Ford F-150 Insurance Costs: Everything You Need to Know if You’ve Had a Recent Accident

It depends on a lot more than you think. There is the age of the vehicle, its condition and of course the brand. However, what really affects your pricing depends on you. For example, do you have a clean slate, or have you had an accident recently? So, how much does it cost to insure an F-150 after a recent accident?

The cost of insuring the F-150 is surprisingly cheap

Reports indicate that, in general, Ford is actually one of the cheaper brands when it comes to getting car insurance. In fact, you’re looking at an average of about $1,835 per year, or $152.92 per month. This isn’t a bad rate for a new car, though you need to keep in mind that this is in addition to your car payments.

It’s probably the worst part about owning an F-150. If your credit score is considered less than stellar, you’re looking at $3,024 per year, or $252 per month. That’s an increase of $105.33.

When it comes to age, 17-year-olds can expect to pay $6,214 a year if they’re good drivers, $9,124 if they’ve been in an accident recently, and $10,674 if they have poor credit.

A 55-year-old with a good driving record pays the least for a Ford F-150. Their rates will be $1,637. Those rates start to rise again as we age, and at age 75, rates are back up to $2,156, even with a good driving record.

Your driving record can be affected by many factors

You have a great deal of control over your insurance rate, given enough time. There are several things a potential insurance agent will want to know when giving you a quote. This can include things like your age, driving record, and even your credit rating.

Age is a major factor when determining insurance rates. This is especially true for new drivers. They easily pay the most due to the fact that they are more likely to get into an accident. Interestingly, however, rates begin to rise again after the age of 55.

If you are, your pricing will go over the line, and there’s nothing you can do about it. If your teen is in a wreck, the insurance rates may be too much.

Poor credit ratings can affect your insurance rates. According to, “The average National Insurance Total Auto Coverage premium for drivers with excellent credit is $1,487 annually. For drivers with bad credit, the average annual premium jumps to $3,873, a difference of 160%.

Another area that can greatly affect your insurance rates is car accidents.

Accidents can greatly increase your insurance rate

Ford F-150 | Bill Bogliano via Getty Images

It is a quick way to dramatically increase your insurance rates. It is easy to assume that this depends on who is at fault, but this is not always the case. Your rates can soar to new heights no matter what goes wrong. However, if you get the ticket, you can expect to pay more for your insurance than you did a few days ago.

Once you increase your prices, they won’t go down anytime soon. In fact, it may take three to five years for it to decrease. Switching to another insurance company may lower your rates, but there is no guarantee of this.

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