insure your Ford F-150 in 2025?
The average cost to insure a Ford F-150 is $205 per month, or $2,458 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Ford F-150
Nationwide offers the lowest car insurance rates for your Ford F-150, with an average cost of $2,037 per year or $170 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Ford F-150.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,037 | $1,019 | $170 |
| Geico | $2,070 | $1,035 | $173 |
| State Farm | $2,172 | $1,086 | $181 |
| Progressive | $2,484 | $1,242 | $207 |
| Farmers | $2,858 | $1,429 | $238 |
| Allstate | $3,152 | $1,576 | $263 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Ford F-150 car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Ford F-150 will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Ford F-150, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,653 | $827 | $138 |
| 2015 | $1,780 | $890 | $148 |
| 2016 | $1,826 | $913 | $152 |
| 2017 | $1,878 | $939 | $156 |
| 2018 | $1,925 | $963 | $160 |
| 2019 | $2,006 | $1,003 | $167 |
| 2020 | $2,087 | $1,044 | $174 |
| 2021 | $2,134 | $1,067 | $178 |
| 2022 | $2,223 | $1,112 | $185 |
| 2023 | $2,335 | $1,167 | $195 |
Ford F-150 car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Ford F-150. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the F-150 King Ranch, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Ford F-150.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| F-150 XL | $2,304 | $1,152 | $192 |
| F-150 XLT | $2,444 | $1,222 | $204 |
| F-150 STX | $2,488 | $1,244 | $207 |
| F-150 Lariat | $2,609 | $1,304 | $217 |
| F-150 Platinum | $2,720 | $1,360 | $227 |
| F-150 King Ranch | $2,744 | $1,372 | $229 |
Ford F-150 insurance rates: State-by-state breakdown
The cost to insure a Ford F-150 can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Ford F-150 car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,294 | $1,147 | $191 |
| Alabama | $2,279 | $1,140 | $190 |
| Arkansas | $2,741 | $1,371 | $228 |
| Arizona | $2,391 | $1,196 | $199 |
| California | $2,998 | $1,499 | $250 |
| Colorado | $3,119 | $1,559 | $260 |
| Connecticut | $2,608 | $1,304 | $217 |
| Washington, D.C. | $2,859 | $1,430 | $238 |
| Delaware | $2,366 | $1,183 | $197 |
| Florida | $2,859 | $1,429 | $238 |
| Georgia | $3,188 | $1,594 | $266 |
| Hawaii | $1,586 | $793 | $132 |
| Iowa | $2,094 | $1,047 | $174 |
| Idaho | $1,525 | $762 | $127 |
| Illinois | $2,331 | $1,166 | $194 |
| Indiana | $2,192 | $1,096 | $183 |
| Kansas | $2,549 | $1,274 | $212 |
| Kentucky | $2,891 | $1,446 | $241 |
| Louisiana | $3,966 | $1,983 | $331 |
| Massachusetts | $2,199 | $1,100 | $183 |
| Maryland | $2,412 | $1,206 | $201 |
| Maine | $1,734 | $867 | $145 |
| Michigan | $3,047 | $1,524 | $254 |
| Minnesota | $2,724 | $1,362 | $227 |
| Missouri | $3,054 | $1,527 | $254 |
| Mississippi | $2,536 | $1,268 | $211 |
| Montana | $2,624 | $1,312 | $219 |
| North Carolina | $2,146 | $1,073 | $179 |
| North Dakota | $2,072 | $1,036 | $173 |
| Nebraska | $2,626 | $1,313 | $219 |
| New Hampshire | $1,792 | $896 | $149 |
| New Jersey | $2,535 | $1,268 | $211 |
| New Mexico | $2,494 | $1,247 | $208 |
| Nevada | $2,345 | $1,173 | $195 |
| New York | $1,923 | $961 | $160 |
| Ohio | $1,708 | $854 | $142 |
| Oklahoma | $2,684 | $1,342 | $224 |
| Oregon | $2,191 | $1,096 | $183 |
| Pennsylvania | $2,589 | $1,294 | $216 |
| Rhode Island | $2,915 | $1,458 | $243 |
| South Carolina | $2,386 | $1,193 | $199 |
| South Dakota | $3,141 | $1,571 | $262 |
| Tennessee | $2,684 | $1,342 | $224 |
| Texas | $3,647 | $1,823 | $304 |
| Utah | $1,879 | $939 | $157 |
| Virginia | $1,889 | $944 | $157 |
| Vermont | $1,688 | $844 | $141 |
| Washington | $2,272 | $1,136 | $189 |
| Wisconsin | $1,919 | $960 | $160 |
| West Virginia | $2,257 | $1,128 | $188 |
| Wyoming | $2,424 | $1,212 | $202 |
How your age impacts Ford F-150 insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,946 | $4,473 | $745 |
| Adults | $2,458 | $1,229 | $205 |
The bottom line
Knowing how much it costs to insure your Ford F-150 is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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