Best Ford F-150 Car Insurance in 2024 (Compare the Top 10 Companies)

Geico, USAA, and State Farm are top providers for best Ford F-150 car insurance, with premiums beginning at as low as $68 per month.

Our Top 10 Company Picks: Best Ford F-150 Car Insurance

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#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico offers competitive pricing, with rates starting as low as $68 per month, making it one of the best Ford F-150 car insurance options for budget-conscious drivers. Their 22% safe-driving discount, which is one of the highest among competitors, adds significant savings potential.
• Discount Variety: Geico offers numerous discounts, including multi-policy, safe driver, and anti-theft device discounts, making it a top contender for the best Ford F-150 car insurance with maximum savings. The 22% safe-driving discount further enhances their attractiveness for safe drivers.
• Strong Customer Service: Geico is known for its responsive and helpful customer service, ensuring a smooth experience during claims and policy inquiries. As one of the best Ford F-150 car insurance providers, their A++ rating from A.M. Best adds financial stability and peace of mind.

Cons

• Limited Local Agents: Geico primarily operates online, which may be a drawback for F-150 drivers who prefer in-person consultations when choosing the best Ford F-150 car insurance. This lack of physical presence can be inconvenient for those needing face-to-face interactions.
• Rate Increases: Some customers report significant rate increases after claims or even routine policy renewals, which can be a concern for those seeking long-term affordability with the best Ford F-150 car insurance provider. Read our “Geico Review” to learn what else is offered.

#2 – USAA: Best for Competitive Rates

Pros

• Exclusive Military Focus: USAA is tailored to military members and their families, offering the best Ford F-150 car insurance with an understanding of their unique needs. With a 30% safe-driving discount, the highest among the top insurers, USAA offers substantial savings to its members.
• Exceptional Customer Satisfaction: USAA consistently receives high marks for customer satisfaction, making it one of the best Ford F-150 car insurance options for those who prioritize excellent service. Their A++ A.M. Best rating further underscores their reliability.
• Comprehensive Coverage Options: USAA offers a wide range of coverage options, including comprehensive and collision coverage tailored to F-150 drivers. This variety ensures that members can customize their best Ford F-150 car insurance policy to meet their specific needs.

Cons

• Restricted Membership: USAA is only available to military members and their families, limiting access to what could be the best Ford F-150 car insurance for other drivers. This exclusivity may exclude some from enjoying their competitive rates and benefits.
• Online Focus: While USAA provides excellent service, much of it is managed online, which may be less convenient for those who prefer face-to-face interactions when dealing with the best Ford F-150 car insurance provider. Find out more in our “USAA Auto Insurance Review.”

#3 – State Farm: Best for Roadside Assistance

Pros

• Broad Coverage Options: State Farm offers a wide range of coverage options, making it one of the best Ford F-150 car insurance providers for drivers seeking flexibility. Their customizable policies allow for tailored protection, including roadside assistance and rental car reimbursement.
• Strong Local Presence: With numerous local agents, State Farm provides in-person support, which is ideal for those seeking the best Ford F-150 car insurance with a personal touch. Their local presence ensures that drivers have access to dedicated support when needed.
• Roadside Assistance: State Farm’s roadside assistance program is highly regarded, offering peace of mind for F-150 drivers who want the best Ford F-150 car insurance that includes reliable emergency services. This service is particularly valuable for long road trips or unexpected breakdowns. Read more in our review of “State Farm Auto Insurance.”

Cons

• Lower A.M. Best Rating: With a B rating from A.M. Best, State Farm’s financial stability may not be as strong as some of the other best Ford F-150 car insurance providers. This rating could be a concern for drivers who prioritize financial strength in their insurer.
• Rate Variability: Some customers experience significant variations in rates, especially after making a claim, which may impact the long-term affordability of what they initially considered the best Ford F-150 car insurance.

