Ford F-150 Lightning Insurance: by Model Year & Company
Ford F-150 Lightning insurance costs an average of $1,399 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest Ford F-150 Lightning at $134/mo or $806 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Ford F-150 Lightning:
- The F-150 Lightning costs more to insure than most trucks. Averaging $233/mo for the F-150 Lightning versus $185/mo for typical trucks.
- If you're considering a vehicle similar to the F-150 Lightning, like the Ford F-150 ($165/mo), Ford C-MAX Hybrid ($145/mo), or Ford Edge ($142/mo), your insurance costs will be more expensive.
- Progressive ($142/mo), GEICO ($177/mo), USAA ($181/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 Ford F-150 Lightning
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,611 |
| USAA |
$2,186 |
| GEICO |
$2,256 |
| Nationwide |
$2,569 |
| American Family |
$2,635 |
| Erie |
$3,038 |
| State Farm |
$3,152 |
| Farmers |
$4,694 |
| Allstate |
$5,133 |
Compare all 2025 Ford F-150 Lightning insurance rates.
Average Cost to Insure Per Year
$2,8832024 Ford F-150 Lightning
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,596 |
| USAA |
$2,174 |
| GEICO |
$2,178 |
| American Family |
$2,535 |
| Nationwide |
$2,634 |
| Erie |
$2,873 |
| State Farm |
$3,042 |
| Farmers |
$4,440 |
| Allstate |
$5,295 |
Compare all 2024 Ford F-150 Lightning insurance rates.
Average Cost to Insure Per Year
$2,8592023 Ford F-150 Lightning
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,911 |
| Nationwide |
$2,031 |
| GEICO |
$2,081 |
| American Family |
$2,096 |
| USAA |
$2,326 |
| Erie |
$2,531 |
| State Farm |
$2,886 |
| Farmers |
$3,392 |
| Allstate |
$4,858 |
Compare all 2023 Ford F-150 Lightning insurance rates.
Average Cost to Insure Per Year
$2,6592022 Ford F-150 Lightning
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,705 |
| American Family |
$1,805 |
| GEICO |
$1,995 |
| USAA |
$2,023 |
| Nationwide |
$2,268 |
| Erie |
$2,353 |
| State Farm |
$2,484 |
| Farmers |
$3,237 |
| Allstate |
$4,659 |