Best Ford F-150 Auto Insurance in 2025 (Check Out These 10 Companies!)

If you’re looking for the best Ford F-150 auto insurance, State Farm, Geico, and Progressive offer top-tier coverage with competitive rates starting at $102 monthly.

State Farm is best for affordable full coverage insurance with accident-free discounts and $500 rental reimbursement. Geico excels with mechanical breakdown insurance for newer F-150s, while Progressive provides the best custom parts coverage, offering up to $5,000 for modified trucks.

Our Top 10 Company Picks: Best Ford F-150 Auto Insurance

These insurers balance cost, coverage, and exclusive perks for F-150 drivers.

Keep reading to compare the top Ford F-150 auto insurance companies to find the best mix of cost and coverage. Use our free comparison tool to get free auto insurance quotes now.

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#1 – State Farm: Top Overall Pick

Pros

• Drive Safe & Save Discount: Drivers using telematics to track safe driver habits can save up to 30% on their Ford F-150 auto insurance.
• Rental Reimbursement Coverage: Pays up to $500 for a rental car if your Ford F-150 is in the shop after a covered accident.
• Bundling Discount: Home and auto insurance bundling reduces Ford F-150 auto insurance rates by up to 17%.

Cons

• Limited High-Risk Driver Discounts: Ford F-150 owners with prior at-fault accidents or DUIs may not qualify for the same discount levels as Geico or Progressive.
• Higher Deductibles for Trucks: Ford F-150 owners may face a $1,000 minimum deductible for certain coverages. Learn more in our State Farm insurance review.

#2 – Geico: Best for Breakdown Coverage

Pros

• Mechanical Breakdown Insurance: Extends Ford F-150’s factory warranty for engine, transmission, and other vital parts.
• Military Discount: Ford F-150 insurance is discounted by up to 15% for active and retired military personnel.
• Bundling Discount: Ford F-150 owners with multiple policies qualify for the highest bundling discount among major insurers.

Cons

• Limited Custom Equipment Coverage: Ford F-150 owners modifying their trucks are only covered up to $1,000 without an add-on policy.
• High Young Driver Rates: Ford F-150 owners under 25 pay 20% more on average than older drivers. Compare quotes in our Geico insurance review.

#3 – Progressive: Best Custom Parts Coverage

Pros

• Custom Parts & Equipment Coverage: Protects aftermarket modifications on Ford F-150s up to $5,000.
• Snapshot Safe Driving Discount: Ford F-150 drivers using telematics can earn up to 20% off for safe driving. Unlock details in our Progressive Snapshot review.
• Accident Forgiveness: No premium increase for the first at-fault accident if a Ford F-150 driver has five claim-free years.

Cons

• Higher Base Rates: Ford F-150 insurance premiums are 10% higher than State Farm without discounts.
• Snapshot Discount Variability: High-mileage Ford F-150 drivers may see less than 5% in savings through the program.

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#4 – Allstate: Best Add-On Coverages

Pros

• New Car Replacement: Replace a totaled Ford F-150 with a newer model if it’s within the first two years of ownership.
• Sound System Protection: Covers aftermarket stereo, speakers, and in-dash navigation for up to $2,500.
• Multi-Policy Discount: Ford F-150 owners bundling home, renters, or life insurance save up to 25%. Get more quotes in our Allstate auto insurance review.

Cons

• Higher Premiums: Even with the 25% bundling discount, Ford F-150 drivers pay $30-$50 more monthly than competitors.
• Mileage-Based Discounts Are Strict: Low-mileage Ford F-150 auto insurance discounts require less than 7,500 miles per year.

#5 – Travelers: Best for Safe Drivers

Pros

• Premier Responsible Driver Plan: Prevents Ford F-150 insurance rate increases after one minor accident.
• IntelliDrive Telematics: Ford F-150 owners tracking driving behavior can save up to 30%. Explore your options in our Travelers IntelliDrive review.
• $0 Glass Deductible Option: Windshield and window repairs for a Ford F-150 may qualify for full coverage without a deductible.

Cons

• Limited Discounts Availability: Some discounts are state-specific, limiting Ford F-150 insurance savings in certain locations.
• Expensive High-Risk Driver Coverage: Ford F-150 drivers with accidents or violations pay $20 per month more than with Geico.