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#4 – Progressive: Best for Customizable Coverage

Pros

• Customizable Coverage: Progressive is known for its flexible coverage options, making it one of the best Ford F-150 car insurance providers for drivers who want tailored protection. Their Name Your Price tool allows F-150 drivers to choose coverage that fits their budget and needs.
• Snapshot Program: Progressive’s Snapshot program rewards safe driving habits with potential discounts, making it an attractive option for those seeking the best Ford F-150 car insurance with usage-based pricing. This program can lead to significant savings for careful drivers.
• Competitive Pricing: Progressive offers competitive rates, with the ability to further reduce premiums through discounts like the 12% safe-driving discount. This makes Progressive a strong contender for the best Ford F-150 car insurance, particularly for budget-conscious drivers. Learn more in our “Progressive Review.”

Cons

• Online-Focused Service: While Progressive offers robust online tools, this focus may not appeal to those who prefer in-person service when selecting the best Ford F-150 car insurance. The lack of local agents could be a drawback for drivers who value face-to-face interactions.
• Potential Rate Increases: Some customers have reported rate increases after the initial policy term, which might affect the long-term appeal of what is initially perceived as the best Ford F-150 car insurance. These increases can be a concern for those looking for consistent pricing.

#5 – Allstate: Best for Extensive Coverage

Pros

• Strong Financial Stability: With an A+ rating from A.M. Best, Allstate provides peace of mind as one of the best Ford F-150 car insurance options. This rating reflects their ability to meet financial commitments and handle claims efficiently.
• Accident Forgiveness Program: Allstate’s accident forgiveness program ensures that your premium won’t increase after your first accident, making it a valuable feature for those seeking the best Ford F-150 car insurance with long-term savings in mind. This program is especially beneficial for drivers looking to protect themselves from unexpected rate hikes.
• Discount Opportunities: Allstate offers a variety of discounts, including a 10% safe-driving discount, which makes it a competitive choice for the best Ford F-150 car insurance. Additionally, their Drivewise program rewards safe driving habits with potential premium reductions.

Cons

• Higher Premiums: Some drivers may find Allstate’s premiums to be higher compared to other best Ford F-150 car insurance providers. This can be a drawback for those who prioritize cost-effectiveness in their insurance decisions. Discover our “Allstate Review” for a full list.
• Customer Service Variability: While Allstate generally provides good service, there can be variability in customer experiences depending on the location, which might impact your experience with the best Ford F-150 car insurance. Inconsistent service quality can be a concern for those who rely on top-tier support.

#6 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Vanishing Deductible: Liberty Mutual offers a vanishing deductible program, reducing your deductible by $100 annually for safe driving, which is a significant perk for those looking for the best Ford F-150 car insurance. This program rewards safe driving habits with tangible savings over time.
• Comprehensive Discounts: Liberty Mutual offers a range of discounts, including a 15% safe-driving discount, which positions it as a strong contender for the best Ford F-150 car insurance. Their discounts, combined with accident forgiveness, offer substantial savings opportunities.
• Strong Financial Rating: With an A rating from A.M. Best, Liberty Mutual is a financially stable choice for the best Ford F-150 car insurance, ensuring that they can reliably handle claims and financial obligations. This stability provides peace of mind for policyholders. Learn more through our Liberty Mutual car insurance review.

Cons

• Higher Base Premiums: Liberty Mutual’s base premiums can be on the higher side, which may make it less attractive for those looking for the most affordable option among the best Ford F-150 car insurance providers. The initial cost might be a deterrent for budget-conscious drivers.
• Online Tools Could Improve: While Liberty Mutual provides solid coverage options, their online tools and mobile app are not as advanced as some competitors, which may be a disadvantage for tech-savvy F-150 drivers seeking the best Ford F-150 car insurance. This limitation can affect the ease of managing policies and claims.

