Cheapest for Ford F-150: State Farm
18,155 reviewsMin. Coverage for Ford F-150
$41/mo
Pros & Cons
18,155 reviews2nd Cheapest for Ford F-150: Geico
19,116 reviewsCompany Facts
Min. Coverage for Ford F-150
$42/mo
Pros & Cons
19,116 reviews3rd Cheapest for Ford F-150: Travelers
1,733 reviewsCompany Facts
Min. Coverage for Ford F-150
$49/mo
Pros & Cons
1,733 reviewsThe best cheap Ford F-150 insurance companies are State Farm, Geico, and Travelers, with low monthly rates of $41.
Our Top 10 Company Picks: Cheap Ford F-150 Insurance
The top 10 Ford insurance companies excel by balancing affordability, coverage, and service, which is important when you’re looking for the best car insurance rates by state. State Farm remains the top pick overall with consistently low rates and broad policy options in most states.
This guide walks you through each company’s features, from competitive pricing to policy coverage, so that you can find the right Ford F-150 insurance for your needs.
Just the Basics
- State Farm has the cheapest Ford F-150 insurance rates at $41 monthly
- Travelers excels with add‑ons for custom parts and replacement coverage
- Modified Ford F-150 truck insurance will cost more per month
Ready to discover which car insurance company meets both your budget and coverage needs? Enter your ZIP code to compare local providers for free.
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#1 – State Farm: Top Overall Pick
Pros
- Strong Customer Loyalty: Along with low premiums, State Farm ranks high for customer satisfaction and keeping policyholders long-term.
- High Claims Satisfaction: It’s a cheap Ford F-150 insurance company for an easy and reliable claims experience. Read more in our State Farm review.
- Broad Availability: Offers cheap Ford F-150 insurance rates starting at $41 a month in all 50 states (not writing new policies in RI or MA).
Cons
- Limited Customization: Offers fewer personalized policy options compared to other cheap Ford F-150 insurance companies.
- Basic Digital Tools: Lags behind other cheap Ford F-150 insurance companies in app and tech features.
#2 – Geico: Best Digital Tools
Pros
- Digital Tools: Known for user-friendly apps and online access for cheap Ford F-150 insurance quotes that start at $42 per month.
- Fast Claims Processing: Among cheap Ford F-150 insurance companies, Geico excels at quick and efficient online claims handling.
- Broad Driver Appeal: Caters to a wide range of drivers, with affordable Ford F-150 insurance for teen drivers to those with less-than-perfect credit. Check out our Geico review for more.
Cons
- Minimal Local Support: Has fewer local agents than other cheap Ford F-150 insurance discount companies.
- Limited Customization: Other inexpensive Ford F-150 truck insurance companies offer more personalized coverage.
#3 – Travelers: Cheapest Coverage Add-Ons
Pros
- Coverage Add-Ons: Offers a wide variety of affordable add-ons for cheap Ford F-150 insurance, including gap insurance and OEM coverage. Find the full list in our Travelers review.
- Flexible Policies: Renowned for affordable Ford F-150 car insurance options, including ridesharing policies, starting at $49 a month.
- Accident Forgiveness: Includes perks like accident forgiveness that some cheap Ford F-150 insurance companies lack.
Cons
- Fewer Discounts: Offers fewer discounts compared to other cheap Ford F-150 insurance companies.
- Less Intuitive App: The mobile experience is not as good as that of top Ford F-150 insurance companies.
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#4 – Allstate: Best For Customer Service
Pros
- Strong Customer Support: Allstate is known for responsive service among cheap Ford F-150 insurance companies. Read our Allstate review for more details.
- Affordable Rates: Cheap Ford F-150 insurance quotes start at $55 a month for most drivers, with affordable coverage in all 50 states.
- Innovative Tools: Offers unique online tools that make it easier to manage Ford F-150 insurance policies online than at other companies.
Cons
- Premium Features: Offers high-end features that can add to Ford F-150 insurance costs compared to other cheap companies.
