Ford F-150 Lightning Insurance Rates

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Ford F-150 Lightning are $1,762 annually with full coverage. Comprehensive insurance costs on average $344, collision costs $698, and liability insurance costs $520. A liability-only policy costs as little as $592 a year, with high-risk insurance costing $3,832 or more. Teenage drivers cost the most to insure at $6,638 a year or more.

Average premium for full coverage: $1,762

Policy rates by type of insurance:

Comprehensive $344
Collision $698
Liability $520

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all F-150 Lightning models.

Price Range Variability

For the average driver, Ford F-150 Lightning insurance rates go from as cheap as $592 for just liability insurance to the much higher price of $3,832 for a high-risk insurance policy.

Liability Only $592
Full Coverage $1,762
High Risk $3,832

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

Rural Areas $1,322
Small Cities $1,850
Large Cities $2,379

The examples above demonstrate why everyone should compare rates based on a specific location 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.

More Rate Details

The chart below details estimated Ford F-150 Lightning insurance rates for different risk profiles and scenarios.

  • The best discount rate is $1,005
  • Drivers who choose higher $1,000 deductibles will pay around $236 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,762
  • Using pricier low deductibles for comprehensive and collision insurance costs an additional $462 a year
  • High risk drivers who are prone to accidents and violations could pay upwards of $3,832 or more
  • Policy cost with full coverage for a teen driver for full coverage may cost $6,638 a year

View Chart as Image

Ford F-150 Lightning insurance cost comparison chart
Column chart showing full coverage Ford F-150 Lightning insurance prices range from $1,005 to $6,638

Car insurance rates for a Ford F-150 Lightning also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $6,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $2,100 to $2,900 extra every year, depending on your age. Ford F-150 Lightning insurance for high-risk drivers can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $700 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford F-150 Lightning insurance rates. A 40-year-old driver could pay as low as $1,270 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,370 on average in Florida, Michigan, and New York.

Ford F-150 Lightning Insurance Rates by State
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%

View Chart as Image

Ford F-150 Lightning insurance rates by U.S. city

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

Ford F-150 Lightning Insurance Rates by Model Year
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 Low Cost Ford F-150 Lightning Insurance

Finding cheaper rates on Ford F-150 Lightning insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and maximizing policy discounts. Spend time shopping around at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the car insurance concepts touched on above.

  • High-risk drivers who have several accidents or serious violations pay an average of $2,070 more each year for car insurance
  • You may be able to save as much as $210 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save up to $700 each year
  • Drivers who require higher liability limits will pay an extra $570 every year to go from a 30/60 limit to higher 250/500 limits

Rates by Driver Age

Ford F-150 Lightning Insurance 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

Ford F-150 Lightning Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,224
$250 $2,008
$500 $1,762
$1,000 $1,526

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Lightning Insurance Rates with Different Liability Limits
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

Ford F-150 Lightning Insurance 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.

SR-22 Surcharge $251

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
Rate after discounts $1,005

Discounts are estimated and may not be available from every company or in every state.

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