Ford F-150 Lightning Insurance Rates
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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...
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Ford F-150 Lightning are $1,736 every 12 months with full coverage. Comprehensive costs approximately $332 each year, collision insurance costs $668, and liability insurance is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage costs around $3,782. Teenage drivers pay the most at up to $6,586 a year.
Average premium for full coverage: $1,736
Premium estimates by type of coverage:
Estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and F-150 Lightning models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Ford F-150 Lightning range from the cheapest price of $606 for just the minimum liability insurance to a high rate of $3,782 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These rate differences demonstrate why all drivers should get quotes using their specific location and their own driving history, rather than relying on average rates.
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.
Additional Rate Analysis
The chart below details average Ford F-150 Lightning insurance rates for additional coverage and risk scenarios.
- The best discount rate is $994
- Choosing higher $1,000 deductibles can save $226 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,736
- Using low deductibles for comp and collision coverage increases the price to $2,182
- High-risk insureds who are prone to accidents and violations could pay around $3,782
- An auto insurance policy to insure a teen driver can cost $6,586 each year
Insurance prices for a Ford F-150 Lightning also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your F-150 Lightning.
Using high physical damage deductibles can save as much as $680 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $6,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $2,100 to $2,900 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Ford F-150 Lightning insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,340 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,568 | -$168 | -9.7% |
| Alaska | $1,330 | -$406 | -23.4% |
| Arizona | $1,440 | -$296 | -17.1% |
| Arkansas | $1,736 | -$0 | 0.0% |
| California | $1,980 | $244 | 14.1% |
| Colorado | $1,658 | -$78 | -4.5% |
| Connecticut | $1,784 | $48 | 2.8% |
| Delaware | $1,966 | $230 | 13.2% |
| Florida | $2,170 | $434 | 25.0% |
| Georgia | $1,604 | -$132 | -7.6% |
| Hawaii | $1,246 | -$490 | -28.2% |
| Idaho | $1,178 | -$558 | -32.1% |
| Illinois | $1,294 | -$442 | -25.5% |
| Indiana | $1,308 | -$428 | -24.7% |
| Iowa | $1,174 | -$562 | -32.4% |
| Kansas | $1,648 | -$88 | -5.1% |
| Kentucky | $2,368 | $632 | 36.4% |
| Louisiana | $2,570 | $834 | 48.0% |
| Maine | $1,074 | -$662 | -38.1% |
| Maryland | $1,432 | -$304 | -17.5% |
| Massachusetts | $1,386 | -$350 | -20.2% |
| Michigan | $3,014 | $1,278 | 73.6% |
| Minnesota | $1,454 | -$282 | -16.2% |
| Mississippi | $2,078 | $342 | 19.7% |
| Missouri | $1,542 | -$194 | -11.2% |
| Montana | $1,866 | $130 | 7.5% |
| Nebraska | $1,366 | -$370 | -21.3% |
| Nevada | $2,082 | $346 | 19.9% |
| New Hampshire | $1,250 | -$486 | -28.0% |
| New Jersey | $1,940 | $204 | 11.8% |
| New Mexico | $1,538 | -$198 | -11.4% |
| New York | $1,826 | $90 | 5.2% |
| North Carolina | $998 | -$738 | -42.5% |
| North Dakota | $1,424 | -$312 | -18.0% |
| Ohio | $1,200 | -$536 | -30.9% |
| Oklahoma | $1,782 | $46 | 2.6% |
| Oregon | $1,590 | -$146 | -8.4% |
| Pennsylvania | $1,658 | -$78 | -4.5% |
| Rhode Island | $2,318 | $582 | 33.5% |
| South Carolina | $1,574 | -$162 | -9.3% |
| South Dakota | $1,464 | -$272 | -15.7% |
| Tennessee | $1,520 | -$216 | -12.4% |
| Texas | $2,092 | $356 | 20.5% |
| Utah | $1,286 | -$450 | -25.9% |
| Vermont | $1,186 | -$550 | -31.7% |
| Virginia | $1,040 | -$696 | -40.1% |
| Washington | $1,340 | -$396 | -22.8% |
| West Virginia | $1,590 | -$146 | -8.4% |
| Wisconsin | $1,202 | -$534 | -30.8% |
| Wyoming | $1,548 | -$188 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-150 Lightning | $356 | $714 | $498 | $1,768 |
| 2023 Ford F-150 Lightning | $344 | $698 | $520 | $1,762 |
| 2022 Ford F-150 Lightning | $332 | $668 | $536 | $1,736 |
| 2021 Ford F-150 Lightning | $314 | $646 | $554 | $1,714 |
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 Shop for Low Cost Ford F-150 Lightning Insurance
Finding better rates on Ford F-150 Lightning insurance takes not taking risks behind the wheel, having good credit, being claim-free, and possibly raising deductibles. Invest time comparing rates once a year by getting quotes from direct companies, and also from insurance agencies where you live.
The following is a review of the data that was covered in the charts and tables above.
- You may be able to save around $210 per year just by quoting online in advance
- Drivers who purchase higher liability limits will pay an extra $590 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teens are expensive to insure, possibly costing $549 per month if they have full coverage
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $2,050 more per year for F-150 Lightning insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,586 |
| 20 | $4,042 |
| 30 | $1,804 |
| 40 | $1,736 |
| 50 | $1,588 |
| 60 | $1,558 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,182 |
| $250 | $1,974 |
| $500 | $1,736 |
| $1,000 | $1,510 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,736 |
| 50/100 | $1,843 |
| 100/300 | $1,977 |
| 250/500 | $2,326 |
| 100 CSL | $1,897 |
| 300 CSL | $2,192 |
| 500 CSL | $2,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,398 |
| 20 | $6,442 |
| 30 | $3,858 |
| 40 | $3,782 |
| 50 | $3,612 |
| 60 | $3,578 |
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 | $92 |
| Multi-vehicle | $93 |
| Homeowner | $26 |
| 5-yr Accident Free | $129 |
| 5-yr Claim Free | $113 |
| Paid in Full/EFT | $79 |
| Advance Quote | $87 |
| Online Quote | $123 |
| Total Discounts | $742 |
Discounts are estimated and may not be available from every company or in every state.
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