Ford F-150 Lightning Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Ford F-150 Lightning are $1,762 annually for full coverage. Comprehensive insurance costs approximately $344 each year, collision insurance costs $698, and liability costs around $520. Buying just liability costs as low as $592 a year, and insurance for high-risk drivers costs $3,832 or more. Teenage drivers pay the highest rates at up to $6,638 a year.
Average premium for full coverage: $1,762
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and F-150 Lightning models.
Price Range from Low to High
For an average driver, Ford F-150 Lightning insurance prices range from as cheap as $592 for just the minimum liability insurance to a high rate of $3,832 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above show why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based 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.
Additional Rate Analysis
The chart below shows average Ford F-150 Lightning insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,005
- Using higher $1,000 deductibles will save $236 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,762
- Using low deductibles for physical damage coverage costs an additional $462 annually
- High-risk insureds who are prone to accidents and violations could pay around $3,832
- The price with full coverage for a 16-year-old driver can cost $6,638 or more
Insurance prices for a Ford F-150 Lightning are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $2,100 to $2,900 additional each year, depending on your age. Insurance for high-risk drivers can be from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $700 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Ford F-150 Lightning insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,510 on average in New York, Louisiana, and Michigan.
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% |
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 Buy the Best Ford F-150 Lightning Insurance
Getting lower rates on insurance for a Ford F-150 Lightning requires being a good driver, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief recap of the data covered in the above illustrations.
- Insureds who purchase an increased level of liability coverage will pay an extra $570 each year to increase from a low limit to higher 250/500 limits
- Drivers can save around $210 per year just by quoting online in advance
- Increasing physical damage deductibles could save up to $700 each year
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $553 a month if they have full coverage
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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