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#7 – Farmers: Best for Customer Service

Pros

• Exceptional Customer Service: Farmers is known for its top-tier customer service, making it one of the best Ford F-150 car insurance providers for drivers who value personalized support. Their agents are praised for being helpful, responsive, and knowledgeable, ensuring a positive experience.
• Customizable Coverage: Farmers offers a wide range of customizable coverage options, allowing F-150 drivers to tailor their policies to their specific needs, making it a strong candidate for the best Ford F-150 car insurance. This flexibility ensures that drivers get the exact coverage they need, which is covered in our “Farmers Review.”
• Discount Programs: Farmers offers several discounts, including a 10% safe-driving discount, which makes it a competitive option for the best Ford F-150 car insurance. Their multi-policy discount further enhances affordability for those who bundle their insurance products.

Cons

• Higher Rates: Farmers’ rates tend to be higher compared to other best Ford F-150 car insurance providers, which may be a drawback for drivers who are focused on finding the most cost-effective option. The premium prices might be a concern for budget-conscious individuals.
• Limited Online Tools: While Farmers provides excellent customer service, their online tools and mobile app are not as advanced as some competitors, which could be a disadvantage for F-150 drivers seeking the best Ford F-150 car insurance with top-notch digital support. This may affect the ease of managing policies and claims online.

#8 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible Program: Nationwide’s vanishing deductible program is a standout feature, making it one of the best Ford F-150 car insurance options for drivers who prioritize long-term savings. This program reduces your deductible by $100 annually for every year of safe driving, which you can read more about in our review of “Nationwide Auto Insurance.”
• Strong Financial Stability: With an A+ rating from A.M. Best, Nationwide ensures reliability, making it a trusted choice for the best Ford F-150 car insurance. This financial strength means that policyholders can trust Nationwide to handle claims effectively and consistently.
• Discount Availability: Nationwide provides various discounts, including a 10% safe-driving discount, making it a competitive choice for the best Ford F-150 car insurance. Their SmartRide program further enhances savings for safe drivers by offering personalized rates based on driving habits.

Cons

• Premiums Can Be High: Some drivers may find Nationwide’s premiums to be higher than other best Ford F-150 car insurance providers, which could be a concern for those prioritizing affordability. The higher cost may deter budget-conscious drivers.
• Limited Local Agent Access: While Nationwide offers strong online tools, access to local agents may be limited in certain areas, which could impact the convenience of choosing the best Ford F-150 car insurance. Limited face-to-face support might be a disadvantage for those who prefer personal interactions.

#9 – Travelers: Best for IntelliDrive Program

Pros

• IntelliDrive Program: Travelers offers the IntelliDrive program, which rewards safe driving habits with potential premium reductions, making it one of the best Ford F-150 car insurance options for those who prefer usage-based pricing. This program can lead to significant savings for cautious drivers.
• A++ Financial Rating: Travelers boasts an A++ rating from A.M. Best, making it a financially robust choice for the best Ford F-150 car insurance. This top-tier rating reflects their ability to handle claims efficiently and maintain financial stability. For a complete list, read our “Travelers Review.”
• Discount Availability: Travelers offers an 8% safe-driving discount, making it a competitive choice for the best Ford F-150 car insurance. Their multi-policy and multi-car discounts further enhance the affordability of their policies, offering savings to those who bundle their insurance products.

Cons

• Higher Base Premiums: Travelers’ base premiums may be higher compared to other best Ford F-150 car insurance providers, which could be a concern for those focused on cost-effectiveness. The initial cost might be a deterrent for drivers seeking the lowest rates.
• Less Accessible Customer Service: Some customers have reported that Travelers’ customer service can be less accessible or slower in response times compared to other best Ford F-150 car insurance providers. This may impact the overall customer experience, particularly during claims processing.