- Teen Rates: New drivers looking for cheap Ford F-150 insurance will find lower rates at other companies.
#5 – Progressive: Best For Payment Plans
Pros
- Flexible Billing: Features more payment options for more affordable Ford F-150 coverage for drivers who want to stick to a budget.
- Name Your Price Tool: Offers a unique budgeting tool online not commonly found among Ford F-150 insurance companies. Learn how it works in our Progressive review.
- Low-Mileage Discounts: Drivers who drive less than 11,000 miles per year can lower their Ford F-150 insurance rates by up to 30% with Progressive.
Cons
- Service Variability: Ford F-150 insurance customer service quality can vary depending on where you live.
- Weak Local Presence: Has fewer agent locations than some cheap Ford F-150 insurance companies.
#6 – Nationwide: Cheapest With Discounts
Pros
- Discount Variety: Offers one of the widest discount selections for cheaper Ford F-150 insurance. Learn more in our Nationwide review.
- Good Driver Discounts: Nationwide offers one of the biggest Ford F-150 insurance discounts of 40% to safe drivers who track their habits with Nationwide SmartRide telematics.
- Bundling Options: Drivers who bundle Ford F-150 insurance with home or renters insurance can save 20%.
Cons
- Limited Digital Tools: Online experience is not as advanced as other top cheap Ford F-150 insurance companies.
- Slower Claims Process: Ford F-150 insurance claims take longer than with other cheap Ford F-150 insurance companies.
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#7 – Farmers: Cheapest Roadside Assistance
Pros
- Roadside Assistance: Offers the cheapest roadside assistance add-on for Ford F-150s in most states.
- Custom Coverage: Provides more tailored and affordable policy options for modified trucks than many Ford F-150 insurance companies.
- Strong Agent Network: Known for local agent support for Ford F-150 insurance questions, claims, and policy changes. Find additional info in our review of Farmers.
Cons
- Outdated Mobile Tools: Digital features aren’t as modern as other cheap Ford F-150 insurance companies.
- Selective States: Cheap Ford F-150 truck insurance from Farmers is only available in 42 states.
#8 – American Family: Cheapest For Costco Members
Pros
- Costco Discounts: Costco members get exclusive policy options and cheaper Ford F-150 insurance rates than other drivers.
- Loyalty Rewards: Renewing policies, adding drivers, and having family members sign up with Am Fam all lead to lower Ford F-150 insurance rates.
- Solid Bundling: Provides a 25% bundling discount for cheap Ford F-150 insurance. Explore our American Family review for more discounts.
Cons
- Limited Availability: Not offered in as many states as other cheap Ford F-150 insurance companies.
- Fewer Tech Features: App and online tools are limited versus other cheap Ford F-150 insurance companies.
#9 – Erie: Cheapest With Locked-In Rates
Pros
- Lock-In Rates: Erie RateLock keeps Ford F-150 insurance affordable by preventing rate hikes after a claim or at policy renewal.
- Pet Coverage: Cheap Ford F-150 insurance starts at $64 per month and includes up to $1,000 in pet coverage.
- High Satisfaction: Among cheap Ford F-150 insurance companies, Erie is top-rated for customer satisfaction. Read the specifics in our Erie review.
Cons
- Regional Availability: Erie Insurance for Ford F-150s is only available in 11 states.
- Weak Online Access: Online services are weaker than other cheap Ford F-150 insurance companies.
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#10 – Liberty Mutual: Cheapest Customized Options
Pros
- Customized Coverage Options: Full Ford F-150 insurance with new car replacement or OEM coverage starts at $66 a month.
- Anti-Theft Devices: Get up to 35% off Ford F-150 insurance costs if you install additional anti-theft devices in your truck.
- Easy Quote Process: It’s easier to get cheap Ford F-150 insurance quotes online with Liberty Mutual than other companies. See our Liberty Mutual review for more.
Cons
- Not the Cheapest: Rates may be higher after customization than other cheap Ford F-150 insurance companies.
