Ford F-150 Lightning Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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.
U.S. average insurance rates for a Ford F-150 Lightning are $1,768 a year including full coverage. Comprehensive insurance costs on average $356 each year, collision costs $714, and liability is $498. Buying just liability costs around $574 a year, with insurance for high-risk drivers costing $3,846 or more. Teens pay the highest rates at $6,622 a year or more.
Average premium for full coverage: $1,768
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and F-150 Lightning models.
Price Range from Low to High
For a driver in their 40's, Ford F-150 Lightning insurance prices go from the low end price of $574 for just the minimum liability insurance to a high rate of $3,846 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine car insurance rates.
The ranges above highlight why all drivers should compare rates quotes based on a specific location, 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.
Additional Rate Analysis
The chart below breaks down estimated Ford F-150 Lightning insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,010
- Raising to $1,000 deductibles will save around $240 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,768
- Selecting low deductibles will cost an additional $476 annually
- Drivers with serious driving violations could pay upwards of $3,846 or more
- The price that insures a 16-year-old driver may cost $6,622
Insurance prices for a Ford F-150 Lightning are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $2,100 to $2,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,600 a year. View Rates by Age
The state you live in also has a big influence on Ford F-150 Lightning insurance prices. A middle-age driver might find prices as low as $1,360 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,520 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,598 | -$170 | -9.6% |
| Alaska | $1,356 | -$412 | -23.3% |
| Arizona | $1,468 | -$300 | -17.0% |
| Arkansas | $1,768 | -$0 | 0.0% |
| California | $2,014 | $246 | 13.9% |
| Colorado | $1,688 | -$80 | -4.5% |
| Connecticut | $1,816 | $48 | 2.7% |
| Delaware | $2,002 | $234 | 13.2% |
| Florida | $2,210 | $442 | 25.0% |
| Georgia | $1,632 | -$136 | -7.7% |
| Hawaii | $1,270 | -$498 | -28.2% |
| Idaho | $1,200 | -$568 | -32.1% |
| Illinois | $1,318 | -$450 | -25.5% |
| Indiana | $1,336 | -$432 | -24.4% |
| Iowa | $1,194 | -$574 | -32.5% |
| Kansas | $1,678 | -$90 | -5.1% |
| Kentucky | $2,412 | $644 | 36.4% |
| Louisiana | $2,618 | $850 | 48.1% |
| Maine | $1,094 | -$674 | -38.1% |
| Maryland | $1,460 | -$308 | -17.4% |
| Massachusetts | $1,414 | -$354 | -20.0% |
| Michigan | $3,072 | $1,304 | 73.8% |
| Minnesota | $1,480 | -$288 | -16.3% |
| Mississippi | $2,118 | $350 | 19.8% |
| Missouri | $1,568 | -$200 | -11.3% |
| Montana | $1,902 | $134 | 7.6% |
| Nebraska | $1,394 | -$374 | -21.2% |
| Nevada | $2,122 | $354 | 20.0% |
| New Hampshire | $1,276 | -$492 | -27.8% |
| New Jersey | $1,974 | $206 | 11.7% |
| New Mexico | $1,568 | -$200 | -11.3% |
| New York | $1,860 | $92 | 5.2% |
| North Carolina | $1,018 | -$750 | -42.4% |
| North Dakota | $1,450 | -$318 | -18.0% |
| Ohio | $1,222 | -$546 | -30.9% |
| Oklahoma | $1,816 | $48 | 2.7% |
| Oregon | $1,620 | -$148 | -8.4% |
| Pennsylvania | $1,688 | -$80 | -4.5% |
| Rhode Island | $2,360 | $592 | 33.5% |
| South Carolina | $1,604 | -$164 | -9.3% |
| South Dakota | $1,494 | -$274 | -15.5% |
| Tennessee | $1,548 | -$220 | -12.4% |
| Texas | $2,132 | $364 | 20.6% |
| Utah | $1,310 | -$458 | -25.9% |
| Vermont | $1,208 | -$560 | -31.7% |
| Virginia | $1,058 | -$710 | -40.2% |
| Washington | $1,366 | -$402 | -22.7% |
| West Virginia | $1,622 | -$146 | -8.3% |
| Wisconsin | $1,222 | -$546 | -30.9% |
| Wyoming | $1,576 | -$192 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $720 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $448 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-150 Lightning | $390 | $750 | $466 | $1,806 |
| 2023 Ford F-150 Lightning | $372 | $720 | $488 | $1,780 |
| 2022 Ford F-150 Lightning | $356 | $714 | $498 | $1,768 |
| 2021 Ford F-150 Lightning | $344 | $698 | $520 | $1,762 |
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 More Affordable Ford F-150 Lightning Insurance
Getting lower rates on insurance for a Ford F-150 Lightning consists of being a good driver, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare rates at every policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The following list is a summary of the data covered in the charts and tables above.
- Insureds who require an increased level of liability coverage will pay approximately $550 per year to raise from a low limit to the 250/500 level
- You may be able to save as much as $210 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $725 each year
- Drivers age 16 to 20 pay higher prices, possibly costing $552 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,622 |
| 20 | $4,114 |
| 30 | $1,846 |
| 40 | $1,768 |
| 50 | $1,614 |
| 60 | $1,584 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,244 |
| $250 | $2,022 |
| $500 | $1,768 |
| $1,000 | $1,528 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,768 |
| 50/100 | $1,868 |
| 100/300 | $1,992 |
| 250/500 | $2,316 |
| 100 CSL | $1,917 |
| 300 CSL | $2,191 |
| 500 CSL | $2,391 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,462 |
| 20 | $6,548 |
| 30 | $3,932 |
| 40 | $3,846 |
| 50 | $3,672 |
| 60 | $3,638 |
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 | $93 |
| Homeowner | $26 |
| 5-yr Accident Free | $133 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $83 |
| Advance Quote | $89 |
| Online Quote | $125 |
| Total Discounts | $758 |
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
