2013 Ford F150 Car Insurance Calculator

Explore and understand how different factors impact the insurance cost for a 2013 Ford F150. Customize rate factors like F150 trim level, driving record, policy coverages, and annual miles driven. Instantly see if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2013 Ford F150 is $1,460 per year, or about $122 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,460

Cost Per Month

$122

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ford F150 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Ford F150.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,460
Average Rate
Your Rate
$1,460

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Ford F150 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Ford F150 is $1,460.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Ford F150 vs. the Large Truck Segment

The table below compares insurance rates for the 2013 Ford F150 against all other models in the large truck segment. The Ford F150 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ford F150, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ford F150.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Ford F150 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ram Tradesman$1,214-$246
2Ford F150$1,460--
2013 Large Truck Average$1,520$60
3Chevrolet Silverado$1,526$66
4Chevrolet Avalanche$1,564$104
5GMC Sierra$1,578$118
6Nissan Titan$1,582$122
7Toyota Tundra$1,600$140
8Ram Truck$1,632$172

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 F150 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Ford F150.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Ford F150 Insurance Rates by Trim Level
2013 Ford F150 Trim Level Annual Premium Cost Per Month
XL Regular Cab 2WD$1,246$104
STX Regular Cab 2WD$1,312$109
XL Super Cab 2WD$1,312$109
STX Super Cab 2WD$1,352$113
XLT Regular Cab 2WD$1,352$113
XL Regular Cab 4WD$1,366$114
XL Crew Cab 2WD$1,392$116
XLT Super Cab 2WD$1,392$116
STX Regular Cab 4WD$1,404$117
XL Super Cab 4WD$1,404$117
XLT Regular Cab 4WD$1,404$117
FX2 Super Cab 2WD$1,446$121
Lariat Super Cab 2WD$1,446$121
XLT Crew Cab 2WD$1,446$121
STX Super Cab 4WD$1,458$122
XL Crew Cab 4WD$1,458$122
XLT Super Cab 4WD$1,458$122
FX2 Crew Cab 2WD$1,484$124
Lariat Crew Cab 2WD$1,484$124
FX4 Super Cab 4WD$1,498$125
Lariat Super Cab 4WD$1,498$125
XLT Crew Cab 4WD$1,498$125
Lariat King Ranch 2WD$1,524$127
FX4 Crew Cab 4WD$1,538$128
Lariat Crew Cab 4WD$1,538$128
SVT Super Cab Raptor 4WD$1,538$128
Lariat Crew Cab Platinum Edition 2WD$1,566$131
Limited Super Cab 2WD$1,566$131
Lariat Crew Cab Platinum Edition 4WD$1,578$132
Lariat King Ranch 4WD$1,578$132
SVT Crew Cab Raptor 4WD$1,578$132
Limited Super Cab 4WD$1,618$135

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Ford F150 for different driver ages.

2013 Ford F150 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,423$452
17$5,179$432
18$4,498$375
19$4,148$346
20$3,141$262
21$2,994$250
22$2,657$221
23$2,229$186
24$2,084$174
25$1,688$141
30$1,540$128
35$1,506$126
40$1,460$122
45$1,376$115
50$1,310$109
55$1,224$102
60$1,226$102
65$1,302$109
70$1,438$120
75$1,728$144
80$2,138$178

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ford F150 trim levels.