#6 – Nationwide: Best Usage-Based Discounts

Pros

• SmartRide Telematics Discount: Safe Ford F-150 drivers can save up to 40% based on their driving habits. Read how in our Nationwide SmartRide App review.
• Vanishing Deductible Program: Reduces a Ford F-150’s deductible by $100 annually, down to a minimum of $500.
• Bundling Discount: Home and auto bundling lowers Ford F-150 insurance costs by 20%.

Cons

• Full Coverage Rates: Ford F-150 full coverage auto insurance is more expensive with Nationwide than other providers.
• Older Model Surcharge: Ford F-150 models older than 10 years may have higher-than-average premiums.

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#7 – Liberty Mutual: Best for Customizable Policies

Pros

• Better Car Replacement: Replace a totaled Ford F-150 with a model that is one year newer and has 15,000 fewer miles.
• RightTrack Telematics: Ford F-150 drivers can earn up to 30% in premium discounts with safe driving habits. Get a list of discounts in our Liberty Mutual insurance review.
• Gap Coverage Add-On: Covers the remaining loan balance if a Ford F-150 is totaled and its loan is higher than its value.

Cons

• Stacking Discounts is Limited: Some Ford F-150 policyholders cannot combine multiple discounts.
• Strict RightTrack Rules: Ford F-150 owners must maintain consistent telematics tracking for full benefits.

#8 – AAA: Best Online App

Pros

• Mobile Claims Filing: The AAA Auto Club app allows Ford F-150 drivers to file claims, track repairs, and request roadside assistance in real time.
• Trip Interruption Protection: Covers lodging and food expenses if a Ford F-150 breaks down 100+ miles from home. Access comprehensive insights into our AAA auto insurance review.
• AAA Member Discount: AAA members save 15% or more on Ford F-150 auto insurance, with additional regional savings of up to 20% in select states.

Cons

• Membership Required: Ford F-150 drivers must maintain an active AAA membership to access discounts.
• Fewer Customization Options: AAA’s coverage options for Ford F-150 trucks are less flexible than Liberty Mutual’s.

#9 – USAA: Best for Military Savings

Pros

• Military Discount: Active and retired service members insuring a Ford F-150 receive exclusive savings and policy options.
• Accident Forgiveness: Ford F-150 auto insurance rates are kept steady after a first at-fault accident. Discover more in our USAA auto insurance review.
• Superior Financial Strength Rating: USAA holds the highest financial stability ranking — a superior A++ from A.M. Best.

Cons

• Limited Eligibility: Only military personnel, veterans, and their families can qualify for USAA Ford F-150 insurance.
• No Local Agents: Ford F-150 drivers who prefer in-person service must rely on online or phone support.

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#10 – Farmers: Best for Local Agents

Pros

• Dedicated Local Agents: Ford F-150 owners get personalized service through Farmers’ nationwide network of agents.
• Signal Telematics Discount: Safe Ford F-150 drivers using the Signal app can save up to 20%. Check out insurance savings in our complete Farmers Signal auto insurance review.
• OEM Parts Coverage: Covers repairs using original Ford parts for newer Ford F-150 models.

Cons

• Higher Base Premiums: Compared to rivals like Geico and State Farm, Farmers Ford F-150 auto insurance rates are 10%–15% higher.
• Limited Digital Features: Farmers Insurance mobile app lacks real-time tracking for Ford F-150 auto insurance claims.

Comparing F-150 Insurance Rates From Top Providers

Cost and coverage are balanced by the best Ford F-150 insurance. Geico, Progressive, and State Farm are distinguished by their specific benefits, basic coverage, and reasonable premiums.

Ford F-150 Auto Insurance Monthly Rates by Provider & Coverage Level

The cheapest is State Farm, which charges $102 a month for minimal coverage and $155 a month for comprehensive auto insurance coverage. For customized trucks, Progressive provides up to $5,000 in custom components with a full coverage policy starting at $151 a month. Geico offers mechanical breakdown insurance, which costs $157 per month, to help drivers avoid expensive major repairs.

Comparing Ford F-150 Insurance Costs by Year

The cost of insurance for a Ford F-150 varies greatly depending on the model year. Newer trucks have more expensive parts and technology, so the rates are higher.

