Ford F-150 Insurance Cost (2026)

Q: Do older Ford F-150 model years cost less to insure?

Penny asks: "How much do older model years save?" Scout answers: "Plenty. A 2017 Ford F-150 runs about -14% versus the 2021 baseline of $147/mo, while a 2025 runs +17%. Liability barely moves; it is the comprehensive and collision share that falls as the vehicle depreciates."

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

Cost by model year

Model year	Liability / mo	Full coverage / mo	vs 2021 baseline
2025 Ford F-150	$57	$172	+17%
2023 Ford F-150	$57	$157	+7%
2021 Ford F-150	$56	$147	baseline
2019 Ford F-150	$55	$138	-6%
2017 Ford F-150	$55	$126	-14%

Illustrative estimates for layout and comparison purposes; see our methodology.

Ford F-150 vs rival vehicles

Vehicle	Full coverage / mo	Note
Ford F-150	$147	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

Illustrative estimates for layout and comparison purposes; 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 Rates

What 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, while a 2025 runs +17%. The savings hide in the comprehensive and collision share, which falls as the vehicle depreciates.

Ford F-150 insurance cost (2026)

Scout's quick take

Cost by model year

Ford F-150 vs rival vehicles

Ford F-150 quotes pile up fast. Scout digs through the whole pile and brings back the cheapest one.

What moves a Ford F-150 premium

Ford F-150 questions, answered