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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Ford trucks are incredibly popular, with the Ford F-150 ranking as one of the bestselling vehicles in America.[1] Even better news for F-150 drivers: It’s fairly inexpensive to insure. F-150 drivers pay an average monthly rate of $95 for liability coverage and $175 for full coverage, according to Compare.com data.
But your exact F-150 car insurance costs will vary depending on your coverage choices, vehicle features, auto insurer, and ZIP code. In the article below, we break down the average cost to insure Ford 150s by model, state, age, and driving record.
Let’s explore the best car insurance companies for your Ford F-150.
Novo offers the cheapest car insurance for Ford F-150 drivers, at an average monthly premium of just $44.
Mile Auto, Novo, and Certainly are three of the best car insurance companies for Ford F-150s.
F-150 drivers can get cheaper rates by taking advantage of discounts and looking for a vehicle with certain safety features.
The cost to insure your Ford F-150 largely depends on the type of policy you choose. You’ll pay more for liability coverage than full-coverage car insurance. If you cause a car accident, liability coverage pays for the other driver’s injuries and property damage.[2]
Full coverage, on the other hand, includes liability coverage, comprehensive coverage, and collision insurance. It pays for damages to your vehicle if you cause an accident with another car or object, hit a tree, experience a natural disaster, or someone steals your car.
The table below shows the average monthly premiums you can expect to pay for a Ford F-150, according to our data. It compares average monthly rates for liability coverage and full coverage and how each compares to the national averages for all vehicles.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford F-150 | $95 | $175 | $135 |
| All vehicles | $107 | $197 | $152 |
Ford F-150 owners pay an average monthly rate of $95 for liability coverage and $175 for full coverage. But your actual rate depends on factors beyond your coverage type. In later sections, we’ll discuss how your age and driving history affect your rates.
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Although the average cost of insurance for an F-150 is $135 per month, you still have several ways to save on car insurance. One of the best ways to find cheap car insurance is to shop around and compare quotes from different companies.
To help you compare your options, here are the five cheapest insurers for F-150s, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $44 |
| Certainly | $61 |
| Mile Auto | $61 |
| Just Insure | $79 |
| CSAA | $81 |
Novo offers the cheapest average premiums for an F-150 — just $44 per month. But while these companies are the cheapest on average, it doesn’t mean they’ll be the least expensive option for everyone.
Again, many factors can affect your insurance premium, which is why it’s so important to compare insurance quotes from several insurers before buying a policy.
Compare quotes from America’s cheapest insurers.
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Car insurance rates vary from company to company, just as needs vary from person to person. That means there’s no single “best” insurer for every Ford F-150 driver. But we’ve done the research to help you narrow down the search.
We chose the following insurance companies based on a combination of average rates, available discounts, customer ratings and reviews, and coverage options. Let’s look at three of the best insurers for different types of F-150 drivers.
Average premium: $44 per month
Compare.com Rating: Not rated
Competitive rates
Telematics program available
Convenient mobile app
Not available nationwide
Few additional coverage options
No Better Business Bureau (BBB) accreditation
Novo is the best choice for safe drivers looking for ways to save money on car insurance. You’ll earn a discount of up to 15% for joining as a new customer. And Novo gives you the opportunity to lower your rates every month when you use its telematics program.
Every month, Novo tracks your driving history and measures your miles driven and safety score. Your car insurance rate is never static, and you can lower it each month by showing safe driving habits.
Average premium: $61 per month
Compare.com Rating: 2.98 out of 5
Competitive rates
Pay-per-mile insurance available
No required tracking device
Few optional coverages available
Not available nationwide
“F” rating from the BBB
If you drive fewer than 10,000 miles annually, you could save money by switching to Mile Auto. The company charges a base rate and a per-mile charge, and, unlike other telematics programs, you don’t have to install a tracking device in your car.
Instead, you’ll take a photo of your odometer once a month and submit it to the insurance company. That makes Mile Auto a good option for drivers who are hesitant about giving their insurance company too much personal information.