- Slower Support Response: Some delays reported when filing Ford F-150 insurance claims compared to other companies.
Ford F-150 Insurance Cost & Coverage Options
Learn about your insurance options and you can save on cheap Ford F-150 insurance. Minimum coverage is what you are legally required to have and protects you if you cause damage to someone else, while full coverage typically adds protection to your truck in the event of an accident, theft, or elemental damage.
Full coverage is often the better choice for newer or financed F-150s, especially if used for towing, off-roading, or heavy-duty work. Add-ons like OEM parts replacement, gap insurance, and roadside assistance are smart extras for drivers with upgrades or custom builds.
Ford F-150 Insurance: Monthly Rates by Coverage Level
To help narrow down the right option, here are the core types of coverage every Ford F-150 driver should understand:
- Liability Coverage: This is the most basic and legally required protection, covering damage to others in an at-fault accident; it’s best suited for older F-150s with low value.
- Full Coverage: This includes liability, collision, and comprehensive protection and is ideal for most F-150 drivers, especially if the truck is newer, financed, or used for work and hauling.
- Optional Add-Ons: Coverage like OEM parts replacement, roadside assistance, and gap insurance are smart upgrades for modified or heavily used trucks, providing more tailored protection.
Understanding different types of car insurance coverage is key for any Ford F-150 driver who wants to get the most out of their policy. Whether you drive a base model for daily errands or a fully loaded version for hauling, towing, or job site work, having the right coverage makes all the difference.
Liability may meet the minimum legal requirements, but it won’t cover damage to your own vehicle. That’s why full coverage and thoughtfully selected add-ons are so valuable—they offer stronger financial protection and greater peace of mind.
Taking the time to compare plans, assess your needs, and choose coverage that fits how you actually use your F-150 can help you stay protected without overpaying.
Ford F-150 Insurance Costs by Model Year
The average insurance cost of buying a Ford F-150 will greatly depend on the model year and trim. One user reported paying higher insurance on their Ford F-150 Lightning compared with a conventionally-powered model, which shows how the technology in electric vehicles might influence rates. These insights may help explain the numbers below.
Ford F-150 Full Coverage Insurance Rates by Model Year
This breakdown offers a clear view of how full coverage insurance costs for the Ford F-150 tend to drop with older model years. If you’re trying to estimate the 2013 Ford F-150 insurance cost, this table is a great place to start. To get an even more personalized perspective, checking out real-world experiences on forums like F-150 insurance cost Reddit can be extremely helpful.
Insurance rates
byu/MalarkeyMadness inF150Lightning
They also share their quotes, the carriers they selected, and tips on how to lower your car insurance cost, from bundling policies to raising deductibles to adding safety features. These are some strategies that can help secure the best possible rate.
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Insurance Discounts for Ford F-150 Drivers
Is F-150 expensive to insure? Not necessarily, and it’s cheaper than Ford F-450 Super Duty Insurance, especially if you know how to take advantage of the right discounts.
Want to know the Ford F-150 insurance cost per month and how you can lower it? If you want tips on how you can save money on Ford F-150 insurance, we’ve pulled together some of the best offers from trusted providers.
Car Insurance Discounts From the Top Providers
From bundling your policies to keeping a clean driving record, there are more ways to save than you might think. Take a look at what State Farm, Geico, and Travelers are offering. Each one has discounts tied to your driving habits, and those savings can add up fast if you have a claim-free record.
If you’re looking to cut down your Ford F-150 insurance cost, there are plenty of ways to do it without sacrificing quality coverage. Installing an anti-theft system in your truck, driving safely, bundling your insurance, and even scaling back on your driving can all help shave down your premium.
Read More: Best Car Insurance for Ford Raptors
Cheap Ford F-150 insurance companies like State Farm, Geico, and Travelers step up with smart savings for drivers who qualify, rewarding everything from low mileage to loyalty.
With a few smart choices and a little comparison shopping, you could take some of the stress off your monthly Ford F-150 insurance payment.
