Best Ford F-150 Auto Insurance in 2025 (Check Out These 10 Companies)
The best Ford F-150 auto insurance comes from State Farm, Geico, and Progressive. State Farm provides rental reimbursement and roadside help, Geico gives solid military discounts, and Progressive covers custom parts. Pickup truck insurance costs more, but F-150 rates start at $102 monthly with State Farm.
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Mar 11, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 11, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsIf you’re looking for the best Ford F-150 auto insurance, State Farm, Geico, and Progressive offer top-tier coverage with competitive rates starting at $102 monthly.
State Farm provides accident-free discounts and rental reimbursement, Geico offers mechanical breakdown coverage for newer F-150s, and Progressive includes custom parts protection up to $5,000.
Our Top 10 Company Picks: Best Ford F-150 Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | A++ | Many Discounts | State Farm |
 | #2 | 25% | A++ | Breakdown Coverage | Geico |
 | #3 | 10% | A+ | Custom Parts | Progressive |
 | #4 | 25% | A+ | Add-on Coverages | Allstate |
 | #5 | 13% | A++ | Safe Drivers | Travelers |
 | #6 | 20% | A+ | UBI Discount | Nationwide |
 | #7 | 25% | A | Customizable Polices | Liberty Mutual |
 | #8 | 15% | A | Mobile App | AAA |
 | #9 | 10% | A++ | Military Savings | USAA |
 | #10 | 20% | A | Local Agents | Farmers |
On average, Ford F-150 drivers pay around $145 monthly for full coverage, but discounts and policy options can significantly lower costs.
Keep reading to compare the top 10 Ford F-150 auto insurance companies to find the best mix of cost and coverage. Use our free comparison tool to get free auto insurance quotes now.
- State Farm is the top pick, with accident-free discounts and rental coverage
- Geico provides breakdown coverage to help Ford F-150 owners save on repairs
- Progressive covers custom parts up to $5,000 for modified Ford F-150 trucks
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#1 – State Farm: Top Overall Pick
Pros
- Drive Safe & Save Discount: Drivers using telematics to track safe driver habits can save up to 30% on their Ford F-150 car insurance.
- Rental Reimbursement Coverage: Pays up to $500 for a rental car if your Ford F-150 is in the shop after a covered accident.
- Bundling Discount: Home and auto insurance bundling reduces Ford F-150 auto insurance rates by up to 17%.
Cons
- Limited High-Risk Driver Discounts: Ford F-150 owners with prior at-fault accidents or DUIs may not qualify for the same discount levels as Geico or Progressive.
- Higher Deductibles for Trucks: Ford F-150 owners may face a $1,000 minimum deductible for certain coverages. Learn more in our State Farm insurance review.
#2 – Geico: Best for Breakdown Coverage
Pros
- Mechanical Breakdown Insurance: Extends Ford F-150’s factory warranty for engine, transmission, and other vital parts.
- Military Discount: Ford F-150 insurance is discounted by up to 15% for active and retired military personnel.
- Bundling Discount: Ford F-150 owners with multiple policies qualify for the highest bundling discount among major insurers.
Cons
- Limited Custom Equipment Coverage: Ford F-150 owners modifying their trucks are only covered up to $1,000 without an add-on policy.
- High Young Driver Rates: Ford F-150 owners under 25 pay 20% more on average than older drivers. Compare quotes in our Geico insurance review.
#3 – Progressive: Best Custom Parts Coverage
Pros
- Custom Parts & Equipment Coverage: Protects aftermarket modifications on Ford F-150s up to $5,000.
- Snapshot Safe Driving Discount: Ford F-150 drivers using telematics can earn up to 20% off for safe driving. Unlock details in our Progressive Snapshot review.
- Accident Forgiveness: No premium increase for the first at-fault accident if a Ford F-150 driver has five claim-free years.
Cons
- Higher Base Rates: Ford F-150 insurance premiums are 10% higher than State Farm without discounts.
- Snapshot Discount Variability: High-mileage Ford F-150 drivers may see less than 5% in savings through the program.
