The Ford F-150 is America’s best-selling truck but what does it actually cost to insure? Depending on your trim, age and state, ford f 150 insurance cost ranges from $41 to over $580 per month. This guide shows you exactly what you will pay and how to pay less.
For a 40-year-old driver with a clean record, full coverage runs about $106 to $155 per month. Minimum liability starts as low as $41 per month.
| Coverage Type | Monthly | Annual |
| Minimum Liability | $41 – $80 | $492 – $960 |
| Full Coverage | $106 – $155 | $1,271 – $1,860 |
| Full Coverage (teen driver) | $350 – $580+ | $4,200 – $6,900+ |
The F-150 actually sits below the national vehicle average of $152 per month making it one of the more affordable full-size trucks to insure.
Your trim level is one of the sharpest pricing factors. A base XL costs a fraction of what a Raptor R runs.
| Trim | Est. Monthly Full Coverage |
| XL (base) | $41 – $120 |
| XLT | $100 – $145 |
| Lariat | $130 – $175 |
| King Ranch / Platinum | $170 – $220 |
| Raptor / Raptor R | $250 – $582 |
Higher trims carry more expensive parts and higher replacement costs which pushes premiums up. F-150 models with the Ford Co-Pilot360 safety suite may qualify for discounts with select carriers so always ask at quote time.
Driver age. An 18-year-old pays close to $9,000 per year for full coverage. A 40-year-old with no violations pays $1,200 to $2,700 per year for the same truck. One at-fault accident raises your rate 20 to 40 percent.
Model year. A 2025 F-150 costs roughly $45 more per month to insure than a 2016 model because newer trucks cost more to replace. F-150s built between 2018 and 2020 include push-to-start ignition which carries higher theft risk in some ZIP codes and can raise your comprehensive rate.
Your state. Rates vary significantly by location. High-litigation states like Florida and New York push premiums higher while rural low-traffic states keep costs down. See our guide on semi truck insurance cost per month for a state-level comparison.
If you use your F-150 for business purposes — hauling materials, towing equipment or making deliveries — a personal auto policy will not cover you. Insurers can deny claims if the truck was being used commercially at the time of an accident.
A commercial auto policy for an F-150 typically runs 20 to 40 percent more than a personal policy. For related commercial vehicle coverage see our guides on cargo van insurance and towing company insurance. If you also operate larger vehicles visit our commercial trucking insurance page for full fleet options.
For other vehicle types you may insure alongside your F-150 check out farm truck insurance, flatbed truck insurance and food truck business insurance.
Is the Ford F-150 expensive to insure? No. At $106 to $155 per month it sits below the national vehicle average.
Which F-150 trim is cheapest to insure? The base XL with minimum coverage can run as low as $41 per month.
Do I need a commercial policy for my F-150? Yes if you use it for work. Personal policies do not cover commercial use.
Which insurer offers the cheapest F-150 full coverage? OLPolicy consistently offers the lowest rates starting around $113 per month.
Does model year affect my rate? Yes. Newer models cost more to insure. A 2025 F-150 runs about $45 more per month than a 2016 model with the same coverage.
Ford F-150 insurance cost depends on your trim, age, state and how you use the truck. The right policy protects you without draining your budget every month.
Call (866) 757-5350 for a fast, no-obligation quote. We help personal drivers and commercial operators across all 50 states find the best Ford F-150 coverage at the right price.
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