For many years, the Ford F-150 has reigned supreme as America's top-selling truck. Its adaptability appeals to a wide range of drivers, offering ample bed space and towing capability for various loads, from canoes and campers to even a large group of dalmatian puppies (though transporting puppies is less typical). Furthermore, the F-150's insurance costs are surprisingly reasonable for a truck, with average national premiums comparable to those of a standard car.
Savvy Ford F-150 owners can lower their car insurance costs by selecting the appropriate insurer. GEICO and State Farm are among our preferred choices, providing excellent Ford F-150 coverage with affordable premiums.
How we evaluate products
We evaluated the ten most affordable car insurance providers for Ford F-150s, using average premium data from Insurify spanning model years 2014 to 2023. Our comparison considered factors like price, independent ratings, customer feedback, discount opportunities, coverage choices, usage-based programs, accessibility, digital resources, and other relevant aspects. Ultimately, we chose six companies that excel in providing excellent coverage for Ford F-150 trucks at budget-friendly prices, and we organized them according to specific driver requirements.
Best Ford F-150 insurance
| Company name | Best/Excellent for | Typical monthly expense for a 2023 version. | Typical monthly expense for a 2018 version. |
| GEICO | Discounts | $104 | $77 |
| USAA | Military | $90 | $67 |
| State Farm | Customer satisfaction | $100 | $74 |
| Allstate | New Ford F-150 owners | $123 | $91 |
| American Family | Roadtrippers | $156 | $115 |
| Progressive | Contractors | $149 | $110 |
GEICO
- AM Best: A++ (superior)
- J.D. Power reports a satisfaction score of 692 out of 1,000, compared to the study's average of 697.
- BBB: Holds an A+ rating but lacks accreditation.
- NAIC complaints: 0.75 (lower than anticipated given the company's scale)
According to Insurify's research, GEICO is one of the most affordable car insurance providers for both pre-owned and new Ford F-150s. They also provide a wider array of discounts compared to other insurers, such as discounts for new vehicles and specific equipment, which Ford F-150 owners could be eligible for. GEICO's DriveEasy program monitors your driving habits and could reward safe drivers with a discount on their policy.
- Highest possible rating for financial stability from AM Best.
- Multiple vehicle equipment discounts
- Provides optional coverage for mechanical failures not caused by accidents.
- * The Better Business Bureau has received a large number of complaints. * Numerous complaints have been filed with the BBB. * The BBB is dealing with a significant number of grievances. * There's a high level of dissatisfaction reflected in BBB complaints. * The BBB has been inundated with complaints.
- Below-average J.D. Power rating
- Doesn't offer GAP insurance
Learn more in our GEICO review.
USAA
- AM Best: A++ (superior)
- According to J.D. Power, customer satisfaction scored 726 out of 1,000, surpassing the study's average of 697.
- BBB: Holds an A+ rating but lacks accreditation.
- NAIC complaints: 0.97 (roughly what you'd anticipate given the company's scale)
To be eligible for USAA membership, you must be a member of the military, a veteran, certain federal employees, or a close relative of one of these individuals. You need to be a member to buy insurance from USAA. Our research indicates that USAA generally has the lowest average insurance costs for Ford F-150s compared to other insurers we examined.
Military families are eligible for exclusive savings, such as discounts as high as 60% on vehicle storage. Additionally, USAA provides a telematics option known as SafePilot, rewarding careful drivers with premium reductions of up to 30% for participating. J.D. Power gives USAA's program, which is based on driving habits, excellent marks.
- Customer satisfaction scores are high in all regions, according to J.D. Power.
- The lowest average insurance costs for Ford F-150 pickups.
- Provides support for new Ford buyers by helping them replace their car if needed.
- Exclusively for those with USAA membership.
- Poor Trustpilot rating
Learn more in our USAA review.
State Farm
- AM Best: A++ (superior)
- J.D. Power reports a customer satisfaction score of 710 out of 1,000, exceeding the study's average of 697.