Average premium: $61 per month
Compare.com Rating: Not rated
Easy online quoting process
Backed by Liberty Mutual
24/7 customer support
Not available nationwide
No advertised discounts
No independent agents
Certainly Auto Insurance is best for tech-savvy drivers who prefer to manage their auto insurance policies online. The company offers an easy online quoting process, so you’ll never have to speak to an agent.
Certainly doesn’t advertise any discounts on its website but states that you can customize your insurance policy to fit your budget. Plus, Liberty Mutual backs the company, so you can trust its financial strength.
Compare personalized quotes and get cheaper rates in minutes.
Your car’s age can indirectly affect your insurance premiums in several ways. For example, cars with a newer model year have higher replacement values, so they’re typically more expensive to insure than older vehicles. Plus, newer cars will likely require full-coverage insurance, but you may be able to get by with liability coverage on an older model.
The following table outlines the average cost of insurance and the cheapest companies for different F-150 model years, according to Compare.com data.
F-150 Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $176 | Mile Auto | $102 |
| 2023 | $167 | Certainly | $85 |
| 2022 | $166 | Mile Auto | $82 |
| 2021 | $155 | Certainly | $64 |
| 2020 | $148 | Certainly | $59 |
| 2019 | $151 | Certainly | $60 |
| 2018 | $148 | Certainly | $61 |
| 2017 | $152 | Certainly | $63 |
| 2016 | $138 | Certainly | $59 |
| 2015 | $142 | Certainly | $65 |
The vehicle’s model year isn’t the only factor influencing your insurance costs — your ZIP code also plays a significant role in determining your average annual costs.
Where you live has a significant effect on your car insurance premiums, as different states have different regulations, risks, and car repair costs. Your insurance costs can even vary based on your ZIP code. For example, cities with higher vandalism or theft rates will likely have higher car insurance costs.[3]
The table below shows the average monthly premium for Ford F-150s in every state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $89 |
| Arizona | $119 |
| Arkansas | $171 |
| California | $172 |
| Colorado | $140 |
| Connecticut | $272 |
| Delaware | $166 |
| Florida | $175 |
| Georgia | $177 |
| Idaho | $90 |
| Illinois | $111 |
| Indiana | $96 |
| Iowa | $81 |
| Kansas | $110 |
| Kentucky | $175 |
| Louisiana | $161 |
| Maine | $106 |
| Maryland | $246 |
| Massachusetts | $134 |
| Michigan | $209 |
| Minnesota | $134 |
| Mississippi | $134 |
| Missouri | $131 |
| Montana | $109 |
| Nebraska | $126 |
| Nevada | $213 |
| New Hampshire | $82 |
| New Jersey | $142 |
| New Mexico | $103 |
| New York | $344 |
| North Carolina | $67 |
| North Dakota | $103 |
| Ohio | $91 |
| Oklahoma | $116 |
| Oregon | $115 |
| Pennsylvania | $117 |
| Rhode Island | $102 |
| South Carolina | $196 |
| South Dakota | $86 |
| Tennessee | $101 |
| Texas | $159 |
| Utah | $130 |
| Vermont | $97 |
| Virginia | $129 |
| Washington | $100 |
| Washington, D.C. | $203 |
| West Virginia | $103 |
| Wisconsin | $91 |
| Wyoming | $86 |
In addition to your location, your age also affects what you pay for Ford F-150 car insurance. Age is a key factor insurance companies look at since different age groups have different accident rates.
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Your age is one of the most important rating factors for car insurance. Teen drivers can expect to pay the highest rates to insure an F-150 since they have a higher likelihood of getting into car accidents. Teens have a crash rate nearly four times higher than drivers older than 20, according to the Insurance Institute for Highway Safety (IIHS).[4]
Your car insurance rates tend to decrease as you gain more driving experience. The table below shows the average monthly premiums for F-150 drivers in different age groups and the cheapest for each, according to data from Compare.com.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $255 | Novo | $84 |
| 20s | $175 | Novo | $57 |
| 30s | $135 | Novo | $44 |
| 40s | $124 | Novo | $41 |
| 50s | $111 | Novo | $37 |
| 60s | $104 | Novo | $34 |
| 70s | $112 | Novo | $37 |
Teens pay the most for F-150 car insurance, at $255 per month. Fortunately, the average monthly premium drops significantly once you enter your 20s and continues to decrease with age. But there’s a slight uptick once you reach age 70.