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#10 – Amica: Best for Financial Stability

Pros

• Financial Stability: Amica is known for its financial strength, with an A+ rating from A.M. Best, making it one of the best Ford F-150 car insurance providers for those who prioritize reliability. This rating reflects their solid financial standing and ability to handle claims efficiently. Compare details through our Amica vs. Nationwide car insurance comparison review.
• Comprehensive Discounts: Amica offers a variety of discounts, including a 12% safe-driving discount, positioning it as a strong choice for the best Ford F-150 car insurance. Their loyalty, multi-policy, and claim-free discounts offer additional savings opportunities for policyholders.
• Exceptional Claims Service: Amica is highly regarded for its claims service, offering prompt and fair claims handling, making it one of the best Ford F-150 car insurance options for those who value quick and reliable claims processing. Their strong reputation for customer service enhances the overall experience.

Cons

• Higher Premiums: Amica’s premiums are generally higher than those of other best Ford F-150 car insurance providers, which could be a drawback for drivers looking for more budget-friendly options. The higher cost may be a concern for those focused on affordability.
• Limited Online Features: While Amica excels in customer service, their online tools and mobile app are not as advanced as some competitors, which could be a disadvantage for tech-savvy F-150 drivers seeking the best Ford F-150 car insurance. This limitation may affect the ease of managing policies and claims online.

Average Ford F-150 Car Insurance Rates

Insuring a Ford F-150 can be relatively straightforward, given its status as one of the most popular and commonly driven vehicles. On average, the cost to insure a Ford F-150 is around $110 per month.

However, several variables can influence this rate. Insurance providers don’t solely consider the vehicle model; they also take into account individual factors such as your age, gender, credit history, driving record, and even your ZIP code.

Ford F-150 Car Insurance Monthly Rates by Coverage Level & Provider?strong>

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As a result, insurance premiums for a Ford F-150 can range from $110 to $290. Additionally, the age of your Ford F-150 plays a significant role in determining your insurance costs. For instance, the insurance rates for a 2007 Ford F-150 will differ from those for a 2018 or 2019 model.

Furthermore, specific versions, such as the Ford F-150 Raptor, may have different insurance rates compared to standard or older F-150 models.

If you’re looking to save on insurance costs, consider finding the best companies for bundling home and car insurance. Many insurers offer discounts when you combine multiple policies, which can significantly reduce your overall insurance expenses.

Bundling your home and car insurance with the same provider not only simplifies your insurance management but also often provides substantial savings.

Factors Affecting the Cost of Ford F-150 Car Insurance

The cost of car insurance for a Ford F-150 can be influenced by several factors, despite the truck’s generally favorable insurance premiums. Ford F-150s are renowned for their durability and capability, with high ratings across various categories, including safety.

Their extended and crew cab models are designed to accommodate larger families and heavier loads, which contributes to their reputation as reliable and hard-working vehicles.

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Both older and newer models, such as the 2013 and 2017 F-150s, tend to have better-than-average insurance rates, thanks in part to their strong safety performance and lower incidence of personal injury and medical payment claims compared to other trucks.

However, one notable drawback is that the F-150 ranks fourth on the list of most stolen vehicles, partly due to some models having easily bypassed locks, which can increase the risk of theft.

Since comprehensive coverage is the only type that protects against auto theft, owners of older F-150s might face higher premiums in this area. Despite this, the truck’s high safety ratings help keep bodily injury coverage rates lower.

For those looking to further manage their insurance costs, exploring the best usage-based car insurance companies might be a beneficial option. These companies offer policies that adjust premiums based on actual driving behavior, potentially leading to savings for responsible drivers.

Overall, these factors balance out, resulting in relatively affordable insurance premiums for the Ford F-150. Enter your ZIP code now to begin comparing.

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Ford F-150 Safety Ratings

When it comes to safety ratings, the Ford F-150 stands out impressively. Your car insurance rates are often influenced by the safety ratings of the vehicle you drive, and if you drive an F-150, you’re in luck.

The 2020 Ford F-150 boasts exceptional ratings from the “Insurance Institute for Highway Safety” (IIHS), receiving a ‘Good’ rating for every test—this is the highest possible score awarded by the IIHS.

