Ford F-150 Insurance [2025]: Find Cheap Premiums for Your Pickup

The Ford F-150 has been the bestselling truck in the U.S. for decades. Drivers from all walks of life love the versatile pickup, which has the bed space and towing capacity to haul anything from a canoe to a camper to more than 100 dalmatian puppies (that last example is a less common use case than the other two — but it’s cuter). Plus, the Ford F-150 is relatively affordable to insure for a truck, with national average premiums similar to a typical car.

Smart pickup drivers can get cheaper Ford F-150 car insurance by choosing the right company. Our top picks, which include GEICO and State Farm, offer great coverage for the Ford F-150 at low premiums.

Best Ford F-150 insurance

GEICO

Best for discounts

GEICO is among the cheapest auto insurance companies for most used and new Ford F-150 models, according to Insurify data. The company also offers a longer list of discounts than its competitors, including a new car discount and several vehicle equipment discounts that Ford F-150 drivers may qualify for. GEICO’s usage-based program, DriveEasy, tracks your driving behavior and may provide a policy discount for safe drivers.

Learn more in our GEICO review.

USAA

Best for military

USAA membership is open to military members, veterans, some federal employees, and their immediate families, and a membership is required to purchase insurance from USAA. The company offers the cheapest average premiums for Ford F-150s of the insurance providers we reviewed.

Military families can access specialized discounts, including a vehicle storage discount of up to 60%. USAA also offers a telematics program called SafePilot, which gives safe drivers a premium discount of up to 30% through the program. USAA’s usage-based program is highly rated by J.D. Power.

Learn more in our USAA review.

State Farm

Best for customer satisfaction

State Farm offers the 2nd-cheapest premiums on average for Ford F-150 drivers. The company also stands out for customer satisfaction, ranking sixth for claims satisfaction in a J.D. Power study and receiving above-average ratings for customer satisfaction across regions in a J.D. power regional study. State Farm assigns a dedicated insurance agent to every policyholder.

I chose State Farm for my home and auto coverage due to the company’s competitive pricing and generous bundling discount. I’ve stayed with the company for years because I appreciate the quick and easy mobile app claims, top-notch customer support, and speedy roadside assistance service. The company offers a few coverage add-ons that may appeal to Ford F-150 truck drivers, including rideshare coverage and travel expense coverage.

Learn more in our State Farm review.

Allstate

Best for new Ford F-150 owners

Allstate offers coverages and discounts that may appeal to drivers buying a new Ford F-150 truck. The company offers several discounts that not everyone has: for buying a new car, for having anti-lock brakes, and an anti-theft discount. Allstate also offers new car replacement coverage for Ford models 2 years old or less — with this optional add-on, Allstate will help you replace your Ford F-150 if it’s totaled rather than only paying its depreciated value. The company’s usage-based program, Drivewise, is well rated by J.D. Power. And Allstate made our list of the best car insurance companies for teens and new drivers.

Learn more in our Allstate review.

American Family

Best for roadtrippers

The Ford F-150 gives you the space and the off-roading capability to pack up your camping gear and go exploring off the beaten path. If your family plans to take road trips in your Ford truck, that’s worth considering when you choose an insurance company.

American Family’s 24/7 emergency roadside service is comprehensive and includes up to an hour of mechanical labor for roadside repairs. The company also offers a Travel Peace of Mind package, which additionally covers accommodations and a rental car if you get in an accident on a road trip. Customers have great things to say about the company on Trustpilot. But American Family doesn’t offer auto insurance in all states.

Learn more in our American Family review.

Progressive

Best for contractors

Given that the Ford F-150 can haul tools, equipment, or deliveries, it’s a popular vehicle for business activities like landscaping and construction. A personal auto policy may cover occasional business trips, but if you regularly use your Ford F-150 for work, you’ll need a commercial policy. Progressive is the largest commercial auto insurer in the U.S. and offers insurance packages tailored to contractors.

If you’re using your Ford F-150 to make deliveries for a rideshare company, Progressive also offers rideshare coverage as an add-on to a personal policy. The company offers a wide range of optional coverages, including custom parts and equipment (CPE) coverage. But Progressive has some customer satisfaction issues.

Learn more in our Progressive review.

How to get cheap car insurance for a Ford F-150

Ford F-150 owners should consider the following tips to save money on car insurance:

• Compare car insurance quotes: Some insurers offer cheaper coverage for Ford F-150 trucks than others. Insurance companies also weigh info like your age and driving record differently when setting premiums, so it’s wise to compare quotes from multiple companies to get the best deal.
• Look for vehicle equipment discounts: Some car insurance companies offer discounts for safety and security features. If your Ford F-150 has advanced safety features like the Ford Co-Pilot360 package, you could earn a discount. Some insurers, like GEICO and Allstate, even offer discounts for common features like anti-lock brakes.
• Consider usage-based insurance: Many auto insurers offer usage-based insurance. The details vary, but the insurer typically tracks your driving behavior via a mobile app or telematics device and discounts your policy for safe driving.
• Raise your deductible: Choosing a high deductible is an easy way to lower your full-coverage premium. But make sure you have enough saved to cover the deductible in case of an at-fault accident.
• Drop optional coverages on older Ford models: If you have an older used Ford F-150, it might not be worth adding full coverage, especially if you don’t use your Ford truck daily or plan to buy a new one. Liability insurance is much more affordable. It can make sense to drop comprehensive and collision coverage if your car is worth less than 10x the premium.
• Seek other discounts: Ask your insurance agent whether you qualify for any of the following discounts: for taking a defensive driving course, for being a student, for bundling multiple policies, for having more than one vehicle, or any other savings opportunity.

FAQs

Bottom line

Some Ford F-150 drivers have unique coverage needs — they might need extra coverage for road trips or business trips, specialized coverage for custom parts, or coverage add-ons that protect against the rapid depreciation of new vehicles. But every Ford F-150 driver wants an affordable premium and great customer service. The car insurance companies in this guide are all great options for Ford F-150 owners, but make sure to compare customized car insurance quotes before buying a policy.