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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Estimated insurance prices for a Ford F-150 Lightning are $1,736 every 12 months including full coverage. Comprehensive insurance costs approximately $332 a year, collision insurance costs $668, and liability insurance is estimated at $536. A policy with only liability insurance costs approximately $606 a year, and a high-risk policy costs $3,782 or more. Teen drivers pay the most at up to $6,586 a year.
Average premium for full coverage: $1,736
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and F-150 Lightning trim levels.
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 liability-only coverage to a high of $3,782 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.
These rate differences highlight why it is important to get quotes using their specific location and their own driving history, rather than relying 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 Charts and Tables
The chart below breaks down average Ford F-150 Lightning insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $994
- Choosing higher $1,000 deductibles can save $1,510 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,736
- Choosing low $100 deductibles for comp and collision coverage costs an extra $446 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,782
- An auto insurance policy to insure a teen driver can cost $6,586 each year
Car insurance prices for a Ford F-150 Lightning also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your F-150 Lightning.
Choosing high deductibles can save as much as $680 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged 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 are likely paying anywhere from $2,100 to $2,900 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 135% more than average. 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 $1,330 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,470 on average in Louisiana, New York, and Michigan.
| 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 More Affordable Ford F-150 Lightning Insurance
Finding better rates on Ford F-150 Lightning insurance takes having a decent driving record, maintaining a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The following items are a summary of the information covered in the charts and tables above.
- You may be able to save around $210 per year just by quoting early and online
- 16 to 18-year-old drivers pay the highest auto insurance prices, with the cost nearing $549 per month if the policy includes full coverage
- Increasing policy deductibles could save as much as $675 each year
- High-risk drivers who have multiple accidents or major violations could be charged and average of $2,050 more per year than a driver with a clean driving record
- Drivers who purchase additional liability coverage will pay about $590 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
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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