Finding the Right Ford F-150 Coverage Without Overpaying
Still wondering, how can I save money on my Ford F-150 insurance? Shop around and compare quotes from cheap Ford F-150 insurance companies. Whether that’s State Farm for low rates, Geico for digital convenience, or Travelers for strong coverage add-ons, there’s a plan that works for you.
The best way to avoid overpaying is to compare quotes and choose coverage based on how you use your F-150, not just the price.
Scott W. Johnson
Licensed Insurance Agent
If you are still unsure about the protection you need, reviewing the types of car insurance policies for Ford F-150s should help you understand what to expect from each type of coverage.
Read More: Cheap Ford F-250 Super Duty Insurance
Shopping around for free car insurance quotes can help you find the right police and save you money each month. Enter your ZIP code to get started with quotes from local Ford F-150 insurance companies near you.
Frequently Asked Questions
Which companies currently offer the cheapest Ford F-150 insurance rates?
The cheapest Ford F-150 insurance rates are currently offered by State Farm at $41 per month, followed by Geico at $42 and Travelers at $49.
What factors affect Ford F-150 insurance costs?
Insurance rates for a Ford F-150 are influenced by your driving history, age, location, credit score, how you use the vehicle, annual mileage, and the specific trim level and features of your truck. Cheap car insurance quotes are just a click away—enter your ZIP code to find your best policy.
Are older Ford F-150 models cheaper to insure?
Yes, insuring an older Ford F-150 is cheaper. Full coverage costs $165 per month for a 2025 model and $90 for a 2016. Is used car insurance cheaper? In most cases, yes, because of lower value and repair costs.
How do trim levels such as XL, XLT, Lariat, or others impact Ford F-150 insurance?
Midgrade and high-end trims like the Lariat or Platinum can cost more to insure due to added tech, while XL and XLT models are usually cheaper.
How can I lower my Ford F-150 insurance premiums?
You can keep insurance costs down by driving safely, bundling policies, raising your deductible, and picking a provider with good discounts or flexible payments.
Does the Ford F-150 safety rating influence insurance costs?
The Ford F-150’s higher safety ratings can help lower insurance costs since safer vehicles are less likely to be involved in serious car accidents and claims (Learn More: How to Find a Safe Car For Your Teen).
Is gap insurance recommended for a new Ford F-150?
Gap insurance is highly recommended if you’re financing or leasing a new F-150. It covers the difference between what you owe and the truck’s actual value if it’s totaled.
What coverage do I need if I use my Ford F-150 for business or commercial purposes?
If you’re using your truck for work, a commercial auto insurance policy is essential. It offers the protection you need for job-related use that personal policies won’t cover.
How does my home address or parking situation affect Ford F-150 insurance?
What if I rent out my Ford F-150 through Turo or other platforms?
Renting out your F-150 through platforms like Turo requires additional coverage, either through the platform’s insurance or a commercial policy, since standard insurance typically doesn’t cover rental activity.
Will modifications to my Ford F-150 raise my insurance cost?
Yes, custom modifications, especially those that enhance performance or appearance, can increase your premium because they raise the vehicle’s value and potential repair costs.
Are Ford F-150s prone to theft, and does that impact premiums?
What type of deductible should I select for my Ford F-150 coverage?
Choosing a higher deductible lowers your monthly rate, but make sure it’s an amount you’re okay paying if you ever file a claim.
What is the significance of the insurer’s financial strength ratings for my Ford F-150 policy?
A strong financial rating, like those held by Geico or Travelers, means the insurer is reliable when it comes to paying claims. This adds peace of mind that your coverage is backed by a stable company. Looking for a highly-rated car insurance company? Enter your ZIP code to compare for free.
Which insurers offer the broadest discounts for a Ford F-150?
Allstate and Progressive offer smart bundling options and rewards for safe driving, and Nationwide impressed us with its collection of Ford F-150 insurance discounts. All of these are worth considering when examining factors that affect the price of car insurance.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina…
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