Ford F Series Insurance
(And how to get the lowest premiums)
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Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.
Reviewed by
Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.
You want excellent insurance for your Ford F-Series truck, but calling multiple insurance companies to get car insurance quotes is time-consuming. It can be difficult to understand how insurance companies break down their prices. Instead of handling the details yourself, consult an independent insurance agent. They have access to many insurance companies and can get you the best possible price on insurance. They can also help you understand what types of insurance you need and why.
Not sure where to find an independent insurance agent in your area?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Ford F-Series.
What Kind of Insurance Do You Need for Your Ford F-Series?
Bodily injury liability: Bodily injury liability insurance pays for medical costs if someone else is hurt in an accident you cause. This type of insurance is mandatory in many states. Your agent can help you understand your state's minimum allowable amounts.
Property damage liability: Property damage liability is also legally mandated in many areas of the country. Since you are responsible for paying for damage you cause if they exceed the amount of your insurance policy, it may be a good idea to buy more than the minimum amount.
Medical payments/Personal injury protection:
Depending on where you live, you can choose to buy either medical payments insurance or personal injury protection. This type of insurance covers medical bills for you and your passengers after you are in an accident. Regardless of who is at fault, you'll have medical coverage right away.
Uninsured motorist coverage:
If you are in an accident with someone who doesn't have the right type or amount of insurance, you may be left with a pile of medical and repair bills. Uninsured and underinsured motorist coverage picks up where the other party's insurance stops. In some places, you are required to carry this type of coverage.
Optional Coverage:
Collision: Collision insurance coverage pays for damage to your Ford F-Series if you are in an accident with another vehicle or if you hit an object like a building or a fence. Collision coverage may not be the best idea for an F-Series owner who has an older truck that's paid off. Your agent can help you understand the pros and cons of adding collision insurance to your policy.
Comprehensive: If you hit an animal in the road or your truck is stolen or vandalized, comprehensive insurance coverage will pay to fix or replace your truck, minus your deductible.
With both comprehensive and collision insurance, your insurance company pays only up to the market value of your vehicle. If you have a loan or lease on your truck, the bank may have requirements about the amounts and types of insurance you carry. In most cases, banks require comprehensive and collision insurance.
Glass coverage: A zero-deductible glass coverage policy will replace your broken windshield. Without a glass policy, you are only covered for the cost of the new glass replacement, minus your deductible. Glass coverage costs just a few dollars each month.
Gap insurance: If you have a lease or loan on your Ford F-Series, you may owe more than your truck is worth. If you didn't buy gap insurance at the dealership, you can still add it to your auto insurance policy with help from your agent. Without gap insurance, you will be responsible for paying off the loan after the insurance pays the market value of the truck if you are in an accident resulting in a total loss.
What Affects the Cost of Insurance for Your Ford F-Series?
Annual mileage: F-Series drivers who put more than 10,000 to 15,000 miles per year on their truck typically pay slightly higher auto insurance rates.
Your driving record: If you don't have any at-fault accidents or moving violations on your driving record, you could get a discount of up to 40% on your auto insurance.
The value of your vehicle: Does it cost more to repair or replace higher-value vehicles? Drivers who own Ford F-Series tend to pay higher than average auto insurance rates.
| Average Annual Ford F-250 Series Insurance Rates by Model Year | |
| 2017 Ford F-250 Series: | $1,580 |
| 2015 Ford F-250 Series: | $1,536 |
| 2013 Ford F-250 Series: | $1,458 |
| 2011 Ford F-250 Series: | $1,350 |
Average Ford F-Series Insurance Costs
On average, a 40-year-old F-Series driver pays $1,580 annually for full coverage auto insurance, including comprehensive and collision coverage. If you want a liability-only policy, average rates drop to just $470 per year. 16-year-old drivers pay an average of $5,938 per year.
The Safety of Your Ford F-Series
The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Ford F-250 an overall four-star safety rating. This heavy-duty truck had some challenges in the braking category. Its Lariat trim comes with standard forward-collision warning, among other important safety features.
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How Location Affects Your Ford F-Series Insurance
Where you live and drive has a lot to do with your car insurance premiums. Your agent can help you get a personalized quote for your Ford F-Series that's specific to your geographical area.
Here's how location affects the average full coverage insurance rates of a 40-year-old driver with a $500 deductible and a good driving record:
| Rural Areas: | Small Cities: | Large Cities: |
| $1,185 | $1,659 | $2,133 |
Additional Factors That Affect Your Ford F-Series Insurance Premiums
- Safety features like anti-theft devices
- Age
- Gender
- Deductible
- Credit
Average Cost to Insure a Ford F-Series
| Average annual cost to insure a Ford F-Series with full coverage: | $1,332 |
| Teens: | $5,938 |
| High-risk drivers: | $3,432 |
| High deductibles: | $1,370 |
| Low deductibles: | $1,994 |
| Top three most expensive states for Ford F-Series insurance: | |
| Michigan, New York, Florida | $2,130 |
| Top three most affordable states for Ford F-Series insurance: | |
| Utah, Ohio, and New Hampshire | $1,140 |
Top Independent Insurance Carriers That Insure the Ford F-Series
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Progressive
- Safeco
- Travelers
- Auto-Owners Insurance
Get a Ford F-Series Quote
Your independent insurance agent can help you understand the local insurance laws and how to best apply them to your insurance policy. At TrustedChoice.com, you can use the find-an-agent tool to get in touch with an agent in your area who can help you get the insurance you need at a price that works with your budget. Get started today by using TrustedChoice.com to find an agent in your town.
IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver