Ford F-150 Lightning Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Ford F-150 Lightning are $1,768 every 12 months for full coverage insurance. Comprehensive costs around $356 a year, collision costs $714, and liability insurance costs $498. Liability-only coverage costs as little as $574 a year, with high-risk coverage costing around $3,846. Teen drivers cost the most to insure at $6,622 a year or more.
Average premium for full coverage: $1,768
Policy rates for type of insurance:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and F-150 Lightning trim levels.
Price Range Variability
For a driver in their 40's, Ford F-150 Lightning insurance rates go from the cheapest price of $574 for just the minimum liability insurance to a high of $3,846 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance rates.
The examples above illustrate why it is important to compare rates for a specific zip code and their own driving history, rather than relying on 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.
Additional Rate Analysis
The chart below illustrates estimated Ford F-150 Lightning insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,010
- Drivers who choose higher $1,000 deductibles will pay about $1,528 each year
- The average price for a good driver age 40 using $500 deductibles is $1,768
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $2,244
- High risk drivers with multiple violations and an at-fault accident could pay at least $3,846 or more
- Policy cost to insure a teen driver can be $6,622 a year
Insurance rates for a Ford F-150 Lightning also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Choosing high deductibles could save up to $720 each year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $448 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared 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 were responsible for an accident, you are probably paying at least $2,100 to $2,900 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates
Your home state makes a big difference in Ford F-150 Lightning insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,390 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to get quotes from as many companies as possible. Every company uses a different rate calculation, and rates will be varied.
| 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 Shop for Affordable Ford F-150 Lightning Insurance
Finding cheaper rates on Ford F-150 Lightning insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every other policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a brief review of the ideas that were covered in the charts and tables above.
- Teen drivers are charged the highest rates, possibly costing $552 each month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $2,080 more every year to insure their F-150 Lightning
- Increasing comprehensive and collision deductibles could save as much as $725 each year
- It is possible to save up to $210 per year simply by quoting early and online
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.
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