See auto rates

Auto Insurance · Brand Guide

Updated: May 1, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
Compare rates in your area

● Auto Insurance

Live auto rates from the carriers we've reviewed. Carriers pay us only when you switch.

Why trust QuoteYeti

QuoteYeti's editorial team has spent 30+ combined years researching insurance markets. Every piece is written by named writers, reviewed by our editor-in-chief against the QuoteYeti methodology, and rate-heavy content is verified by our data team. No paid placements. Read our editorial standards →

Ford F-150 Insurance Cost (2024)

F-150 insurance runs slightly above the national average, balancing strong safety scores against higher repair costs and theft rates than passenger cars.

What Ford F-150 insurance costs

The average monthly premium for a 2024 Ford F-150 runs around $158 for a typical driver profile (40-year-old, clean record, good credit, full coverage). Real-world rates range from $125 to $205 depending on your state, driving record, credit, and chosen coverage level.

As America’s best-selling vehicle, the F-150 has deep insurer data — and that data shows higher claim frequency than passenger cars. Theft and parts costs also push the average rate up.

What drives the rate

Insurance carriers price the Ford F-150 based on four primary factors specific to the vehicle:

  1. Repair cost — How expensive is it to fix this vehicle when something goes wrong? Parts availability, labor complexity, and OEM-only requirements all matter.
  2. Theft rate — How often is this vehicle stolen? Carriers pull data from NHTSA’s Vehicle Theft Index.
  3. Safety scores — How well does the vehicle protect occupants in a crash? IIHS and NHTSA ratings directly influence premium.
  4. Claim history — What does the actual data show about how often and how expensively claims happen on this vehicle?

How to lower your rate

Beyond shopping carriers (which can save 20-40% on its own), the biggest Ford F-150-specific savings come from:

  • Multi-policy bundling — Combining auto and home/renters often saves 10-25%.
  • Telematics programs — If you’re a safe driver, programs like Progressive Snapshot or State Farm Drive Safe & Save can save 15-30%.
  • Higher deductible — Raising your collision/comprehensive deductible from $500 to $1,000 typically saves 10-15% on premium (but exposes you to more out-of-pocket cost at claim time).
  • Anti-theft devices — Factory or aftermarket anti-theft systems can earn 5-15% discounts, especially on theft-prone vehicles.

Best carriers for the Ford F-150

The carriers that consistently quote competitively on the Ford F-150 include the largest national insurers (GEICO, Progressive, State Farm) plus regional carriers depending on your state. Get quotes from at least 3-5 carriers to find the best rate for your specific profile.