Ford F-150 car insurance
America's best-selling truck comes in a wide range of trims and powertrains, and insurance costs vary to match. Liberty Choice compares 20+ carriers — including EV-friendly insurers for Lightning owners — to find you affordable, reliable coverage.
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Average insurance cost for a Ford F-150
Here is what drivers typically pay to insure an F-150, based on 2026 national average data from Bankrate (November 2025 Quadrant Information Services rates). Rates are for a 40-year-old driver with good credit, a clean record, and a 2023 model year vehicle.
| Coverage | Monthly (est.) | Annual |
|---|---|---|
| Full coverage | $219 | $2,630 |
| Minimum liability | $69 | $823 |
Full coverage includes 100/300/50 liability plus comprehensive and collision with a $500 deductible. Rates vary significantly by driver age, location, driving record, and chosen trim.
Source: Bankrate, average cost of Ford F-150 car insurance, February 2026 (bankrate.com/insurance/car/ford/f-150/).
How much does it cost to insure a Ford F-150?
The Ford F-150 is the best-selling vehicle in the United States — and its insurance costs are competitive to match. According to Bankrate's November 2025 rate analysis, the average annual full-coverage premium for an F-150 is $2,630, or about $219 per month. Minimum liability coverage averages $823 per year ($69/month). MoneyGeek's 2026 data puts the full-coverage average slightly lower, at $1,862 per year ($155/month), while Insurance.com places it at $2,445 per year for a 2024 model.
The variation across sources reflects different driver profiles and methodologies: Bankrate uses a 40-year-old with a 2023 model, while MoneyGeek averages across all model years from 2000 to 2025. What they agree on is that F-150 full-coverage costs run 11–15% below the U.S. full-size truck average, largely because Ford's extensive dealer and service network keeps repair costs and parts availability more predictable than less common vehicles.
At Liberty Choice Insurance, we compare rates from more than 20 carriers — including all major insurers available in Nevada — to find a competitive rate for your specific F-150, driving record, and location.
Source: Bankrate, February 2026 (bankrate.com/insurance/car/ford/f-150/); MoneyGeek, Ford F-150 insurance cost, 2026 (moneygeek.com/insurance/auto/ford-f-150-insurance/); Insurance.com, Ford F-150 car insurance rates, September 2025 (insurance.com/vehicles/ford-insurance/ford-f-150-car-insurance).
Ford F-150 insurance cost by model year
Newer F-150s generally cost more to insure because their higher market value means a larger potential payout for collision and comprehensive claims. Here are monthly full-coverage and minimum-coverage averages by model year:
| Model Year | Monthly Minimum Coverage | Monthly Full Coverage |
|---|---|---|
| 2025 | $105 | $205 |
| 2024 | $105 | $205 |
| 2023 | $125 | $245 |
| 2022 | $110 | $215 |
| 2021 | $102 | $198 |
| 2020 | $86 | $167 |
| 2019 | $76 | $147 |
| 2018 | $66 | $130 |
Rates are nationwide averages for a 35-year-old driver with a clean record. Actual premiums vary by location, insurer, and driver profile.
Source: MoneyGeek, Ford F-150 insurance cost by model year, 2026 (moneygeek.com/insurance/auto/ford-f-150-insurance/).
F-150 insurance vs. competing full-size trucks (annual full coverage)
How does the F-150 compare to the other most popular full-size trucks when it comes to insurance cost? Here are 2025–2026 annual full-coverage averages:
| Vehicle | Annual Full Coverage (est.) |
|---|---|
| Ford F-150 (gas) | $2,630 |
| Chevrolet Silverado 1500 | $2,687 |
| Ram 1500 | $2,080 (est.) |
| GMC Sierra 1500 | $2,630 (est.) |
| Ford F-150 Lightning (EV) | $2,883 (est.) |
F-150 Lightning figure is an estimate based on reported EV premium uplift of ~10% over the gas F-150. Competitive truck figures use Bankrate and MoneyGeek 2025–2026 data. Individual rates vary.
Source: Bankrate, car insurance by make and model, February 2026 (bankrate.com/insurance/car/ford/f-150/ and /chevrolet/silverado-1500/); Insurify, F-150 Lightning EV cost estimate, 2026.
Insuring the Ford F-150 Lightning (EV)
The F-150 Lightning brings Ford's iconic pickup into the electric era. As an EV, it introduces a few insurance considerations that differ from the gas lineup: a higher purchase price (from the low $50,000s for the Pro trim to well above $90,000 for the Platinum), specialized high-voltage battery components that can be expensive to repair or replace, and a still-developing service network for EV-specific repairs.
Insurance estimates for the Lightning place full-coverage costs around $233–$251 per month — roughly 6–15% more than the comparable gas F-150 — depending on the source and driver profile. The Lightning benefits from Ford's broad dealer footprint (which limits some EV-specific repair bottlenecks) and strong safety ratings that can partially offset the higher vehicle value.
Liberty Choice Insurance works with EV-friendly carriers who understand battery coverage, charging equipment liability, and other Lightning-specific scenarios. Whether you've just purchased a Lightning or are shopping to lower an existing rate, comparing quotes across our carrier network is the best starting point.
Source: Insurify, F-150 Lightning insurance rates, June 2026 (insurify.com/car-insurance/vehicle/ford/); Bankrate, Ford F-150 insurance, February 2026.
