Ford F-150 insurance cost (2026)
Scout's quick take
- Average full coverage: $147/mo for a 2021 Ford F-150, clean record
- Liability-only averages $56/mo across recent model years
- That puts the Ford F-150 about $5/mo below the $152 national average for full coverage
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Cost by model year
| Model year | Full coverage / mo | Liability / mo | vs 2021 baseline |
|---|---|---|---|
| 2025 | $172 | $57 | +17% |
| 2023 | $157 | $57 | +7% |
| 2021 | $147 | $56 | baseline |
| 2019 | $138 | $55 | -6% |
| 2017 | $126 | $55 | -14% |
Estimates, not quotes: built from public 2025 to 2026 premium benchmarks and our cost model, clean-record driver profile. See our methodology.
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Ford F-150 vs rival vehicles
| Vehicle | Full coverage / mo | Note |
|---|---|---|
| Ford F-150 | $147 | Cheapest here. The vehicle on this page |
| Toyota Tundra | $149 | Strong reliability, pricier body panels |
| Chevy Silverado 1500 | $151 | Higher theft rate in southern states |
| Ram 1500 | $156 | Costlier interior tech to replace |
Estimates, not quotes: the same clean-record driver profile priced across every vehicle, so the comparison is like for like. See our methodology.
Ford F-150 quotes pile up fast. Scout digs through the whole pile and brings back the cheapest one.
Compare Ford F-150 RatesWhat moves a Ford F-150 premium
- Trim level: base trims sit at the bottom of the rate sheet; performance and top-spec trims carry higher collision costs
- Repair and parts network: the easier a Ford F-150 is to fix near you, the lower the comprehensive and collision share runs
- Safety tech: automatic emergency braking and driver-assist packages earn discounts with most major carriers
- Usage: commuting under 10,000 miles a year rates cheaper; business or rideshare use adds a surcharge
Ford F-150 questions, answered
Is a Ford F-150 expensive to insure?
Not especially. At $147/mo for full coverage, a 2021 Ford F-150 runs about $5/mo below the $152 national average, so it lands on the cheaper side of the market.
Do older Ford F-150 model years cost less to insure?
Yes. Scout dug through the numbers: a 2017 Ford F-150 runs about -14% versus the 2021 baseline of $147/mo, while a 2025 runs +17%. Liability barely moves; the savings hide in the comprehensive and collision share, which falls as the vehicle depreciates.
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We maintain the vehicle rate index and review every cost page on this site. Figures here are estimates, not quotes: see our methodology for how they are built.