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 insurance costs an estimated $356 each year, collision costs $714, and liability insurance is $498. Liability-only insurance costs around $574 a year, with high-risk driver insurance costing $3,846 or more. Teen drivers cost the most to insure at $6,622 a year or more.
Average premium for full coverage: $1,768
Policy rates broken down by type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and F-150 Lightning models.
Price Range Variability
For a driver in their 40's, Ford F-150 Lightning insurance rates go from the low end price of $574 for a discount liability-only rate to a high rate of $3,846 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas.
The graphic below illustrates how location helps determine insurance prices.
The examples above show why all drivers should compare rates quotes for a targeted area, rather than relying on price 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.
Rates by State, City, and Model
The chart below shows estimated Ford F-150 Lightning insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,010
- Raising to $1,000 deductibles will save approximately $240 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,768
- Choosing low deductibles will cost an additional $476 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,846 or more
- Policy cost that insures a teen driver can cost as much as $6,622
Auto insurance rates for a Ford F-150 Lightning also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $2,100 to $2,900 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $6,600 a year. View Rates by Age
Your home state also has a big influence on Ford F-150 Lightning insurance rates. A middle-age driver might find rates as low as $1,170 a year in states like Iowa, Maine, and Idaho, or as much as $2,520 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can reduce rates by up to $720 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $448 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted 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 Low Cost Ford F-150 Lightning Insurance
Finding cheaper rates on Ford F-150 Lightning insurance consists of being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around at least every other year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The items below are a review of the car insurance concepts covered in the charts and tables above.
- High-risk drivers who have several accidents or serious violations may pay on average $2,080 more annually to insure their F-150 Lightning
- Drivers can save approximately $210 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $725 each year
- Drivers who want more liability coverage will pay about $550 each year to raise from a 30/60 limit to the 250/500 level
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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