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 including full coverage. Comprehensive costs around $344, collision costs $698, and liability costs around $520. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing around $3,832. Teen drivers cost the most to insure at $6,638 a year or more.
Average premium for full coverage: $1,762
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different F-150 Lightning trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford F-150 Lightning insurance rates go from as cheap as $592 for just liability coverage to a much higher rate of $3,832 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below breaks down estimated Ford F-150 Lightning insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,005
- Using higher $1,000 deductibles will save about $236 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,762
- Choosing more expensive low deductibles for physical damage coverage will cost $2,224
- Drivers with multiple violations and an at-fault accident could pay at least $3,832 or more
- Policy cost with full coverage for a teen driver with full coverage can be $6,638 or more
Auto insurance rates for a Ford F-150 Lightning also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $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 are likely paying at least $2,100 to $2,900 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $700 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit
Your home state 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 Missouri, New Hampshire, and Vermont, or as much as $2,510 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be varied 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 the Best Ford F-150 Lightning Insurance
Finding cheaper rates on car insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the material that was raised in the charts and tables above.
- Policyholders who may need an increased level of liability coverage will pay about $570 per year to increase from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $553 each month if full coverage is included
- Higher risk drivers who tend to receive serious violations may pay on average $2,070 more every year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $700 each year
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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