That said, our data shows that drivers in every age group can save substantially by choosing Novo as their insurer.
Now, let’s see how your driving record affects your car insurance costs.
Your driving record also plays a role in how much you’ll spend on car insurance because insurers use it to assess your level of risk. A clean driving record will get you some of the best rates. But a driving history with speeding tickets, at-fault accidents, or DUIs leads to higher premiums.
Let’s look at the average monthly premium for different driving records and the cheapest car insurance company for each, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $135 | Novo | $44 |
| Speeding ticket | $188 | Novo | $62 |
| At-fault accident | $196 | Novo | $64 |
| DUI | $223 | Novo | $73 |
An at-fault accident or DUI can significantly increase your monthly insurance premium. Just one DUI can lead to an average monthly premium of $223 — $88 more than someone with a clean driving record will pay.
But regardless of driving record, F-150 drivers may be able to save by choosing Novo as their insurer.
Different Ford F-150 trim levels come with different features that can affect your car insurance rates. For example, newer F-150s with luxury features will likely cost more to insure because they come with higher replacement costs.[5]
F-150 models built from 2018 to 2020 have push-to-start, which could make them easier to steal and potentially drive up insurance costs. Choosing a model with advanced safety features, like Cross-Traffic Alert and Adaptive Cruise Control, can reduce the likelihood of accidents and lower your average annual insurance costs.
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You can find affordable car insurance for your Ford F-150 if you know what to look for. Here are five steps you can take to save money on car insurance:
Look for safety features: Choosing a Ford F-150 model with advanced safety features can help you qualify for discounts with certain insurers. For example, the Co-Pilot360 suite of driver-assist features comes with blind-spot assist, reverse brake assist, and adaptive cruise control.[6]
Increase your deductible: Choosing a higher deductible will result in a lower monthly premium. Just make sure you can afford a larger out-of-pocket expense if you get in an accident and need to file a claim.[7]
Bundle your policies: Bundling multiple policies, like auto and home insurance, can help you earn a multi-policy discount with most insurers. You can also earn a discount for insuring multiple vehicles with the same company.
Improve your credit: Most states allow insurers to consider your credit history when evaluating you for an insurance policy. Improving your credit can help you secure lower insurance premiums.
Compare quotes: Rates for F-150 insurance can vary quite a bit among insurers, so it’s important to shop around and compare quotes from at least three different insurance companies. Using an online comparison tool can make this process easier.
Compare personalized quotes from dozens of the nation’s top insurers.
The average cost of insuring a Ford F-150 can vary based on factors like the trim level, safety features, and location. Below are answers to common questions drivers have about F-150 car insurance to help you find the best coverage.
No. Ford F-150s aren’t expensive to insure. Our data shows that the average monthly rate for a Ford F-150 is $135, compared to the national average of $152. Keep in mind that these are just averages, and your actual rate will depend on your age, driving history, model year, trim level, and more.
Not necessarily. The average monthly premium for a pickup truck is $131, compared to $152 for all vehicles, according to Compare.com data. It’s a good idea to compare the insurance costs of different trucks before you buy any truck, including the Ford F-150.
The average monthly rate for full-coverage insurance on a 2024 F-150 is $176, according to our data. Our research found that F-150 drivers can find the cheapest car insurance with Mile Auto, at an average monthly rate of $102.
Yes. Generally, 4x4 trucks are more expensive to insure. Car insurance runs higher for these vehicles because they’re more robust, come with extra driving components, and cost more to repair. Insurance companies also factor in the vehicle’s potential for car accidents due to off-road use.
Pickup truck insurance is generally higher compared to standard vehicles because they tend to cost more, have more expensive features, and are larger in size. Additionally, drivers often use them for activities that increase the risk of accidents and damage. But insurers may offer you a discount if you choose a truck with advanced safety features.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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