Full coverage vs. state minimum liability for your F-150
If you financed or leased your F-150, your lender almost certainly requires full coverage for the life of the loan. Full coverage adds collision (repairs after an accident, regardless of fault) and comprehensive (theft, vandalism, hail, flooding, fire) on top of the liability coverage required by law. For a truck with a replacement value in the $40,000–$100,000+ range, the extra protection is substantial.
For older F-150s with lower market values, some owners choose to carry only liability. State minimum liability in Nevada is 25/50/20 — but many drivers opt for higher limits to better protect their personal assets if they cause a serious accident. Your Liberty Choice agent can run the numbers on whether full coverage makes financial sense for your specific truck's current value.
What drives your F-150 insurance cost?
Several factors shape what you'll pay to insure your F-150, whether gas or electric:
- Model year and trim. Newer, higher-trim trucks carry higher market values and therefore larger potential claims — both of which push premiums up.
- Location. Rates vary significantly by city and state based on local accident frequency, theft rates, and state minimum requirements. Las Vegas metro drivers typically pay more than rural Nevada drivers.
- Driving record. At-fault accidents, speeding tickets, and DUI convictions all increase your rate, often for three to five years.
- Annual mileage. Lower-mileage drivers are involved in fewer accidents statistically and may qualify for usage-based or low-mileage discounts.
- Gas vs. EV powertrain. F-150 Lightning owners typically pay 6–15% more than gas F-150 owners at the same coverage level, primarily because EV battery components are expensive to repair or replace.
- Deductible and coverage limits. Choosing a higher deductible reduces your monthly premium; selecting lower liability limits cuts cost but increases your personal exposure after a serious accident.
How a DUI affects insurance rates for an F-150
A DUI conviction is one of the most significant premium drivers in auto insurance. On average, drivers with a DUI pay roughly 70–77% more for full coverage than comparable clean-record drivers. For an F-150 owner paying $2,630 per year before a DUI, that could mean an additional $1,800–$2,000 per year in added premium — pushing annual costs well above $4,000.
On top of the rate increase, a DUI may require you to file an SR-22 certificate with your state's DMV — a document proving you carry at least the state minimum coverage. SR-22 requirements typically last three years. Some carriers may decline to renew your policy altogether after a DUI, making it important to work with an agency like Liberty Choice that has access to non-standard market options for high-risk drivers.
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Discounts for Ford F-150 insurance
There are a number of practical ways to reduce what you pay for F-150 coverage:
- Safe driver / good driver discount. A clean record — no at-fault accidents or moving violations for three to five years — earns significant savings with most carriers.
- EV incentive (Lightning owners). Some carriers offer discounts for electric vehicle owners as an incentive for low-emission driving.
- Low-mileage discount. If you drive fewer than 7,500–10,000 miles per year, you may qualify for reduced rates or a usage-based program.
- Telematics / safe-driving app. An insurer-provided device or smartphone app that tracks acceleration, braking, and mileage can unlock additional savings for safe drivers.
- Safety-feature credit. The F-150's standard Ford Co-Pilot360 suite — automatic emergency braking, lane-keeping assist, blind-spot monitoring — can earn insurance credits.
- Multi-policy bundling. Combining your F-150 policy with home, renters, or other auto policies typically saves 5–15% on both.
Discount availability and amounts vary by carrier. Your Liberty Choice agent can identify which programs apply to your situation and stack the most valuable ones.
About the Ford F-150
The F-150 has been America's best-selling vehicle for more than four decades, and its continued dominance reflects a combination of genuine capability, broad trim availability, and an extensive dealer network that keeps ownership costs manageable. The current generation (14th-gen, launched for the 2021 model year) comes in Regular Cab, SuperCab, and SuperCrew configurations, with bed lengths of 5.5, 6.5, or 8 feet.
Engine options span a 2.7L EcoBoost V6 (325 hp / 400 lb-ft), a 3.5L EcoBoost V6 (400 hp / 500 lb-ft), a 5.0L naturally aspirated V8 (400 hp / 410 lb-ft), a 3.0L Power Stroke diesel V6 (250 hp / 440 lb-ft), and the PowerBoost full hybrid 3.5L (430 hp / 570 lb-ft). Maximum towing capacity reaches up to 14,000 lbs depending on powertrain and configuration.
The F-150 Lightning — Ford's all-electric variant — uses a standard dual-motor setup producing 452 hp (standard battery) or 580 hp (extended range), with up to 775 lb-ft of torque. EPA range runs approximately 240 miles on the standard battery and up to 320 miles with the extended-range option. The Lightning's Pro Power Onboard system provides up to 9.6 kW of exportable power, making it uniquely useful on job sites or during power outages.
Key F-150 safety and technology features relevant to insurance
- Ford Co-Pilot360 (standard across trims). Includes automatic emergency braking with pedestrian detection, lane-keeping assist, and blind-spot monitoring — features that may earn insurance credits.
- BlueCruise hands-free driving. Available on higher trims; enables hands-free highway driving on pre-mapped roads.
- Pro Trailer Backup Assist. Reduces backing accidents with trailers attached — a meaningful safety feature for F-150 owners who tow regularly.
- NHTSA safety rating. The 2023 F-150 received an overall 4-star NHTSA crash test rating.
Advanced safety technology can translate into lower insurance premiums through safety-feature discounts available from many of Liberty Choice's carrier partners.
Get a Ford F-150 insurance quote today
Whether you drive a gas-powered F-150 or the all-electric Lightning, Liberty Choice Insurance compares 20+ carriers to find you a competitive rate. Get a free online quote, visit our Las Vegas office at 6655 W Sahara Ave #A100, or call 702-742-6322 to speak with a licensed bilingual agent.
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