Ford F-150 Lightning Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance rates for a Ford F-150 Lightning are $1,762 a year with full coverage. Comprehensive costs an estimated $344 each year, collision costs $698, and liability is estimated at $520. Buying just liability costs approximately $592 a year, with insurance for high-risk drivers costing around $3,832. Teens cost the most to insure at $6,638 a year or more.
Average premium for full coverage: $1,762
Policy rates broken down by type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and F-150 Lightning models.
Price Range Variability
Using a middle-aged driver as an example, Ford F-150 Lightning insurance rates go from as low as $592 for a discount liability-only rate to a high rate of $3,832 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The graphic below illustrates how where you live affects insurance prices.
The examples above demonstrate why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details estimated Ford F-150 Lightning insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,005
- Choosing higher $1,000 deductibles can save approximately $236 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,762
- Selecting low deductibles for comp and collision coverage will increase the cost to $2,224
- Higher-risk drivers with serious driving violations could pay up to $3,832 or more
- Policy cost for full coverage for a 16-year-old driver can cost as much as $6,638 each year
Insurance rates for a Ford F-150 Lightning also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $6,600 a year. View Rates by Age
Your home state plays a big part in determining prices for Ford F-150 Lightning insurance prices. A good driver about age 40 could pay as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,370 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,592 | -$170 | -9.6% |
| Alaska | $1,348 | -$414 | -23.5% |
| Arizona | $1,460 | -$302 | -17.1% |
| Arkansas | $1,762 | -$0 | 0.0% |
| California | $2,006 | $244 | 13.8% |
| Colorado | $1,682 | -$80 | -4.5% |
| Connecticut | $1,808 | $46 | 2.6% |
| Delaware | $1,994 | $232 | 13.2% |
| Florida | $2,200 | $438 | 24.9% |
| Georgia | $1,624 | -$138 | -7.8% |
| Hawaii | $1,264 | -$498 | -28.3% |
| Idaho | $1,194 | -$568 | -32.2% |
| Illinois | $1,312 | -$450 | -25.5% |
| Indiana | $1,328 | -$434 | -24.6% |
| Iowa | $1,192 | -$570 | -32.3% |
| Kansas | $1,672 | -$90 | -5.1% |
| Kentucky | $2,402 | $640 | 36.3% |
| Louisiana | $2,606 | $844 | 47.9% |
| Maine | $1,086 | -$676 | -38.4% |
| Maryland | $1,454 | -$308 | -17.5% |
| Massachusetts | $1,408 | -$354 | -20.1% |
| Michigan | $3,058 | $1,296 | 73.6% |
| Minnesota | $1,474 | -$288 | -16.3% |
| Mississippi | $2,110 | $348 | 19.8% |
| Missouri | $1,564 | -$198 | -11.2% |
| Montana | $1,894 | $132 | 7.5% |
| Nebraska | $1,388 | -$374 | -21.2% |
| Nevada | $2,112 | $350 | 19.9% |
| New Hampshire | $1,266 | -$496 | -28.1% |
| New Jersey | $1,970 | $208 | 11.8% |
| New Mexico | $1,560 | -$202 | -11.5% |
| New York | $1,852 | $90 | 5.1% |
| North Carolina | $1,014 | -$748 | -42.5% |
| North Dakota | $1,442 | -$320 | -18.2% |
| Ohio | $1,216 | -$546 | -31.0% |
| Oklahoma | $1,808 | $46 | 2.6% |
| Oregon | $1,614 | -$148 | -8.4% |
| Pennsylvania | $1,680 | -$82 | -4.7% |
| Rhode Island | $2,350 | $588 | 33.4% |
| South Carolina | $1,596 | -$166 | -9.4% |
| South Dakota | $1,484 | -$278 | -15.8% |
| Tennessee | $1,542 | -$220 | -12.5% |
| Texas | $2,122 | $360 | 20.4% |
| Utah | $1,304 | -$458 | -26.0% |
| Vermont | $1,204 | -$558 | -31.7% |
| Virginia | $1,054 | -$708 | -40.2% |
| Washington | $1,360 | -$402 | -22.8% |
| West Virginia | $1,614 | -$148 | -8.4% |
| Wisconsin | $1,218 | -$544 | -30.9% |
| Wyoming | $1,570 | -$192 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $700 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $2,100 to $2,900 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 133% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-150 Lightning | $372 | $720 | $488 | $1,780 |
| 2023 Ford F-150 Lightning | $356 | $714 | $498 | $1,768 |
| 2022 Ford F-150 Lightning | $344 | $698 | $520 | $1,762 |
| 2021 Ford F-150 Lightning | $332 | $668 | $536 | $1,736 |
Rates are averaged for all Ford F-150 Lightning models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Ford F-150 Lightning Insurance
Finding cheaper rates on insurance for a Ford F-150 Lightning takes having a decent driving record, maintaining good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a recap of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk that have major violations or accidents may pay on average $2,070 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest rates, as much as $553 each month for full coverage
- You may be able to save approximately $210 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $700 each year
- You may be able to save approximately $210 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,638 |
| 20 | $4,102 |
| 30 | $1,834 |
| 40 | $1,762 |
| 50 | $1,608 |
| 60 | $1,578 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,224 |
| $250 | $2,008 |
| $500 | $1,762 |
| $1,000 | $1,526 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,762 |
| 50/100 | $1,866 |
| 100/300 | $1,996 |
| 250/500 | $2,334 |
| 100 CSL | $1,918 |
| 300 CSL | $2,204 |
| 500 CSL | $2,412 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,480 |
| 20 | $6,532 |
| 30 | $3,914 |
| 40 | $3,832 |
| 50 | $3,662 |
| 60 | $3,626 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $94 |
| Multi-vehicle | $94 |
| Homeowner | $26 |
| 5-yr Accident Free | $132 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $82 |
| Advance Quote | $89 |
| Online Quote | $125 |
| Total Discounts | $757 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
