Ford F-150 Lightning Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Ford F-150 Lightning are $1,736 a year for full coverage. Comprehensive insurance costs an estimated $332 each year, collision costs $668, and liability is estimated at $536. A liability-only policy costs approximately $606 a year, with high-risk insurance costing $3,782 or more. Teenage drivers pay the most at $6,586 a year or more.
Average premium for full coverage: $1,736
Premium estimates broken down by type of coverage:
Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and F-150 Lightning models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Ford F-150 Lightning go from as low as $606 for just liability insurance to a high rate of $3,782 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates the difference location can make on insurance prices.
These rate differences show why all drivers should get quotes for a targeted area and risk profile, instead of using 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 shows estimated Ford F-150 Lightning insurance rates for other coverage scenarios.
- The best discount rate is $994
- Choosing higher $1,000 deductibles can save approximately $226 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,736
- Using low deductibles for comp and collision coverage will cost an extra $446 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $3,782 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $6,586 each year
Auto insurance prices for a Ford F-150 Lightning also have a wide range based on your driving characteristics, the trim level of your F-150 Lightning, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $6,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Ford F-150 Lightning insurance prices. A good driver about age 40 could pay as low as $1,150 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,470 on average in New York, Louisiana, 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% |
Using high physical damage deductibles can save as much as $680 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $2,100 to $2,900 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
| 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 Find the Cheapest Ford F-150 Lightning Insurance
Finding better rates on car insurance takes being a safe and courteous driver, having good credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a recap of the information touched on in this article.
- Drivers can save approximately $210 per year simply by quoting online in advance
- Teenage drivers are the costliest to insure, as much as $549 per month if they have full coverage
- Increasing policy deductibles can save around $675 each year
- Higher risk drivers that have major violations or accidents pay an average of $2,050 more annually for auto insurance
- Policyholders who want higher levels of liability will pay an extra $590 each year to raise limits from 30/60 bodily injury limits to 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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