Ford F-150 Lightning Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Ford F-150 Lightning are $1,762 every 12 months with full coverage. Comprehensive costs approximately $344, collision insurance costs $698, and liability insurance costs $520. Buying just liability costs as little as $592 a year, and insurance for high-risk drivers costs around $3,832. Teenage drivers pay the highest rates at up to $6,638 a year.
Average premium for full coverage: $1,762
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different F-150 Lightning trim levels.
Price Range from Low to High
For a driver in their 40's, Ford F-150 Lightning insurance prices range from the cheapest price of $592 for minimum levels of liability insurance to a much higher rate of $3,832 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a significant impact on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on 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 Rate Details
The chart below details average Ford F-150 Lightning insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,005
- Drivers who choose higher $1,000 deductibles will pay $236 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,762
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $2,224
- High risk drivers who are prone to accidents and violations could pay around $3,832
- The price to insure a teen driver with full coverage can cost $6,638 a year
Insurance prices for a Ford F-150 Lightning are also quite variable based on deductibles and policy limits, your driving record, and the model of your F-150 Lightning.
Using high physical damage deductibles could save up to $700 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $2,100 to $2,900 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in 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 $2,370 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,592 | -$170 | -9.6% |
| Alaska | $1,348 | -$414 | -23.5% |
| Arizona | $1,460 | -$302 | -17.1% |
| Arkansas | $1,762 | -$0 | 0.0% |
| California | $2,006 | $244 | 13.8% |
| Colorado | $1,682 | -$80 | -4.5% |
| Connecticut | $1,808 | $46 | 2.6% |
| Delaware | $1,994 | $232 | 13.2% |
| Florida | $2,200 | $438 | 24.9% |
| Georgia | $1,624 | -$138 | -7.8% |
| Hawaii | $1,264 | -$498 | -28.3% |
| Idaho | $1,194 | -$568 | -32.2% |
| Illinois | $1,312 | -$450 | -25.5% |
| Indiana | $1,328 | -$434 | -24.6% |
| Iowa | $1,192 | -$570 | -32.3% |
| Kansas | $1,672 | -$90 | -5.1% |
| Kentucky | $2,402 | $640 | 36.3% |
| Louisiana | $2,606 | $844 | 47.9% |
| Maine | $1,086 | -$676 | -38.4% |
| Maryland | $1,454 | -$308 | -17.5% |
| Massachusetts | $1,408 | -$354 | -20.1% |
| Michigan | $3,058 | $1,296 | 73.6% |
| Minnesota | $1,474 | -$288 | -16.3% |
| Mississippi | $2,110 | $348 | 19.8% |
| Missouri | $1,564 | -$198 | -11.2% |
| Montana | $1,894 | $132 | 7.5% |
| Nebraska | $1,388 | -$374 | -21.2% |
| Nevada | $2,112 | $350 | 19.9% |
| New Hampshire | $1,266 | -$496 | -28.1% |
| New Jersey | $1,970 | $208 | 11.8% |
| New Mexico | $1,560 | -$202 | -11.5% |
| New York | $1,852 | $90 | 5.1% |
| North Carolina | $1,014 | -$748 | -42.5% |
| North Dakota | $1,442 | -$320 | -18.2% |
| Ohio | $1,216 | -$546 | -31.0% |
| Oklahoma | $1,808 | $46 | 2.6% |
| Oregon | $1,614 | -$148 | -8.4% |
| Pennsylvania | $1,680 | -$82 | -4.7% |
| Rhode Island | $2,350 | $588 | 33.4% |
| South Carolina | $1,596 | -$166 | -9.4% |
| South Dakota | $1,484 | -$278 | -15.8% |
| Tennessee | $1,542 | -$220 | -12.5% |
| Texas | $2,122 | $360 | 20.4% |
| Utah | $1,304 | -$458 | -26.0% |
| Vermont | $1,204 | -$558 | -31.7% |
| Virginia | $1,054 | -$708 | -40.2% |
| Washington | $1,360 | -$402 | -22.8% |
| West Virginia | $1,614 | -$148 | -8.4% |
| Wisconsin | $1,218 | -$544 | -30.9% |
| Wyoming | $1,570 | -$192 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-150 Lightning | $372 | $720 | $488 | $1,780 |
| 2023 Ford F-150 Lightning | $356 | $714 | $498 | $1,768 |
| 2022 Ford F-150 Lightning | $344 | $698 | $520 | $1,762 |
| 2021 Ford F-150 Lightning | $332 | $668 | $536 | $1,736 |
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 Shop for the Best Cheap Ford F-150 Lightning Insurance
Getting lower rates on Ford F-150 Lightning insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a quick review of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $210 per year just by shopping early and online
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $2,070 more per year to insure a Ford F-150 Lightning
- Increasing physical damage deductibles could save as much as $700 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $553 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,638 |
| 20 | $4,102 |
| 30 | $1,834 |
| 40 | $1,762 |
| 50 | $1,608 |
| 60 | $1,578 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,224 |
| $250 | $2,008 |
| $500 | $1,762 |
| $1,000 | $1,526 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,762 |
| 50/100 | $1,866 |
| 100/300 | $1,996 |
| 250/500 | $2,334 |
| 100 CSL | $1,918 |
| 300 CSL | $2,204 |
| 500 CSL | $2,412 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,480 |
| 20 | $6,532 |
| 30 | $3,914 |
| 40 | $3,832 |
| 50 | $3,662 |
| 60 | $3,626 |
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 | $94 |
| Homeowner | $26 |
| 5-yr Accident Free | $132 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $82 |
| Advance Quote | $89 |
| Online Quote | $125 |
| Total Discounts | $757 |
Discounts are estimated and may not be available from every company or in every state.
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