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#4 – Allstate: Best Add-On Coverages
Pros
- New Car Replacement: Replace a totaled Ford F-150 with a newer model if it’s within the first two years of ownership.
- Sound System Protection: Covers aftermarket stereo, speakers, and in-dash navigation for up to $2,500.
- Multi-Policy Discount: Ford F-150 owners bundling home, renters, or life insurance save up to 25%. Get more quotes in our Allstate auto insurance review.
Cons
- Higher Premiums: Even with the 25% bundling discount, Ford F-150 drivers pay $30-$50 more monthly than competitors.
- Mileage-Based Discounts Are Strict: Low-mileage Ford F-150 auto insurance discounts require less than 7,500 miles per year.
#5 – Travelers: Best for Safe Drivers
Pros
- Premier Responsible Driver Plan: Prevents Ford F-150 insurance rate increases after one minor accident.
- IntelliDrive Telematics: Ford F-150 owners tracking driving behavior can save up to 30%. Explore your options in our Travelers IntelliDrive review.
- $0 Glass Deductible Option: Windshield and window repairs for a Ford F-150 may qualify for full coverage without a deductible.
Cons
- Limited Discounts Availability: Some discounts are state-specific, limiting Ford F-150 insurance savings in certain locations.
- Expensive High-Risk Driver Coverage: Ford F-150 drivers with accidents or violations pay $20 per month more than with Geico.
#6 – Nationwide: Best Usage-Based Discounts
Pros
- SmartRide Telematics Discount: Safe Ford F-150 drivers can save up to 40% based on their driving habits. Read how in our Nationwide SmartRide App review.
- Vanishing Deductible Program: Reduces a Ford F-150’s deductible by $100 annually, down to a minimum of $500.
- Bundling Discount: Home and auto bundling lowers Ford F-150 insurance costs by 20%.
Cons
- Full Coverage Rates: Ford F-150 full coverage auto insurance is more expensive with Nationwide than other providers.
- Older Model Surcharge: Ford F-150 models older than 10 years may have higher-than-average premiums.
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#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Better Car Replacement: Replace a totaled Ford F-150 with a model that is one year newer and has 15,000 fewer miles.
- RightTrack Telematics: Ford F-150 drivers can earn up to 30% in premium discounts with safe driving habits. Get a list of discounts in our Liberty Mutual insurance review.
- Gap Coverage Add-On: Covers the remaining loan balance if a Ford F-150 is totaled and its loan is higher than its value.
Cons
- Stacking Discounts is Limited: Some Ford F-150 policyholders cannot combine multiple discounts.
- Strict RightTrack Rules: Ford F-150 owners must maintain consistent telematics tracking for full benefits.
#8 – AAA: Best Online App
Pros
- Mobile Claims Filing: The AAA Auto Club app allows Ford F-150 drivers to file claims, track repairs, and request roadside assistance in real time.
- Trip Interruption Protection: Covers lodging and food expenses if a Ford F-150 breaks down 100+ miles from home. Access comprehensive insights into our AAA auto insurance review.
- AAA Member Discount: AAA members save 15% or more on Ford F-150 auto insurance, with additional regional savings of up to 20% in select states.
Cons
- Membership Required: Ford F-150 drivers must maintain an active AAA membership to access discounts.
- Fewer Customization Options: AAA’s coverage options for Ford F-150 trucks are less flexible than Liberty Mutual’s.
#9 – USAA: Best for Military Savings
Pros
- Military Discount: Active and retired service members insuring a Ford F-150 receive exclusive savings and policy options.
- Accident Forgiveness: Ford F-150 car insurance rates are kept steady after a first at-fault accident. Discover more in our USAA auto insurance review.
- Superior Financial Strength Rating: USAA holds the highest financial stability ranking — a superior A++ from A.M. Best.
Cons
- Limited Eligibility: Only military personnel, veterans, and their families can qualify for USAA Ford F-150 insurance.
- No Local Agents: Ford F-150 drivers who prefer in-person service must rely on online or phone support.
