Cheap Car Insurance Quotes for the Ford F-Series Trucks

The average annual premium for a F‑150 is $480 for liability and $1,500 for full coverage. Car insurance is legally required in most states to operate a vehicle on public roads.

No matter what type of driver you are, you can benefit from an affordable state minimum liability or a full auto insurance policy from Freeway Insurance. Liability insurance is the minimum coverage required by law in many states, protecting you against damages you may cause to others in an accident. Auto insurance can also help cover your legal defense costs if you are sued after an accident. It’s important for you to determine your state’s requirements before purchasing a policy to ensure you have the right coverage.

At Freeway Insurance, we offer you a wide range of insurance products, including coverage for high-risk drivers. Our expert team of agents are here to help you reduce the cost of your policy through bundling, car insurance discounts, and by providing you with a free, no-obligation car insurance quote. By comparing quotes from more than one insurance company, you can find the best options and the best price for your needs.

The Ford F-Series has been a cornerstone of the Ford Motor Company lineup since its debut in 1948. As one of the most recognized and best-selling Ford vehicles, the F-Series has set the standard for full-size pickup trucks in the United States. Over the decades, the F-Series has evolved through multiple generations, each introducing new features, advanced engine options, and innovative designs that have kept it at the forefront of the truck market.

From the classic workhorse models to the modern F-150 and Super Duty trucks, the F-Series is known for its durability, versatility, and impressive performance. Ford has continually enhanced the F-Series with powerful engine choices, advanced safety features, and technology packages that appeal to a wide range of drivers. Whether you’re looking for a reliable vehicle for daily driving or a heavy-duty truck for demanding jobs, the F-Series offers a model to fit your needs.

Today, the F-Series includes popular models like the F-150, known for its balance of power and efficiency, and the Super Duty lineup, designed for maximum towing and payload capacity. With a legacy built on strength, innovation, and reliability, the Ford F-Series continues to be a top choice for truck buyers across the country.

Drivers have choices between state minimum liability or full premium, a combination of both or additional options, as well.

Full Coverage

Full coverage includes the state‑required minimum liability, collision and comprehensive.

Collision pays for damages caused by vehicle‑to‑vehicle, vehicle‑to‑object, and rollover collisions.

Comprehensive covers damages due to non‑collision‑related events caused by falling objects, vandalism, fire, and other events outside of your control.

You should opt for full over a liability‑only policy if possible. Adding comprehensive and collision offers substantially greater protections, covering the cost of repairs after both collision and non‑collision accidents, regardless of who is at fault.

Full coverage is ideal for drivers who anticipate potential challenges on the road and want to be prepared for whatever may come their way. It provides the financial protection and peace of mind needed to handle both expected and unexpected incidents, ensuring you’re not left vulnerable after an accident or other damages.

To drive anywhere without fear of what might happen, you can also join the Freeway Auto Club. This affordable 24/7 roadside assistance program offers help in common emergencies such as a dead battery, running out of fuel, needing towing, and more. Together with full coverage, the Freeway Auto Club provides comprehensive protection and support so you can feel confident and secure wherever the road takes you.

State Minimum Liability

Many Ford truck drivers opt for state auto insurance over full coverage to save money. Depending on the state, minimum coverage may involve up to four types: bodily injury liability, property damage liability, uninsured/underinsured motorist, and medical of either personal injury protection (PIP), or medical payments (MedPay).

Each state has different minimum liability insurance limits. For example, Texas drivers must carry minimum bodily injury coverage of $30,000 per person, $60,000 per accident, and property damage liability of $25,000 per accident. In turn, Arizona drivers must carry a minimum bodily injury coverage of $25,000 per person, $50,000 per accident, and property damage liability of $15,000 per accident. All drivers must abide state minimum requirements.

In states with fault-based systems, individuals injured in an accident have the right to sue the party responsible for the damages. Conversely, in no-fault states, each driver’s insurance provider covers their own medical expenses and lost wages following an accident, regardless of who caused it.

In some states, particularly no‑fault states, the minimum is much more far-reaching. For example, Kansas requires $25,000/$50,000 bodily injury or death per person/accident; $10,000 property damage; $25,000/$50,000 uninsured per person/accident; and $4,500 PIP.

Freeway has you covered at the lowest price in the market, offering side-by-side quote comparisons in just minutes from hundreds of top carriers like GEICO, Allstate, and many more.

The cost of auto insurance coverage for trucks, such as the Ford F-Series and Super Duty, can vary widely based on several key factors. Understanding these elements will help you find the right coverage that fits your budget and needs.

One of the most important factors is the type of engine and the vehicle’s power. Trucks with more powerful engines, like a V8 or a turbo diesel electric motor, often have higher premiums due to the increased risk associated with speed and performance. Additionally, the weight and size of the truck impact insurance costs, as larger trucks can cause more damage in accidents.

The driver’s driving behavior and history also play a crucial role. Drivers with records of violations, accidents, or DUIs typically face higher premiums. Conversely, maintaining a clean driving record and taking advantage of safe driving discounts can significantly lower costs.

Where you live is another major factor. Living in urban areas with heavy traffic and higher accident rates usually means higher insurance premiums than in rural locations. Moreover, if you live in one of the states with the highest rates of auto theft in the USA, your coverage costs may increase due to the added risk.

Finally, the coverage options you choose—including liability, collision, and comprehensive coverage—affect the total price. Opting for a higher deductible can lower your monthly premium but means more out-of-pocket expenses if you file a claim.

By comparing quotes from multiple insurers and considering these factors, you can select the best auto insurance policy for your truck, protecting your investment and your family effectively.

Any driver with a DUI on their driving record will pay higher rates, which may be double or triple your current premium, depending on the amount of time passed since prior DUIs/moving violations and other factors. Many insurers may flat‑out refuse to offer it for high‑risk drivers, although Freeway does offer cheap DUI insurance.

With a DUI violation, expect high‑risk driver classification, with rates affected for a minimum of three years. Depending on the state, you may also be required to file an SR‑22, a proof of financial responsibility that lets the state know you meet its minimum liability requirements.

Another recommendation is to maintain a claims‑free driving record for the next several years. Every state has a lookback period for second DUI offenses and subsequent offenders. Committing a second or third DUI in rapid succession will see longer license revocation periods, increased fines, and a possible jail term.

Truck drivers can lower rates with all types of driver discounts.

Discounts are awarded for everything from enrolling in defensive driving courses to prepaying your annual premium. Expect to save as much as 25% on your premiums with a safe driver discount if you have an accident‑free driving record with no claims or moving violations for the past three to five years.

Insurers offer discounts for a variety of items, including: