The Ford F-Series is a line of light-duty trucks that first debuted in the U.S. in 1948. The F-Series began as a basic work truck and evolved over the years to encompass a versatile line of trucks for personal and commercial use. No matter what kind of Ford F-Series you own, it needs to be protected with the right car insurance.
When it's time to find the best Ford F-Series insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a closer look at how much it costs to insure a Ford F-Series by model year and top-rated insurance company in 2026.
Key Takeaways - Ford F-Series Car Insurance | F-150, F-250, & F-350
Ford F-150 insurance costs an average of $1,862 per year, or approximately $155 per month, for full coverage in 2026.
American Family, Progressive, and USAA are the cheapest carriers for model-year 2025 Ford F-150 insurance this year.
Ford F-Series insurance costs vary widely by state, with drivers in Wyoming paying an average of only $27 per month for minimum coverage for a Ford F-150, while those in Louisiana pay $158.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford F-Series insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford F-Series truck model.
What Is Ford F-Series Truck Insurance?
Ford F-Series truck insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a full-size pickup truck, the F-Series may require additional coverage beyond that needed by standard sedans. Further, several F-Series models have average insurance rates lower than those of other trucks.
Recommended coverage options for Ford F-Series truck drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Commercial vehicle insurance: This covers vehicles used for business purposes. If your Ford F-Series truck is used by a business for deliveries or other tasks, you'll need this coverage.
Add-on coverage options worth considering for a Ford F-Series truck:
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
It's critical to know which types of auto insurance are required in your state. A local independent insurance agent can help you get equipped with all the mandatory Ford F-150 insurance, F-250 insurance, or F-350 insurance.
How Much Does Ford F-Series Truck Insurance Cost?
The average cost of car insurance for a Ford F-150 is $1,862 per year, or approximately $155 per month, for full coverage. Minimum coverage for the F-150 costs an average of $962 per year, or approximately $80 per month.
The average cost of full coverage car insurance for a Ford F-250 is $2,144 per year, or approximately $179 per month. Full coverage car insurance for a Ford F-350 averages $2,218 annually, or about $185 monthly. However, several factors can influence the cost of Ford insurance, including:
- The specific type of F-Series you drive
- The types and amount of coverage you need
- Your claims history
- Your location
- Your driving history
- Annual mileage
- Your credit score (where allowed)
- Vehicle safety features
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford F-Series full coverage insurance or a basic Ford F-Series liability insurance policy.
Is the Ford F-150 Expensive to Insure?
No, the Ford F-150 truck isn't expensive to insure when compared to other Fords and other vehicles in general. The table below compares the F-150's average monthly auto insurance rates to those of other Fords and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford F-150 | $155 |
| All Fords | $163 |
| All Cars | $175 |
Is the Ford F-250 Expensive to Insure?
Yes, the Ford F-250 truck is slightly expensive to insure when compared to other Fords and other vehicles in general. The table below compares the F-250's average monthly auto insurance rates to those of other Fords and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford F-250 | $179 |
| All Fords | $163 |
| All Cars | $175 |
Is the Ford F-350 Expensive to Insure?
Yes, the Ford F-350 truck is expensive to insure when compared to other Fords and other vehicles in general. The table below compares the F-350's average monthly auto insurance rates to those of other Fords and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford F-350 | $185 |
| All Fords | $163 |
| All Cars | $175 |
Ford F-150 Car Insurance Costs by Model Year
Next, we'll break down several model years of the Ford F-150 truck and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Ford F-150* | $1,482 |
| 2025 Ford F-150 | $1,214 |
| 2024 Ford F-150 | $1,145 |
| 2023 Ford F-150 | $758 |
| 2022 Ford F-150 | $647 |
| 2021 Ford F-150 | $640 |
| 2020 Ford F-150 | $641 |
| 2019 Ford F-150 | $542 |
| 2018 Ford F-150 | $449 |
| 2017 Ford F-150 | $514 |
| 2016 Ford F-150 | $543 |
| 2015 Ford F-150 | $623 |
| 2014 Ford F-150 | $569 |
| 2013 Ford F-150 | $352 |
| 2012 Ford F-150 | $467 |
| 2011 Ford F-150 | $406 |
| 2010 Ford F-150 | $314 |
*Note: The 2026 F-150's rates are a projection based on the evaluation of inflation trends and current market data.
Ford F-250 Car Insurance Costs by Model Year
Here are several model years of the Ford F-250 truck and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Ford F-250* | $2,284 |
| 2025 Ford F-250 | $2,050 |
| 2024 Ford F-250 | $2,875 |
| 2023 Ford F-250 | $1,433 |
| 2022 Ford F-250 | $986 |
| 2021 Ford F-250 | $921 |
| 2020 Ford F-250 | $884 |
| 2019 Ford F-250 | $1,006 |
| 2018 Ford F-250 | $829 |
| 2017 Ford F-250 | $731 |
| 2016 Ford F-250 | $961 |
| 2015 Ford F-250 | $834 |
| 2014 Ford F-250 | $804 |
| 2013 Ford F-250 | $731 |
| 2012 Ford F-250 | $638 |
| 2011 Ford F-250 | $601 |
| 2010 Ford F-250 | $716 |
*Note: The 2026 F-250's rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Ford F-Series Car Insurance Companies for 2026
Many insurers offer affordable Ford F-Series truck insurance. Knowing which carriers have a reputation for offering quality coverage and affordable rates can help make car insurance shopping for a Ford F-Series truck much easier.