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#10 – Farmers: Best for Local Agents
Pros
- Dedicated Local Agents: Ford F-150 owners get personalized service through Farmers’ nationwide network of agents.
- Signal Telematics Discount: Safe Ford F-150 drivers using the Signal app can save up to 20%. Check out insurance savings in our complete Farmers Signal auto insurance review.
- OEM Parts Coverage: Covers repairs using original Ford parts for newer Ford F-150 models.
Cons
- Higher Base Premiums: Compared to rivals like Geico and State Farm, Farmers Ford F-150 auto insurance rates are 10%–15% higher.
- Limited Digital Features: Farmers Insurance mobile app lacks real-time tracking for Ford F-150 auto insurance claims.
Comparing Rates From The Top Ford F-150 Insurance Providers
The best Ford F-150 insurance isn’t just about price — it’s about value. State Farm, Progressive, and Geico stand out with firm coverage and reasonable rates. These best auto insurance providers offer the ideal balance of price, perks, and specialty coverage.
Ford F-150 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $112 | $179 |
| $109 | $159 |
| $125 | $189 |
| $109 | $157 |
| $119 | $172 |
| $115 | $169 |
| $104 | $151 |
 | $102 | $155 |
 | $111 | $162 |
 | $122 | $182 |
State Farm is the most affordable at $102 monthly for minimum coverage and $155 per month for full coverage. For customized trucks, Progressive provides up to $5,000 in custom components with a full coverage policy starting at $151 a month. Geico offers mechanical breakdown insurance, which costs $157 per month, to help drivers avoid expensive major repairs.
How Policy Choices Impact Ford F-150 Insurance Rates
The cost of Ford F-150 auto insurance depends on coverage type, deductible selection, and driver risk level. The average monthly premium for a safe driver in their 40s is $130 per month. But drivers can lower this rate through discount programs and higher deductibles.
Ford F-150 Auto Insurance Monthly Rates by Policy Type
| Policy Type | Average Rate |
|---|---|
| Discount Programs | $120 |
| High Deductibles | $100 |
| High-Risk Driver | $150 |
| Low Deductibles | $140 |
| Safe Driver | $130 |
| Teen Driver | $180 |
High-deductible plans reduce monthly Ford F-150 insurance costs to $100, making them ideal for Ford F-150 owners who rarely file claims. Conversely, low-deductible policies raise premiums to $140 but minimize out-of-pocket expenses in case of damage. Learn more about how auto insurance deductibles work.
Drivers who frequently rent vehicles after an accident should prioritize rental reimbursement coverage to avoid out-of-pocket costs even though it raises monthly rates.Daniel Walker Licensed Insurance Agent
High-risk drivers with accidents or violations see rates increase to $150 per month. Teen drivers face the steepest rate at $180 per month, making good student discounts and defensive driving courses essential for young drivers to save money.
Ford F-150 Insurance Rates by Age and Driving Record
Your age and driving history play a huge role in how much you’ll pay for Ford F-150 auto insurance. A 16-year-old with a clean record pays around $320 per month, but just one DUI skyrockets that to $420 — proof that high-risk drivers get hit with the biggest rate hikes.
Ford F-150 Auto Insurance Monthly Rates by Age & Driving Record
| Age | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| 16-Years-old | $320 | $370 | $420 | $350 |
| 25-Years-old | $200 | $240 | $280 | $220 |
| 35-Years-old | $180 | $210 | $250 | $190 |
| 45-Years-old | $170 | $200 | $240 | $180 |
| 55-Years-old | $160 | $190 | $230 | $170 |
By 25, rates drop to $200 monthly for those with a clean record, though an accident bumps it up to $240 per month. As drivers hit their mid-30s and 40s, monthly costs settle around $170–$180 per month, but a DUI still pushes monthly rates past $240. Even at 55, a DUI keeps premiums high at $230 a month, showing that high-risk penalties don’t fade with age.
Some auto insurance companies for high-risk drivers offer options for those with past mistakes, but the best way to keep Ford F-150 insurance affordable is to keep a clean record and take advantage of discounts.
