Gianetta Palmer is a writer for, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 13, 2020

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The Ford F-Series is a popular model of pickup truck. One of the oldest models still in production, the F-Series has been made for over sixty years. It was the best-selling vehicle in the country for 24 years and is currently the best-selling truck for 34 years running. The truck’s immense popularity can be attributed to its cost and durability, and many people are so brand-loyal that they will own multiple Ford trucks throughout their lives.

Whether you already own a Ford F-Series truck or are thinking of buying one, you might be wondering how the insurance costs for this truck compare to others in its class. Insurance premiums can vary tremendously from one vehicle to the next, and a car’s insurance cost is part of the long-term cost of owning that vehicle. All other factors being equal, you might prefer to choose a car that’s cheaper to insure than one that will cost more each month. Researching the insurance premiums in advance can help you decide what kind of car to buy and help you plan your budget accordingly.

Why Car Insurance Rates Vary

Car insurance premiums are determined largely by the driver of the vehicle. Depending on a person’s age, driving history, marital status, credit score and other factors, their rates may be higher or lower than other people’s. The driver isn’t the only factor that influences rates, however. The car itself has a major impact on the cost of premiums.

Auto insurance protects an individual vehicle. Whenever something happens to that car, the insurance policy pays for the damages. If the car is expensive to repair or gets into accidents often, the insurance company will pay more to insure it than if the car never has any claims.

In order to predict whether a vehicle will be costly to insure, companies review the loss statistics for a given make and model. They combine this data with facts about the car’s safety rating, replacement cost and additional features to come up with a reasonable estimate of how likely a car is to wreck and how much it would cost to repair.

How the F-Series Stacks Up

The current model of F-Series being produced is the Ford F150 and its larger versions, the F250, F350 and F450. These vehicles are available in regular size, crew cab, extended cab and both two and four-wheel drive versions. Each variation has slightly different insurance premiums.

In terms of losses, the F150 is actually one of the safer vehicles on the market. When compared to all vehicle accidents, the F150 has a collision rate under half of the average. The four-wheel drive models have a higher rate of accidents, and the larger crew cab seems to have more accidents than the smaller trucks.

In general, pickups cost less to insure than sedans or SUVs. This is because pickups are generally involved in fewer collisions, on the whole, than other types of vehicles. This isn’t necessarily because trucks are safer than cars. It’s simply more likely that people do not drive pickups in the same way.

Because they tend to get worse gas mileage, they’re often not used as commuter vehicles and they get fewer miles per year than other types of vehicles. They’re often seen as more utilitarian and are used for specific purposes other than standard pleasure driving. This keeps loss statistics low for all pickups, not just the F-Series.

In terms of safety features, the Ford F150 rates well. The government rates it with five out of five stars for side-impact collisions and four out of five for frontal crashes. It has only a three out of five rating for roll-over collisions, which is fairly consistent with other pickups and SUVs, but overall the vehicle ranks at four stars. The truck includes numerous valuable safety features:

  • Driver and passenger airbags
  • Side airbags in the front seat
  • Side curtain airbags
  • Anti-lock brakes

A unique feature that Ford implements is the MyKey feature. This allows a vehicle’s owner to program the key to limit driving behaviors while it’s engaged. For example, you may limit the speed that the vehicle travels or keep the car from starting unless the seatbelt is buckled. This is an especially valuable tool for parents who want to decrease the chance of their teens being involved in an accident, and it is an attractive feature to insurance companies that want to reduce the overall risk of insuring a vehicle.

The cost of the vehicle itself plays a role in determining its insurance price. Fords are quite affordable to repair thanks to their domestic parts and ease of labor. Because the F-Series is so popular, it’s easy to find parts and complete repairs for a low price. These trucks are not the cheapest on the market, however, so the cost of replacing one that’s totaled in a collision is higher than the replacement for some competitors. That will cause rates to increase.

How Much Does the F150 Cost to Insure?

The total cost of your insurance premiums will depend on you as a driver as well as where you live and what coverages you decide to carry. Depending on your circumstances, your premiums may be substantially higher or lower than the average cost of premiums. The average insurance cost for a Ford F150 is around $1,300 annually, with slightly higher premiums for the larger models.

Of course, the only way to know exactly how much your insurance will cost is by getting a quote. The quote will take your own driving history and other factors into account and provide an accurate idea of how much the premiums will cost. Once you request a quote online or over the phone from an insurance company, you can find out how much the F-Series truck will cost for you.