- BBB: Lacks accreditation and has a failing grade.
- The company's NAIC complaint index is 0.84, which is lower than anticipated given its size.
State Farm provides the second most affordable rates, on average, for those who drive Ford F-150s. Furthermore, the insurer is notable for its high customer satisfaction, securing the sixth position in claims satisfaction within aJ.D. Power study...and achieving higher-than-typical customer satisfaction scores throughout a...J.D. power regional study. Every State Farm customer is paired with their own personal insurance representative.
I selected State Farm for my home and car insurance because they offered attractive rates and a significant discount for combining policies. I've remained a loyal customer for many years now, largely because of their convenient mobile app for filing claims, excellent customer service, and prompt roadside assistance. State Farm also provides several optional coverages that could be particularly beneficial for Ford F-150 owners, such as rideshare and travel expense coverage.
- Excellent scores from J.D. Power and AM Best.
- Affordable insurance rates for Ford F-150 owners.
- Generous multi-policy discounts
- Poor BBB rating
- Does not include Guaranteed Asset Protection (GAP) insurance or coverage for replacing a new vehicle.
Learn more in our State Farm review.
Allstate
- AM Best: A+ (superior)
- According to J.D. Power, satisfaction levels reached 691 out of 1,000, compared to the study's average of 697.
- BBB: Holds an A- rating but lacks accreditation.
- NAIC complaint index: 1.00 (the anticipated number of complaints given the company's size)
Allstate provides insurance options and savings opportunities that could be attractive to those purchasing a new Ford F-150 pickup. They have a few unique discounts, including those for new car purchases, anti-lock brakes, and anti-theft systems. For Ford vehicles that are two years old or newer, Allstate offers new car replacement coverage; this optional feature ensures that if your Ford F-150 is totaled, Allstate will assist in replacing it instead of just paying out its depreciated value. Their Drivewise program, which tracks driving habits, receives positive reviews from J.D. Power. Allstate was also included in our list of top insurers.best car insurance companiesDesigned for teenagers and those who are newly licensed.
- New vehicle discount
- Provides compensation to buy a new car if yours is totaled.
- Offers rideshare insurance
- Customer satisfaction scores from J.D. Power were lower than average in the majority of areas.
- Provides fewer chances for discounts compared to other companies.
- Poor Trustpilot rating
Learn more in our Allstate review.
American Family
- AM Best: A (excellent)
- J.D. Power reports a satisfaction score of 692 out of 1,000, compared to the study's average of 697.
- BBB: Holds an A+ rating but lacks accreditation.
- NAIC complaints: 0.26 (significantly below what's anticipated given the company's scale)
The Ford F-150 offers ample room and off-road prowess, perfect for loading up camping equipment and venturing into the wilderness. If your family intends to use your Ford truck for road trips, this is an important factor to weigh when selecting an insurance provider.
American Family provides round-the-clock emergency roadside assistance that is thorough, even covering up to one hour of on-site mechanical work. They also have a "Travel Peace of Mind" option that adds coverage for lodging and a rental vehicle if you're involved in an accident while traveling. Clients have left glowing reviews about the business onTrustpilotHowever, American Family's car insurance isn't available everywhere.
- 2. Usage-based programs designed for cautious drivers and those who don't drive much.
- Excellent insurance choices for those hitting the open road.
- Extremely favorable complaint index according to the NAIC.
- Offered in just 19 states.
- Ford F-150s have steeper insurance costs compared to certain rival trucks.
Learn more in our American Family review.
Progressive
- AM Best: A+ (superior)
- According to J.D. Power, satisfaction levels reached 672 out of 1,000, while the average in the study was 697.
- BBB: Holds an A+ rating but lacks accreditation.
- NAIC complaint index: 0.98 for personal auto insurance (within the anticipated range for a company of its size).
