2016 Ford F150 Car Insurance Calculator

Discover and learn how different driver, vehicle, and coverage options impact the cost of insurance for a 2016 Ford F150. Modify options like your location, homeowner status, and credit score to get insights on how rates change. Immediately see how changes you make impact the rate.

The average estimated car insurance premium for a 2016 Ford F150 is $1,646 per year, or about $137 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

$1,646

Cost Per Month

$137

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 2016 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.

$1,646
Average Rate
Your Rate
$1,646

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 2016 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 2016 Ford F150 is $1,646.

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.

2016 Ford F150 vs. the Large Truck Segment

The table below compares insurance rates for the 2016 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.

2016 Ford F150 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$1,646--
2Nissan Titan$1,746$100
2016 Large Truck Average$1,809$163
3Toyota Tundra$1,814$168
4Chevrolet Silverado$1,866$220
5Ram Truck$1,878$232
6GMC Sierra$1,906$260

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.

2016 F150 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Ford F150 Insurance Rates by Trim Level
2016 Ford F150 Trim Level Annual Premium Cost Per Month
XL Regular Cab 4WD$1,458$122
XL Regular Cab 2WD$1,476$123
XL Super Cab 4WD$1,522$127
XLT Regular Cab 4WD$1,522$127
XL Crew Cab 4WD$1,570$131
XLT Super Cab 4WD$1,570$131
XL Crew Cab 2WD$1,574$131
XL Super Cab 2WD$1,574$131
XLT Regular Cab 2WD$1,574$131
Lariat Super Cab 4WD$1,618$135
XLT Crew Cab 4WD$1,618$135
XLT Super Cab 2WD$1,636$136
Lariat Crew Cab 4WD$1,668$139
Lariat Super Cab 2WD$1,686$141
XLT Crew Cab 2WD$1,686$141
Lariat King Ranch 4WD$1,714$143
Lariat Crew Cab 2WD$1,734$145
Lariat Crew Cab Platinum Edition 4WD$1,764$147
Lariat King Ranch 2WD$1,782$149
Limited Crew Cab 4WD$1,812$151
Lariat Crew Cab Platinum Edition 2WD$1,830$153
Limited Crew Cab 2WD$1,880$157

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 2016 Ford F150 for different driver ages.

2016 Ford F150 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,055$505
17$5,821$485
18$5,135$428
19$4,701$392
20$3,571$298
21$3,402$284
22$3,033$253
23$2,512$209
24$2,360$197
25$1,910$159
30$1,748$146
35$1,694$141
40$1,646$137
45$1,548$129
50$1,470$123
55$1,374$115
60$1,378$115
65$1,468$122
70$1,602$134
75$1,914$160
80$2,370$198

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.