Ford F-150 Lightning Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Ford F-150 Lightning are $1,762 a year for full coverage insurance. Comprehensive insurance costs approximately $344, collision insurance costs $698, and liability costs $520. A liability-only policy costs as little as $592 a year, and high-risk insurance costs $3,832 or more. Teens receive the highest rates at up to $6,638 a year.
Average premium for full coverage: $1,762
Rate estimates by individual coverage type:
Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all F-150 Lightning models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $592 for just the minimum liability insurance to the much higher price of $3,832 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.
These examples illustrate why everyone should compare rates using their specific location, instead of using averaged prices.
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 Analysis
The chart below illustrates average Ford F-150 Lightning insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,005
- Drivers who choose higher $1,000 deductibles will pay $236 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,762
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $462 every year
- Higher-risk drivers with serious driving violations could pay around $3,832
- The cost that insures a teen driver for full coverage can cost $6,638 a year
Insurance rates for a Ford F-150 Lightning can also vary considerably based on the model of your F-150 Lightning, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $2,100 to $2,900 extra per year, depending on your age. Ford F-150 Lightning insurance for high-risk drivers can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,600 a year. View Rates by Age
Where you live makes a big difference in Ford F-150 Lightning insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,370 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $700 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
| 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 Find the Best Cheap Ford F-150 Lightning Insurance
Saving money on car insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates every other policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a quick review of the ideas that were touched on in the above illustrations.
- Drivers age 20 and younger are expensive to insure, costing up to $553 per month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation could be charged and average of $2,070 more per year to buy Ford F-150 Lightning insurance
- Increasing deductibles can save approximately $700 each year
- It is possible to save around $210 per year just by quoting online well ahead of the renewal date
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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