2021 Ford F-150 Insurance Cost
The 2021 Ford F-150 averages $1,510/yr in annual insurance premiums. At 5 years old, this full-size truck costs $270 less than the model's overall average of $1,780/yr.
Quote My 2021 F-150$1,510/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
High
Theft Risk
Full-size Truck
Body Type
5 years old
Vehicle Age
Insurance Tips for Your 2021 Ford F-150
At 5 years old, the 2021 F-150 has depreciated enough that you might consider dropping comprehensive coverage if the car's value is low — but check your loan requirements first.
The F-150 has a high theft risk. Installing an anti-theft device or GPS tracker can qualify you for a 5-15% discount on comprehensive coverage.
With a 5/5 NHTSA safety rating, ask your insurer about safety feature discounts — many carriers offer 5-10% off for vehicles with advanced driver assistance systems.
Bundle your auto and home (or renters) insurance to save 10-25% on both policies.
Compare quotes from at least 3-5 carriers. Rates for the same vehicle can vary by $500+ between companies.
Frequently Asked Questions
How much does 2021 Ford F-150 insurance cost?
A 2021 Ford F-150 costs an average of $1,510/yr to insure. This is $270 less than the model's overall average of $1,780/yr because older vehicles have lower replacement values.
Is the 2021 Ford F-150 safe?
The Ford F-150 carries a 5/5 NHTSA safety rating. While this model year may lack some newer safety technologies, it still offers solid crash protection.
Should I get full coverage on a 2021 Ford F-150?
It depends on your car's current value. A 5 years old F-150 has depreciated but may still be worth protecting with full coverage, especially if you have a loan.
Why is 2021 Ford F-150 insurance cheaper than average?
Older vehicles are cheaper to insure because they've depreciated significantly. The lower replacement value means insurers pay out less on total loss claims.
How can I save on my 2021 Ford F-150 insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), raise your deductible to $1,000, maintain a clean driving record, bundle policies, and take advantage of discounts for safety features, low mileage, or good student status.
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