Ford F-150 Lightning Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Ford F-150 Lightning are $1,762 annually including full coverage. Comprehensive insurance costs an estimated $344 each year, collision costs $698, and liability costs around $520. Liability-only coverage costs as low as $592 a year, with high-risk coverage costing $3,832 or more. Teen drivers receive the highest rates at $6,638 a year or more.
Average premium for full coverage: $1,762
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and F-150 Lightning models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $592 for just the minimum liability insurance to a high rate of $3,832 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates how location impacts insurance prices.
These examples highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.
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 breaks down estimated Ford F-150 Lightning insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,005
- Using higher $1,000 deductibles will save approximately $236 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,762
- Choosing low deductibles for physical damage coverage costs an additional $462 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,832 or more
- The cost with full coverage for a 16-year-old driver can cost as much as $6,638 or more
Car insurance rates for a Ford F-150 Lightning can also vary considerably based on the trim level of your F-150 Lightning, your driving characteristics, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,600 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $6,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $2,100 to $2,900 extra per year, depending on your age. Insurance for high-risk drivers can be from 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $700 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Ford F-150 Lightning insurance prices. A driver around age 40 might see rates as low as $1,350 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,510 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.
| 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 Buy Affordable Ford F-150 Lightning Insurance
Saving money on insurance for a Ford F-150 Lightning requires being safe and accident-free, having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below you'll find a brief review of the concepts that were touched on above.
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $2,070 more annually than a low-risk driver
- Youthful drivers have the highest car insurance rates, as much as $553 per month if comprehensive and collision insurance is included
- You may be able to save approximately $210 per year simply by quoting online in advance
- Increasing deductibles could save up to $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.
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