How much is Ford F-150 insurance in Texas?
For the driver profile in our methodology, a 2024 Ford F-150 costs between $47/mo at the state minimum and $368/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $47 – $78 | $564 – $936 |
| Liability Only | Higher limits; still nothing for your car | $79 – $131 | $948 – $1,572 |
| Full CoverageMost ownersYou’re viewing this tier | Adds damage to your F-150, theft, glass | $187 – $312 | $2,244 – $3,744 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $221 – $368 | $2,652 – $4,416 |
What full coverage includes
- All liability coverages at recommended limits (above the state's 30/60/25 minimum)
- Comprehensive: theft, hail, vandalism, fire, animal strike
- Collision: your F-150 in any at-fault crash
- Standard $500 deductible on both comprehensive and collision
- Uninsured/Underinsured Motorist coverage
What Texas requires to drive a F-150
Texas lists 30/60/25 as the liability floor. That is what makes a F-150 legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 30/60/25
- Fault system
- Texas is a tort (at-fault) state — the driver who causes a crash is who liability pays for.
- PIP
- PIP is not a required minimum in this state.
- Uninsured motorist in the minimum
- UM/UIM is not listed as part of the state minimum in our registry — it is typically added, not assumed.
- Credit scoring
- Texas allows credit-based insurance scoring — a change in the score carriers use can move a quote.
F-150 insurance cost by model year
Newer models cost more to insure — a 2024 F-150 runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $187 – $312 | $79 – $131 | — |
| 2023 | $178 – $296 | $78 – $130 | −5% |
| 2022 | $170 – $284 | $77 – $128 | −9% |
| 2021 | $163 – $271 | $76 – $126 | −13% |
| 2020 | $155 – $259 | $74 – $123 | −17% |
F-150 vs. comparable vehicles
How the F-150 stacks up against the vehicles shoppers most often cross-shop it with — the Toyota Tundra insures for about 10% less in Texas. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. F-150 | Why it differs |
|---|---|---|---|
| Ford F-150 | $187 – $312 | — | Above-average claim severity |
| Chevrolet Silverado 1500 | $187 – $312 | — | Silverado's loss profile is nearly identical — both sit top-10 for theft. |
| Ram 1500 | $187 – $312 | — | Ram's air-suspension trims raise repair severity slightly. |
| Toyota Tundra | $167 – $278 | −10% | Tundra ducks the theft list but repairs pricier per claim. |
F-150 insurance cost by Texas city
Houston drivers pay about 18% above the state average while El Paso runs 10% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. TX average |
|---|---|---|
| Houston | $221 – $368 | +18% |
| Dallas | $213 – $356 | +14% |
| San Antonio | $194 – $324 | +4% |
| Austin | $191 – $318 | +2% |
| El Paso | $168 – $281 | −10% |
Why F-150 insurance costs what it costs
Two Texas variables collide on this exact truck. Comprehensive losses statewide are driven harder by hail than by anything else, with DFW and Austin absorbing the worst of it seasonally, and an F-150's long hood, full-width roof, and open bed present more flat, unbroken sheet metal than almost anything else on the road. Layer on a national theft rank of 5, and comprehensive stops being the throwaway line on the declarations page — on this vehicle, in this state, it's doing the heaviest lifting in the policy.
The rate band reflects it: $187–$312 a month for full coverage, against $79–$131 for liability-only and just $47–$78 for state-minimum. That $108–$181 jump from liability to full isn't padding — it's underwriting a high-repair-tier vehicle (F-150 body panels aren't cheap to source or labor out) sitting in a top-five theft category, in a state that leads the country in hail claims. Drop the deductible from the standard $500 to $250 and the band shifts to $221–$368 — worth pricing out if you'd rather not eat $500 out of pocket the morning after a hailstorm.
Texas is an at-fault state with no PIP requirement and no no-fault system, so the 30/60/25 minimum liability underneath this policy exists only to pay the other driver — it does nothing for the F-150 itself. Comprehensive and collision are the coverages actually protecting the truck: one against hail and theft, the other against an at-fault wreck. Full coverage also bundles uninsured/underinsured motorist protection, which matters here specifically because Texas runs on fault, not no-fault — if an uninsured driver totals this truck, UM/UIM is often the faster path to recovery over suing them directly. One lever specific to this state: Texas permits credit-based insurance scoring, so a credit-score push can move this band more than shopping carriers alone.
None of this is theoretical risk-stacking. Hail and theft are the two exposures this exact pairing creates — Texas's nation-leading hail losses on one side, the F-150's top-five theft rank on the other. A paid-off, older work truck might justify dropping comprehensive and self-insuring the hail risk, but a 2024 model at this MSRP tier, financed or not, is exactly the profile full coverage was built to protect.