Ford F-150 Auto Insurance Monthly Rates by Model Year

The 2025 F-150 costs $150 a month to insure because it has many high-tech safety measures and is very expensive to fix. A 2020 model runs around $125 monthly since it still holds value but has slightly cheaper repairs.

The 2018 Ford F-150 insurance cost averages $115 per month, placing it between the 2019 model at $120 and the 2017 model at $110. Because it is less expensive to replace and repair, the 2016 F-150 has the lowest insurance rate of $105. Insurance companies charge extra for newer F-150s because repairs to collision avoidance systems and adaptive cruise control are expensive.

What year Ford F-150 is the best to buy for insurance? Generally, older models like the 2016 and 2017 F-150s have the lowest insurance rates because they cost less to repair and replace. As the truck ages and depreciates, insurance rates drop, making models like the 2019 ($120 per month) and 2017 ($110 per month) more budget-friendly.

To cut costs, F-150 drivers can bundle policies, increase deductibles, or use telematics programs like Geico’s DriveEasy or State Farm’s Drive Safe & Save for extra discounts.

Ford F-150 Auto Insurance Rates vs. Other Trucks

Ensuring the Ford F-150 for $145 a month puts it exactly in the middle of full-size truck insurance prices. Though somewhat more expensive than the RAM 1500 at $140, it is less than the F-150 Lightning at $165 and the high-performance Raptor at $180. Repair expenses, safety features, and performance enhancements all play a role in determining insurance premiums.

Ford F-150 Insurance Costs Compared to Other Popular Pickup Trucks

The Raptor has the highest insurance cost due to off-road capabilities and expensive parts, while the Ford F-150 Lightning’s insurance cost is higher at $165 per month because electric vehicles require specialized repairs and pricier replacement parts. The RAM 1500 has the lowest rate at $140, likely due to lower repair costs and a simpler build.

In the same price bracket as the regular F-150 are the Nissan Titan ($145) and Chevrolet Silverado ($150), while the Toyota Tundra ($155) is marginally more expensive. In order to reduce insurance rates, drivers can use telematics programs like Geico’s DriveEasy or Progressive’s Snapshot, bundle policies, or raise deductibles.

High-Risk Auto Insurance and Cost-Saving Strategies for Ford F-150 Owners

The cost to insure a Ford F-150 depends on coverages, deductible amount, and driver risk level. The average monthly premium for a safe driver in their 40s is $130 per month. However, drivers can lower this rate through discount programs and higher deductibles.

Ford F-150 Auto Insurance Monthly Rates by Policy Type

High-deductible plans reduce monthly Ford F-150 insurance costs to $100, making them ideal for Ford F-150 owners who rarely file claims. Conversely, low-deductible policies raise premiums to $140 but minimize out-of-pocket expenses in case of damage. Learn how auto insurance deductibles work.

High-risk drivers with accidents or violations see rates increase to $150 per month. Teen drivers face the steepest rate at $180 per month, making good student discounts and defensive driving courses essential for young drivers to save money.

Ford F-150 Insurance Rates by Age & Driving Record

Your age and driving history play a huge role in how much you’ll pay for Ford F-150 auto insurance. A 16-year-old with a clean record pays around $320 per month, but just one DUI skyrockets that to $420 — proof that high-risk drivers get hit with the biggest rate hikes.

Ford F-150 Auto Insurance Monthly Rates by Age & Driving Record

What age does auto insurance go down? By 25, rates drop to $200 monthly for those with a clean record, though an accident bumps it up to $240 per month.

As drivers hit their mid-30s and 40s, monthly costs settle around $170–$180 per month, but a DUI still pushes monthly rates past $240. Even at 55, a DUI keeps premiums high at $230 a month, showing that high-risk penalties don’t fade with age.

Some auto insurance companies for high-risk drivers offer options for those with past mistakes, but the best way to keep Ford F-150 insurance cost per month low is to maintain a clean record and use available discounts.

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Auto Insurance Discounts for Ford F-150 Owners

How do you get a reduced auto insurance rate? Ford F-150 drivers can strategically combine these auto insurance discounts to lower their insurance costs without using valuable coverage. Stack discounts for maximum savings.

