Ford F-150 Lightning Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Ford F-150 Lightning are $1,768 annually with full coverage. Comprehensive costs approximately $356 each year, collision costs $714, and liability coverage costs $498. Liability-only coverage costs as little as $574 a year, with high-risk coverage costing around $3,846. Teenage drivers cost the most to insure at $6,622 a year or more.
Average premium for full coverage: $1,768
Policy rates by type of insurance:
Prices include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and F-150 Lightning models.
Price Range Variability
For the average driver, Ford F-150 Lightning insurance rates go from as cheap as $574 for liability-only coverage to a high rate of $3,846 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.
The graphic below illustrates how location impacts auto insurance prices.
The examples above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than using average rates.
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 Charts and Tables
The chart below details estimated Ford F-150 Lightning insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,010
- Drivers who choose higher $1,000 deductibles will pay $240 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,768
- Using low deductibles for comprehensive and collision insurance will cost $2,244
- High-risk insureds who are prone to accidents and violations could pay around $3,846 or more
- Policy cost with full coverage for a teenage driver can cost $6,622 a year
Insurance rates for a Ford F-150 Lightning also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $2,100 to $2,900 additional every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $720 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $448 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Ford F-150 Lightning insurance rates. A 40-year-old driver could pay as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,390 on average in New York, Michigan, 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 best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied between companies.
| 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 Buy the Right Ford F-150 Lightning Insurance
Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a quick rundown of the data touched on above.
- Consumers who purchase higher liability limits will pay an extra $550 every year to go from a 30/60 limit to higher 250/500 limits
- You may be able to save around $210 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $725 each year
- Teens are the costliest to insure, as much as $552 each month if they have full coverage
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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