Ford F-150 Lightning Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Ford F-150 Lightning are $1,768 a year for full coverage. Comprehensive costs around $356, collision costs $714, and liability insurance costs $498. Liability-only coverage costs as little as $574 a year, with high-risk coverage costing around $3,846. 16-year-old drivers cost the most to insure at $6,622 a year or more.
Average premium for full coverage: $1,768
Policy rates for type of insurance:
Rates are based on $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different F-150 Lightning trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford F-150 Lightning insurance rates go from the low end price of $574 for just liability insurance to a much higher rate of $3,846 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on rate averages.
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.
More Rate Details
The chart below shows estimated Ford F-150 Lightning insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,010
- Drivers who choose higher $1,000 deductibles will pay about $240 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,768
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,244
- High risk drivers with multiple tickets or accidents could pay at least $3,846 or more
- Policy cost that insures a teen driver with full coverage can be $6,622 a year
Insurance rates for a Ford F-150 Lightning also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $2,100 to $2,900 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $6,600 a year. View Rates by Age
Your home state makes a big difference in Ford F-150 Lightning insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Idaho, Maine, and Iowa, or at least $2,520 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles could save up to $720 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $448 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every company utilizes a different rate formula, and rates will be varied.
| 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 Find the Best Cheap Ford F-150 Lightning Insurance
Finding cheaper rates on Ford F-150 Lightning insurance not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop every year by getting quotes from direct carriers, and also from several local insurance agents.
The following is a quick review of the coverage data raised in the charts and tables above.
- Drivers can save up to $210 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $725 each year
- Teens are charged the highest rates, costing up to $552 each month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation pay on average $2,080 more every year for F-150 Lightning insurance
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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