2022 Ford F150 Car Insurance Calculator

Explore and understand how decisions you make affect car insurance rates for a 2022 Ford F150. Modify choices like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see how the choices you make impact rates.

The average estimated car insurance premium for a 2022 Ford F150 is $2,066 per year, or about $172 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

$2,066

Cost Per Month

$172

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 2022 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.

$2,066
Average Rate
Your Rate
$2,066

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 2022 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 2022 Ford F150 is $2,066.

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.

2022 Ford F150 vs. the Large Truck Segment

The table below compares insurance rates for the 2022 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.

2022 Ford F150 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford F150$2,066--
2GMC Sierra$2,178$112
3Nissan Titan$2,256$190
4Chevrolet Silverado$2,296$230
5Toyota Tundra$2,304$238
2022 Large Truck Average$2,323$257
6Ram Truck$2,438$372
7GMC Hummer EV Pickup$2,722$656

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.

2022 F150 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Ford F150 Insurance Rates by Trim Level
2022 Ford F150 Trim Level Annual Premium Cost Per Month
XL Regular Cab 4WD$1,782$149
XL Super Cab 4WD$1,854$155
XLT Regular Cab 4WD$1,882$157
Lightning Pro$1,900$158
XL SuperCrew 4WD$1,908$159
XL Regular Cab$1,918$160
XLT Super Cab 4WD$1,922$160
XLT SuperCrew 4WD$1,948$162
Lariat Super Cab 4WD$1,990$166
XL Super Cab$2,006$167
Lariat SuperCrew 4WD$2,010$168
Tremor SuperCrew 4WD$2,030$169
Lightning XLT$2,030$169
XLT Regular Cab$2,042$170
Lightning XLT Premium$2,056$171
XL SuperCrew$2,068$172
King Ranch SuperCrew 4WD$2,072$173
XLT Super Cab$2,088$174
Platinum SuperCrew 4WD$2,090$174
Raptor SuperCrew 4WD$2,112$176
Lightning Lariat$2,112$176
XLT SuperCrew$2,122$177
Lightning Lariat Premium$2,160$180
Lariat Super Cab$2,170$181
Lightning Platinum$2,190$183
Lariat SuperCrew$2,194$183
Tremor SuperCrew$2,214$185
King Ranch SuperCrew$2,262$189
Platinum SuperCrew$2,282$190
Raptor SuperCrew$2,310$193
Limited SuperCrew$2,350$196

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 2022 Ford F150 for different driver ages.

2022 Ford F150 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,414$618
17$7,153$596
18$6,363$530
19$5,815$485
20$4,444$370
21$4,241$353
22$3,790$316
23$3,132$261
24$2,953$246
25$2,398$200
30$2,200$183
35$2,126$177
40$2,066$172
45$1,934$161
50$1,838$153
55$1,714$143
60$1,718$143
65$1,828$152
70$1,982$165
75$2,346$196
80$2,888$241

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.