Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 25, 2022

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Just the Basics

  • Insurance rates for your Ford F-150 are lower than regular vehicle averages and range widely depending on a variety of factors
  • Factors that affect your insurance rates are based on the insurer’s risk calculations, and discounts are available for customers who qualify
  • Younger driver rates are the highest due to increased risk

If you are looking for Ford Raptor insurance, you need to make sure you have the right policy to protect your vehicle. Finding the best car insurance can take some effort, but here is some basic information to help you find the best rates.

In this article, you will learn about the average costs for insuring your F-150 Raptor. You will also get information on what factors affect your insurance rates and why shopping around can save you money.

We will also discuss why some age groups pay more for insurance. After reading, you will know what you can do to save on your insurance rates and how to shop around for the best coverage.

How much does car insurance cost for a Ford Raptor?

If you wonder how much insurance costs for a Ford F-150 Raptor truck, it will depend on the type of coverage you get. There are many different types of car insurance coverage to choose from. Policy rates can range from $530 per year to $4,832 per year. Overall, the Ford F-150 insurance cost is $197 less per year than the average vehicle.

You can get the lowest rates on your Ford F-150 Raptor by choosing a policy that only provides liability coverage. This is very limited coverage and is not sufficient to protect your investment in a new vehicle. A liability policy pays for damages incurred by third parties if you are at fault in an accident. The liability only rates average about $530 per year.

A full-coverage policy on an F-150 Raptor averages about $1,322 per year. This type of coverage typically includes multiple policy options combined into one, such as liability, collision, and comprehensive. While liability only pays damages for injury caused to other parties, liability and collision options pay for your loss on a vehicle when you are in an accident or the truck is otherwise damaged.

Ford F-150 owners save an average of $545 per year through various policy discounts. Most insurers offer discount programs to customers. A popular discount is a good driver discount. You can qualify for this type of rate reduction by maintaining a driving record free of moving violations.

The highest-cost Ford F-150 insurance policies are those for teen drivers. A policy for a teen driver can cost up to $4,832 per year.

What factors affect Ford F-150 insurance rates?

Insurance companies quote individualized rates based on a variety of factors. These factors are considered in a complex calculation that determines the risk associated with specific categories of drivers. Here are the main inputs in the analysis.

Age of Driver

Insurance companies have determined that younger drivers are at higher risk for accidents or claims. If you are a teen driver, one of the main factors in determining your rates is your age.

Age of Car

Older cars have a lower repair cost and replacement value than new cars. For this reason, used car insurance typically costs less.


Where you live and drive your truck is also a critical factor in your insurance rates. Car insurance rates tend to be higher in more densely populated areas. In addition, if an area has higher repair costs and medical care costs, the car insurance rates will be more than an area with lower prices.

Eligibility for Discounts

While many factors affecting your car insurance rates are out of your control, you can probably find some discounts to reduce what you pay. Insurers offer discounts for many drivers, including good students, those with good driving records, and those who drive fewer miles. Other discounts are available to everyone, such as enrolling in electronic billing, paying your insurance in advance, or completing a driver training program.

Each insurance company uses its own algorithm to determine your insurance rates. It is essential to get multiple quotes so you can see all your options. It helps to research to compare rates and coverage options.

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How do Ford F-150 insurance rates vary by age?

Age is a significant consideration for insurers in determining what to charge for coverage. The following table shows the difference in rates for specific age groups.

FORD F-150 Rates by Age
Age Rate
Teen Driver $4,832
20 $2,997
30 $1,380
40 $1,322
50 $1,206
60 $1,181

Insurance companies charge considerably higher rates for teen drivers as compared to other drivers. Teen drivers are thought to be at a higher risk due to a lack of experience, and they have a greater chance of getting into an accident. In addition, younger drivers are more likely to have poor driving habits and make reckless decisions while driving. Distracted driving is another problem associated with young drivers. Distracted driving involves not just texting but also eating or drinking, talking to friends, and searching for objects on the road.

Teen drivers can save money on their policies by taking advantage of discounts that require them to complete a safety course and use a tracking app while driving. Other reductions may be available for maintaining good grades. Some insurers offer discounts for teens if they have certain safety features on their vehicles.

Final Thoughts on Ford F-150 Raptor Insurance

Although Ford F-150 insurance costs $197 less per year than the average vehicle, it’s still important to shop around to find the right coverage without breaking your budget. You can save money by taking advantage of discounts offered by insurers.

After reading this article, you now have the basic information to help you focus your search for truck insurance.