Best Ford F-150 insurance companies
These top-rated Ford car insurance companies provide the cheapest model-year 2025 Ford F-150 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,714 |
| Progressive | $1,841 |
| USAA | $1,939 |
| Nationwide | $2,295 |
| Erie | $2,563 |
| Allstate | $5,121 |
Best Ford F-250 car insurance companies
These top-rated Ford car insurance companies provide the cheapest model-year 2025 Ford F-250 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,782 |
| USAA | $1,979 |
| Nationwide | $2,173 |
| Erie | $2,220 |
| Progressive | $2,261 |
| Allstate | $5,367 |
Best Ford F-350 car insurance companies
These top-rated Ford car insurance companies provide the cheapest model-year 2025 Ford F-350 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,984 |
| USAA | $1,995 |
| Progressive | $2,351 |
| Nationwide | $2,419 |
| Erie | $2,458 |
| Allstate | $5,436 |
Ford F-Series Insurance Rates by State
Your location plays a major role in car insurance premium calculations. Here are some average auto insurance rates for the Ford F-150 truck by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $67 | $125 |
| Alaska | $58 | $122 |
| Arizona | $93 | $174 |
| Arkansas | $66 | $147 |
| California | $77 | $155 |
| Colorado | $77 | $182 |
| Connecticut | $110 | $190 |
| Delaware | $109 | $183 |
| Florida | $100 | $231 |
| Georgia | $124 | $202 |
| Hawaii | $42 | $95 |
| Idaho | $42 | $86 |
| Illinois | $73 | $137 |
| Indiana | $51 | $100 |
| Iowa | $44 | $106 |
| Kansas | $57 | $133 |
| Kentucky | $100 | $170 |
| Louisiana | $158 | $341 |
| Maine | $40 | $82 |
| Maryland | $125 | $210 |
| Massachusetts | $79 | $168 |
| Michigan | $121 | $234 |
| Minnesota | $62 | $130 |
| Mississippi | $70 | $138 |
| Missouri | $92 | $184 |
| Montana | $58 | $137 |
| Nebraska | $55 | $126 |
| Nevada | $136 | $247 |
| New Hampshire | $54 | $96 |
| New Jersey | $126 | $207 |
| New Mexico | $66 | $147 |
| New York | $97 | $174 |
| North Carolina | $64 | $125 |
| North Dakota | $45 | $98 |
| Ohio | $60 | $116 |
| Oklahoma | $72 | $160 |
| Oregon | $93 | $161 |
| Pennsylvania | $67 | $157 |
| Rhode Island | $98 | $175 |
| South Carolina | $80 | $149 |
| South Dakota | $42 | $128 |
| Tennessee | $62 | $125 |
| Texas | $100 | $205 |
| Utah | $84 | $143 |
| Vermont | $35 | $82 |
| Virginia | $74 | $121 |
| Washington | $71 | $132 |
| West Virginia | $69 | $141 |
| Wisconsin | $51 | $113 |
| Wyoming | $27 | $86 |
Average Ford F-Series Car Insurance Rates by Driver Age and Profile
Your age, driving history, and credit can all influence car insurance rates, too. Teens and young drivers pay the most, on average, for Ford F-Series insurance. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average auto insurance rates for the Ford F-150 by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,320 | $10,694 | $12,553 |
| 20 | $5,641 | $8,311 | $9,707 |
| 25 | $3,342 | $4,834 | $5,681 |
| 30 | $2,525 | $3,767 | $4,436 |
| 35 | $2,390 | $3,530 | $4,094 |
| 40 | $2,353 | $3,376 | $3,986 |
| 45 | $2,258 | $3,262 | $3,907 |
| 55 | $2,022 | $3,054 | $3,518 |
| 65 | $2,206 | $3,202 | $3,668 |
| 75 | $2,769 | $4,005 | $4,703 |
Best Ford F-Series Insurance Discounts: How to Lower Your Ford F-Series Insurance Premiums
Want to save as much money as possible on your Ford F-Series insurance? Follow any of these simple steps below to start saving even more on your Ford F-150, Ford F-250, or Ford F-350 insurance today:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about Ford F-Series insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Ford F-Series insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford F-Series insurance from a trusted carrier near you.
Independent insurance agents know which carriers sell the most affordable Ford F-Series insurance. They can help you save as much money as possible on your F-Series truck insurance.
An Independent Insurance Agent Can Help You Get the Best Ford F-Series Insurance Quotes
When it's time to find the most affordable Ford F-Series auto insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford F-150 insurance, Ford F-250 insurance, or Ford F-350 insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford F-Series Auto Insurance
How much does Ford F-Series insurance cost per year?
The average annual cost of full coverage for a Ford F-150 truck is $1,862 per year, or approximately $155 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford F-Series insurance premiums?
Living in a high-theft rate area, having traffic violations or accidents on your record, filing claims in the past, and having poor credit can all lead to higher Ford F-Series insurance premiums.
Is the Ford F-150 expensive to insure?
No, the Ford F-150 isn't expensive to insure when compared to the average cost of insuring other Fords and other vehicles in general.
What are the best and cheapest carriers for Ford F-150 insurance in 2026?
We found that American Family, Progressive, and USAA are the best and cheapest car insurance companies for model-year 2025 Ford F-150 insurance this year.
Is insurance cheaper for the Ford F-150 than for other Ford vehicles?
Yes, the Ford F-150's average monthly insurance rate of $155 is cheaper than that for other Ford vehicles, which average $163.
How can I get cheaper Ford F-Series insurance?
Finding cheaper Ford F-Series insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/ford-f-150-insurance/
https://www.insuranceopedia.com/auto-insurance/ford-f150-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/ford/f-150/
https://www.insuranceopedia.com/auto-insurance/ford-f250-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/ford/f-250-super-duty/
https://www.thezebra.com/auto-insurance/vehicles/ford/f-350-super-duty/