Ford F-150 Auto Insurance Discounts for Bigger Savings
Ford F-150 drivers can strategically combine these auto insurance discounts to lower their insurance costs without using valuable coverage. Stack discounts for maximum savings.
Ford F-150 Auto Insurance Discounts From Top Providers
| Insurance Company | Bundling | Green Vehicle | Military | Pay-in-Full | UBI |
|---|---|---|---|---|---|
| 15% | 5% | 10% | 15% | 30% |
| 25% | 7% | 25% | 10% | 30% |
| 20% | 8% | 20% | 10% | 30% |
| 25% | 5% | 15% | 10% | 25% |
| 25% | 8% | 10% | 12% | 30% |
| 20% | 10% | 25% | 15% | 40% |
| 10% | 5% | 15% | 15% | $231/yr |
| 17% | 5% | 25% | 15% | 30% |
| 13% | 10% | 10% | 15% | 30% |
| 10% | 10% | 15% | 20% | 30% |
State Farm, Geico, and Progressive lead with strong cost-cutting programs. State Farm’s Drive Safe & Save rewards safe drivers who use telematics with a 30% discount, while Nationwide SmartRide offers up to 40% off for safe driving.
Progressive’s discounts help long-term policyholders save more, and Geico’s Military and Emergency Deployment discounts cater to service members. Liberty Mutual and Travelers provide discounts for new cars, hybrid vehicles, and violation-free records.
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Ford F-150 Safety Ratings & Crash Test Performance
The Ford F-150 consistently earns top safety ratings, making it one of the best-protected full-size trucks on the road. It earns top marks in nearly every crash test.
Ford F-150 Safety Ratings
| Safety Category | NHTSA Rating | IIHS Rating |
|---|---|---|
| Front Crash | 5 Stars | Good |
| Side Crash | 5 Stars | Good |
| Rollover | 4 Stars | N/A |
| Overall Safety Rating | 5 Stars | Good |
| Small Overlap (Driver Side) | 4 Stars | Good |
| Small Overlap (Passenger Side) | 4 Stars | Good |
| Moderate Overlap | 5 Stars | Good |
| Side Crash (Rear Seat) | 5 Stars | Good |
| Roof Strength | 5 Stars | Good |
| Head Restraints and Seats | 5 Stars | Good |
The NHTSA awarded it a 5-star overall safety rating, with front and side crash tests receiving perfect scores. However, its rollover resistance rating is four stars, a common challenge for trucks due to their higher center of gravity.
The IIHS also rates the F-150 highly, marking “Good” in nearly all crashworthiness categories, including roof strength, head restraints, and moderate overlap tests. While both small overlap crash tests (driver and passenger side) received four stars, the truck still excels in protecting occupants.
These ratings highlight why insurance companies factor in safety when calculating Ford F-150 insurance premiums, as trucks with superior crash protection often qualify for lower rates and additional safety-related discounts.
Learn more: What is needed for adequate auto insurance coverage?
Ford F-150 Auto Insurance Loss Probability and Coverage Risks
The chances of filing a Ford F-150 auto insurance claim depend on the type of coverage, which directly impacts what you pay. Collision coverage has the highest loss probability at 25% since accidents often lead to expensive repairs.
Ford F-150 Auto Insurance Loss Probability by Coverage Type
| Coverage Type | Loss Probability |
|---|---|
| Liability | 20% |
| Collision | 25% |
| Comprehensive | 15% |
| Uninsured Motorist | 18% |
| Medical Payments | 10% |
| Personal Injury Protection | 12% |
| Roadside Assistance | 8% |
| Rental Reimbursement | 5% |
| Gap Insurance | 3% |
Liability coverage follows at 20%, covering damages if you’re at fault. Comprehensive coverage at 15% protects against theft, weather damage, and vandalism, while uninsured motorist coverage at 18% helps if another driver doesn’t have insurance.
Lower-risk options like medical payments at 10%, personal injury protection at 12%, roadside assistance at 8%, rental reimbursement at 5%, and gap insurance at 3% still offer solid financial protection. Knowing these numbers helps Ford F-150 drivers choose the right balance of coverage and cost without overpaying.