This impressive safety performance not only contributes to potentially lower car insurance rates but also qualifies you for valuable car insurance discounts.

In comparison to other large trucks, such as those from Chevrolet and other leading brands, Ford’s safety ratings for the F-150 are generally superior, underscoring its commitment to safety and reliability.

Top Ford F-150 Car Insurance Companies

When choosing car insurance for a Ford F-150, it’s important to consider providers that offer competitive rates, a range of discounts, and recognize the F-150’s extensive safety features.

Companies with a significant market share, such as State Farm, Geico, and Progressive, are often more financially stable and reliable, providing a sense of security for policyholders.

According to data from the Insurance Information Institute (III), these top contenders dominate the market due to their strong reputations and extensive coverage options.

While Nationwide and Farmers have a smaller market share, they can still offer competitive rates and dependable service. To find the most suitable coverage for your Ford F-150, getting competitive quotes for car insurance from multiple providers is essential.

This approach helps ensure you secure the best possible rates and coverage tailored to your needs. Enter your ZIP code now to begin comparing.

Frequently Asked Questions

What are the average Ford F-150 car insurance rates?

The average cost of car insurance for a new Ford F-150 is $110 per month or $1,322 annually. Factors such as your age, location, and driving history can also impact your insurance premiums.

Are Ford F-150s expensive to insure?

Ford F-150s are relatively affordable to insure compared to other trucks. The average insurance cost for an F-150 is about $68 less per month than the average vehicle. Enter your ZIP code now to begin comparing.

What factors impact the cost of Ford F-150 car insurance?

Factors such as the age of the vehicle, driver’s age, location, and driving record can impact the cost of Ford F-150 car insurance. The safety ratings and safety features car insurance discount also play a role.

Does the age of the Ford F-150 impact car insurance rates?

Generally, older Ford F-150 models cost less to insure than newer models. Older cars have lower repair or replacement costs and are stolen less frequently.

How does driver age affect Ford F-150 car insurance rates?

Driver age can affect car insurance rates. Younger drivers may pay higher premiums compared to older drivers.

For example, a thirty-year-old driver pays around $58 more each year for their Ford F-150 car insurance than a forty-year-old driver. Enter your ZIP code now to begin comparing.

What makes Geico the top choice for the best Ford F-150 car insurance, according to the article?

Geico is ranked as the top choice for the best Ford F-150 car insurance due to its extensive online tools and a safe-driving car insurance discount of 22%.

Its A++ rating from A.M. Best further underscores its reliability and customer satisfaction.

How does USAA’s safe-driving discount compare to other insurers listed in the article?

USAA offers a 30% safe-driving discount, the highest among the listed insurers, making it an attractive option for Ford F-150 owners who prioritize competitive rates.

Additionally, USAA’s A++ rating highlights its strong financial standing and commitment to its members.

Why might State Farm be a good option for Ford F-150 owners who value roadside assistance?

State Farm is recommended for Ford F-150 owners who value roadside assistance, with a 15% safe-driving discount available.

Although it has a B rating from A.M. Best, it remains a solid choice for those seeking additional services beyond basic coverage. Enter your ZIP code now to begin comparing.

What unique feature does Liberty Mutual offer that makes it a strong contender for the best Ford F-150 car insurance?

Liberty Mutual stands out for offering accident forgiveness, a unique feature that can protect Ford F-150 owners from premium increases after their first accident.

With a 15% safe-driving discount and an A rating, it is a strong contender for the best Ford F-150 car insurance.

How does Travelers’ IntelliDrive program benefit Ford F-150 drivers seeking usage-based insurance?

Travelers’ IntelliDrive program benefits Ford F-150 drivers by offering usage-based insurance, which can lower premiums based on driving habits. Its A++ rating ensures that policyholders are backed by a financially stable and reputable insurer.

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Written by:

Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine

Feature Writer

Reviewed by:

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

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Reviewed by Brad Larson

Licensed Insurance Agent

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