Ford F-150 Auto Insurance Discounts From Top Providers

State Farm, Geico, and Progressive lead with strong cost-cutting programs. State Farm’s Drive Safe & Save rewards safe drivers who use telematics with a 30% discount, while Nationwide SmartRide offers up to 40% off for safe driving.

Progressive’s discounts help long-term policyholders save more, and Geico’s Military and Emergency Deployment discounts cater to service members. Liberty Mutual and Travelers provide discounts for new cars, hybrid vehicles, and violation-free records.

Maximizing Coverage for Your Ford F-150 Without Overpaying

When shopping for Ford F-150 auto coverage, finding the lowest rate isn’t the only factor to consider. The average insurance cost for a Ford F-150 depends on the level of coverage chosen. Liability insurance, which all insurers offer, covers damages and injuries you cause in an accident.

Collision coverage helps repair your truck if you collide with another vehicle or object, whereas comprehensive coverage protects against theft, vandalism, and weather-related damage.

List of Common Auto Insurance Coverages

Personal injury protection (PIP) and uninsured motorist coverage ensure medical bills are covered, even if the other driver doesn’t have insurance. These basic coverages are included with most policies, but there are extra options that F-150 drivers might need.

Where things differ is in rental reimbursement, roadside assistance, and gap insurance, which most insurers don’t automatically include. If you’re financing your truck, gap insurance is a must since it covers the difference between what you owe and what the truck is worth if it’s totaled.

For individuals who frequently tow or drive long distances, roadside assistance is a terrific add-on, and rental reimbursement is useful if you need a temporary vehicle while your F-150 is in the shop. Most insurers cover the basics, but F-150 owners should think about adding gap insurance if they have a loan, rental coverage for convenience, and roadside assistance for extra peace of mind.

Ford F-150 Safety Ratings & Crash Test Performance

Does it matter what car you drive for insurance? Yes because vehicles with higher safety ratings get lower premiums. The Ford F-150 consistently earns top safety ratings, making it one of the best-protected full-size trucks on the road. It earns top marks in nearly every crash test.

Ford F-150 Safety Ratings

The NHTSA awarded it a 5-star overall safety rating, with front and side crash tests receiving perfect scores. However, its rollover resistance rating is four stars, a common challenge for trucks due to their higher center of gravity.

The IIHS also rates the F-150 highly, marking “Good” in nearly all crashworthiness categories, including roof strength, head restraints, and moderate overlap tests. While both small overlap crash tests (driver and passenger side) received four stars, the truck still excels in protecting occupants.

These ratings highlight why insurance companies factor in safety when calculating Ford F-150 insurance premiums, as trucks with superior crash protection often qualify for lower rates and additional safety-related discounts.

Learn more: What is needed for adequate auto insurance coverage?

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Best Ways to Cut Ford F-150 Insurance Premiums

Lowering your Ford F-150 auto insurance rates does not have to be difficult. Shopping around for quotes can make a significant difference since some insurers charge $20 to $50 more per month for the same coverage.

Raising your deductible drops your monthly bill, but make sure you have savings to cover a claim. If you’re a cautious driver, sign up for telematics programs like Geico’s DriveEasy or State Farm’s Drive Safe & Save to save up to 30%. Bundling home and auto insurance, keeping a clean driving record, and using discounts for safe drivers, multiple vehicles, or military members all add up to big savings.

After the value of your older F-150 has decreased, it may be prudent to switch to liability-only auto insurance coverage. Parking in a garage, putting anti-theft devices, and reducing mileage are further ways to save money.

Why Ford F-150 Drivers Chose These Insurers

State Farm, Progressive, and Geico are the top picks for the best Ford F-150 auto insurance. State Farm has the lowest rates and covers rental reimbursement up to $500, so you’re not stuck without a ride after an accident.

Luxury Ford F-150 models may require OEM parts coverage or higher liability limits to maintain value. Progressive includes custom parts and equipment coverage up to $5,000, which is ideal for modified Ford F-150 trucks. Geico offers mechanical breakdown insurance, covering major repairs beyond the factory warranty.

To find cheap Ford F-150 auto insurance near you, compare multiple quotes online to secure the most competitive rates and coverage options. Use our free comparison tool to see what auto insurance quotes look like in your area.

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