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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Ford F-150 Lightning are $1,736 annually for full coverage. Comprehensive insurance costs around $332 a year, collision costs $668, and liability insurance is $536. A liability-only policy costs around $606 a year, with high-risk insurance costing $3,782 or more. Teenage drivers receive the highest rates at $6,586 a year or more.
Average premium for full coverage: $1,736
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and F-150 Lightning trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $606 for just the minimum liability insurance to a high of $3,782 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.
The diagram below illustrates how location impacts auto insurance rates.
These examples show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, 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 shows estimated Ford F-150 Lightning insurance rates for additional coverage choices and driver risks.
- The best discount rate is $994
- Raising to $1,000 deductibles will save about $1,510 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,736
- Using low $100 deductibles costs an additional $446 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,782 or more
- The cost with full coverage for a teen driver can be $6,586
Insurance rates for a Ford F-150 Lightning can also vary considerably based on the trim level of your F-150 Lightning, your driver profile, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $6,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $2,100 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $680 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Ford F-150 Lightning insurance rates. A middle-age driver might find rates as low as $1,150 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,470 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different between companies.
| 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 Buy Low Cost Ford F-150 Lightning Insurance
Saving money on Ford F-150 Lightning insurance consists of being safe and accident-free, having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Spend time shopping around at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
Below you'll find a review of the car insurance concepts touched on above.
- High-risk drivers who have several accidents or serious violations pay an average of $2,050 more every year than a low-risk driver
- Drivers can save up to $210 per year simply by quoting early and online
- Increasing deductibles could save up to $675 each year
- Drivers who may need more liability protection will pay an extra $590 each year to raise from a minimum limit to higher 250/500 limits
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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