What the model knows about this F-150
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Rank #5On-list vehicles get a comprehensive surcharge in rates.ts.
- MSRP tier
- premiumReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- highClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is full coverage the right tier for you?
- Financed or leased 2024 F-150 owners — the lien holder's contract requires comprehensive and collision for as long as the loan runs, not just state-minimum liability.
- Anyone parking this truck outdoors in the DFW or Austin metros, where Texas's hail-loss lead concentrates and a full-size hood, roof, and bed are maximum exposed surface.
- Owners who'd genuinely feel a theft or total-loss claim, given the F-150's top-five theft rank and high-repair-tier parts — the exact risk profile this coverage was underwritten for.
- Someone driving a much older, paid-off F-150 well below this MSRP tier, where premiums start approaching the truck's actual cash value.
- Owners with a covered garage year-round and enough cash reserve to self-insure a hail or theft total loss without financial strain.
- Drivers deliberately trading protection for short-term savings by running liability-only ($79–$131) despite carrying a loan — a gap that puts the lender's collateral at risk, not just the driver.
$500 vs $250 deductible on a F-150
On a F-150 this model prices a $250 deductible at $34–$56/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverageYou’re viewing this tier | $500 | $187 – $312 | $2,244–$3,744 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $221 – $368 | $2,652–$4,416 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full coverage
These are typical market add-ons, not Texas mandates and not priced in our rate model. Confirm each line on a quote.
- Rental reimbursement
If this F-150 is your only car, a shop visit without a rental add-on is an out-of-pocket week.
Not automatic on full coverage. Typical market price cited elsewhere on this site is $5–15/mo — confirm on the quote, do not treat that as a filed TX rate.
- Loan/lease payoff (gap)
New or financed Ford F-150: actual cash value after a total loss can sit below the loan.
State law does not require gap. Lenders sometimes sell it at the dealership; price it against the same add-on on the auto policy.
- Roadside assistance
Useful on a pickup you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
- Medical payments (MedPay)
Texas does not require PIP, so MedPay is the usual small first-party medical add-on for occupants.
It is not a substitute for health insurance, and it is not required in this state.
Carriers that commonly quote Texas
These are carriers we have real logos for and that commonly quote Texas. We do not publish a per-carrier F-150 price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
State FarmBundling + agents
GEICOLowest base rate
ProgressiveSR-22 + tickets
How to lower your F-150 rate
- Raise your deductible to $1,000. On a F-150 premium this is the single biggest lever you control directly.Saves ~$20–$37/mo
- Shop at least three carriers. Rates for the identical F-150 profile differ by 2x or more between carriers in Texas.Saves up to $1,000+/yr
- Clean up billing. Paid-in-full, paperless, and autopay credits stack — small individually, real together, and none are applied unless you ask.Saves 3–8%
- Add an anti-theft device. The F-150 is on the NICB most-stolen list — a tracked immobilizer or kill switch earns a filed comprehensive credit with most carriers.Saves 3–10%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Texas Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Ford F-150 insurance in Texas: FAQ
01Why is my F-150 quote so much higher than the roughly $178 average I've seen for Texas full coverage?
That $178 figure is a statewide blended average across all vehicles. This truck's $187–$312 band runs above it because the F-150 carries a national theft rank of 5 and a high repair-cost tier, and it's registered in the state with the country's worst comprehensive hail losses — three cost drivers stacking on top of the state baseline.
02Does comprehensive actually pay for hail dents on the hood and bed panels?
Yes — this tier's comprehensive coverage explicitly includes hail alongside theft, vandalism, fire, and animal strikes, with the standard $500 deductible applying per claim. Given how exposed a full-size truck's flat panels are, this is the coverage most likely to get used in a given Texas storm season.
03Is it worth paying more for the lower-deductible version of full coverage?
The $250-deductible version runs $221–$368 versus $187–$312 for the standard $500 deductible — roughly $34–$56 more a month. If you're in a hail-prone metro like DFW or Austin and expect to file a comprehensive claim more than once every few years, the lower deductible often pays for itself.
04Texas isn't a no-fault state — do I really need full coverage beyond my liability limits?
Liability (30/60/25 minimum here) only pays the other driver; it does nothing for your own truck. Full coverage's collision and comprehensive protect the F-150 itself, and because Texas is a fault-based state rather than no-fault, recovering from an uninsured driver who hits you usually means suing them directly — the bundled uninsured/underinsured motorist coverage is what closes that gap without a lawsuit.
05Is full coverage required on a financed F-150 in Texas?
Typically yes, by contract — not by Texas statute. The state floor is 30/60/25. A lender can force-place a policy if you drop comprehensive or collision. This page models the $500-deductible stack at $187 – $312.
06What does Texas actually require to drive a F-150?
Texas lists 30/60/25 as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $187 – $312 for a 2024 Ford F-150.