Best Features of The Top Ford F-150 Auto Insurance Providers
State Farm, Progressive, and Geico are the top picks for the best Ford F-150 auto insurance. State Farm has the lowest rates and covers rental reimbursement up to $500, so you’re not stuck without a ride after an accident.
Luxury Ford F-150 models may require OEM parts coverage or higher liability limits to maintain value. Progressive includes custom parts and equipment coverage up to $5,000, which is ideal for modified Ford F-150 trucks. Geico offers mechanical breakdown insurance, covering major repairs beyond the factory warranty.
To find cheap Ford F-150 auto insurance near you, compare multiple quotes online to secure the most competitive rates and coverage options. Use our free comparison tool to see what auto insurance quotes look like in your area.
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Frequently Asked Questions
How much is insurance for a Ford F-150?
The average Ford F-150 auto insurance cost is $130 per month, with minimum coverage as low as $102 and full coverage averaging $151, depending on the driver’s record and location.
Are Ford F-150s expensive to insure?
The Ford F-150 is moderately priced to insure, with full coverage rates starting at $151, but high-risk drivers may pay up to $180 per month due to past accidents or violations.
Why is pickup truck insurance so high?
Pickup truck insurance is often higher due to higher repair costs, increased liability risks, and the Ford F-150’s 4-star rollover resistance rating, which affects risk calculations. Additionally, liability auto insurance for trucks can be more expensive because of their potential for greater damage in accidents, leading to higher claim payouts.
Are pickup trucks like the Ford F-150 cheaper to insure than SUVs?
Ford F-150 auto insurance is often cheaper than that of some SUVs, as the truck’s 5-star crash ratings help reduce rates. However, higher repair costs can offset savings.
At what point should you drop full coverage on your Ford F-150?
You can drop full coverage when your Ford F-150’s value falls below $4,000 or when the annual premium exceeds 10% of the truck’s market value, making it less cost-effective.
How do you get a reduced Ford F-150 auto insurance rate?
To lower your auto insurance rate, consider State Farm’s Drive Safe & Save for up to 30% off or Progressive’s Snapshot for usage-based insurance savings that reward safe driving habits. Bundling home and auto can also save up to 17%.
Will my auto insurance go up if I get a truck?
Switching to a Ford F-150 could increase your auto insurance rate by up to 20% due to higher liability risks, repair costs, and accident data.
Is Progressive insurance good for Ford F-150?
Yes, Progressive is great for Ford F-150 owners. It offers custom parts and equipment coverage up to $5,000 and accident forgiveness for first-time claims.
Why is my Ford F-150 auto insurance so high with a clean record?
Even with a clean record, Ford F-150 insurance may be high due to its size, a 4-star rollover rating, and an 18% loss probability for uninsured motorist claims.
What is a good monthly payment for Ford F-150 auto insurance?
A good monthly payment for Ford F-150 auto insurance is around $130, but safe drivers using telematics programs or bundling coverage can pay as low as $102.
At what point is Ford F-150 auto insurance not worth it?
Ford F-150 auto insurance may not be worth full coverage if the truck’s value drops below $4,000 and annual premiums exceed 10% of its market value.
Is State Farm a good insurance company for the Ford F-150?
Yes, State Farm is a top choice for Ford F-150 owners. It offers rental reimbursement of up to $500, multi-vehicle auto insurance discounts, and accident-free savings of up to 30%.
Who’s better for Ford F-150 auto insurance, Geico or Progressive?
Geico offers better rates for military members and mechanical breakdown insurance, while Progressive provides $5,000 in custom parts coverage for modified trucks. Compare Geico vs. Progressive auto insurance.
Does credit score affect Ford F-150 auto insurance?
Yes, a credit score below 600 can increase Ford F-150 auto insurance rates by up to 20%, while a score above 750 can significantly lower premiums.
Use our free comparison tool to get the cheapest rates on auto insurance by entering your ZIP code today.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.