Because the Ford F-150 is capable of transporting tools, equipment, or goods, it's a common choice for businesses such as landscaping and construction. While a personal car insurance policy might cover the occasional work-related journey, a commercial policy is necessary if you frequently use your Ford F-150 for business purposes. Progressive, the leading commercial auto insurer in the United States, provides insurance plans specifically designed for contractors.
If you drive your Ford F-150 for a ridesharing service, Progressive provides rideshare insurance as an extension to your existing personal policy. They have numerous optional coverages available, such as coverage for custom parts and equipment (CPE). However, Progressive's customer service ratings are a concern.
- Provides extra coverage options and business vehicle insurance.
- Provides various forms of accident protection.
- Policies that offer complete protection often cover injuries to pets.
- Customer satisfaction ratings from J.D. Power are low across the board.
- J.D. Power gave them a low score regarding how well they handle claims.
- Poor customer reviews
Learn more in our Progressive review.
Finding affordable auto insurance for a Ford F-150.
Ford F-150 drivers would do well to keep these suggestions in mind:lower your auto insurance costs:
- Compare car insurance quotes:1. The cost of insuring a Ford F-150 can vary significantly between insurance providers. 2. Since insurers use different formulas to calculate premiums based on factors such as age and driving history, it's a good idea to shop around and get quotes from several companies to find the lowest price.
- Explore price reductions on car accessories.Car insurance providers sometimes provide reduced rates for vehicles equipped with safety and security systems. Owners of Ford F-150s with advanced safety technologies, such as the Ford Co-Pilot360, might be eligible for a price break. Certain insurance companies, including GEICO and Allstate, may also offer discounts for standard features like anti-lock brakes.
- Consider usage-based insurance:A number of car insurance companies provide policies that adjust rates based on how you drive. While the specifics differ, these plans generally monitor your driving habits through a smartphone app or a device installed in your car, and reward safe drivers with lower premiums.
- Raise your deductible:Opting for a high deductible is a simple method to decrease your comprehensive insurance costs. However, it's crucial to ensure you possess sufficient savings to pay the deductible should you cause an accident.
- Eliminate unnecessary insurance options for older Ford vehicles.For older, pre-owned Ford F-150s, full coverage might not be a worthwhile investment, particularly if the truck isn't your primary vehicle or if you're considering upgrading to a newer model soon. Liability insurance offers a more budget-friendly alternative. A good rule of thumb is that if your vehicle's value is less than ten times the cost of comprehensive and collision premiums, it may be wise to forgo those coverages.
- Seek other discounts: Check with your insurance representative to see if you're eligible for discounts such as those for completing a safe driving class, being a student, combining multiple insurance plans, insuring more than one car, or any other potential savings.
FAQs
Will insuring a Ford F-150 set me back a lot of money?
According to Insurify's data, insuring a Ford F-150 doesn't cost more than insuring other vehicles; its average insurance rate is about the same as the national average.
What factors contribute to the elevated cost of insuring a truck?
Due to their size, trucks tend to cause more damage in accidents, making truck insurance potentially pricey. Additionally, some truckers require commercial auto insurance, which carries a higher cost than personal coverage. However, insuring a pickup truck isn't necessarily exorbitant. For example, the average insurance premiums for a Ford F-150 are comparable to those of a standard car.
What are some ways to get cheaper truck insurance?
You can lower your insurance premiumReduce your truck insurance costs by opting for a larger deductible, utilizing available discounts, and shopping around for quotes from various insurers.
Bottom line
Ford F-150 owners sometimes require specific insurance solutions, such as increased coverage for long drives, business-related travel, specialized protection for aftermarket modifications, or add-ons that address the fast decline in value of new cars. However, all Ford F-150 drivers prioritize reasonable rates and excellent support. The insurers highlighted here are all strong contenders for Ford F-150 owners; however, it's important to evaluate tailoredcar insurance quotes before buying a policy.
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