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 OnlyYou’re viewing this tier | Higher limits; still nothing for your car | $79 – $131 | $948 – $1,572 |
| Full CoverageMost owners | 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 liability only includes
- Bodily Injury Liability at 50/100 or 100/300 limits - well above Texas's 30/60/25 floor
- Property Damage Liability at $50K-$100K, sized for what a full-size truck can do in a collision
- Optional Uninsured/Underinsured Motorist coverage
- Optional Medical Payments coverage
- No comprehensive or collision - theft, hail, and vandalism to the F-150 itself go uncovered
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
Texas's liability floor is 30/60/25 - $30,000 per injured person, $60,000 per accident, $25,000 in property damage - a limit that might hold up behind the wheel of a compact sedan. Behind an F-150, Ford's best-selling truck and one that sits in its highest repair-cost tier, that $25,000 property-damage number disappears fast: total a single newer vehicle, or clip two or three cars in a pileup, and you're personally exposed for the rest. This tier's value is the step up to 50/100 or 100/300 bodily injury and $50,000-$100,000 property damage - limits sized for what an F-150-caused wreck can actually cost a claimant, with still nothing paid toward the truck itself.
That gap matters more here than on almost any other vehicle in this state. This F-150 carries a theft rank of 5 - one of the five most-targeted vehicles in the country - and it's titled in the one state that leads the nation in hail-claim losses, worst in the DFW and Austin metros. Liability-only shields against neither: nothing pays out if the truck disappears from the driveway, nothing if a spring hailstorm craters the hood and roof. This tier insures what an F-150 can do to someone else's car, not what a Texas theft ring or a Texas sky is statistically likely to do to it.
The math sharpens the tradeoff. Minimum liability on this F-150 runs $47-$78 a month; this tier's higher limits cost $79-$131 - $30-$50 more to meaningfully widen the liability cushion, and still well under the state's $178 average full-coverage premium. Full coverage jumps to $187-$312, and low-deductible full coverage to $221-$368, pricing in both the high cost of parts and labor on a full-size Ford and the comprehensive exposure this tier skips entirely. Texas also permits credit-based insurance scoring, so within the $79-$131 band, cleaning up credit history before shopping is one of the few levers that can move the quote without touching a single coverage limit.
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 liability only the right tier for you?
- Owners who've paid off the F-150 and are confident its market value doesn't justify comp/collision premiums, but still want limits sized above Texas's thin 30/60/25 floor before a full-size truck causes real damage
- Drivers who tow trailers or haul equipment for work in Texas, where a loaded truck's at-fault claim can blow past the state's $25,000 property-damage minimum fast
- Drivers with strong credit - which Texas insurers are allowed to price on - who are deliberately self-insuring theft and hail risk on a garage-kept truck outside the DFW/Austin hail belt
- Anyone still financing or leasing the F-150 - the lender's contract requires comprehensive and collision, making this tier a non-starter regardless of price
- DFW or Austin-area owners who park outdoors, where the state's worst-in-the-nation hail losses concentrate exactly there and this tier excludes every comprehensive claim
- Owners worried about theft - with the F-150 carrying a theft rank of 5, one of the five most-targeted vehicles nationally, skipping comprehensive means covering a stolen truck entirely out of pocket
$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 coverage | $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 liability coverage
These are typical market add-ons, not Texas mandates and not priced in our rate model. Confirm each line on a quote.
- 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
01If my F-150 gets stolen, does liability-only pay to replace it?
No. Even at this tier's higher limits ($79-$131/mo), liability-only pays only for injury and damage you cause to other people, never for your own vehicle. This F-150's theft rank of 5 - one of the five most-targeted vehicles in the country - makes that gap a real exposure. Only comprehensive coverage, which puts this truck in the $187-$312 full-coverage band, pays out if it's stolen.
02Is Texas's 30/60/25 minimum enough for a truck this size?
It's the legal floor, not a safe one. This F-150 sits in Ford's highest repair-cost tier, so a single at-fault collision can push property damage well past the $25,000 minimum. This tier moves you to 50/100 or 100/300 bodily injury and $50K-$100K property damage - still nothing for the truck itself, but a much wider buffer for what a full-size pickup can do to another vehicle.
03Will my credit score change what I pay at this level?
Yes. Texas is one of the states that allows credit-based insurance scoring, so within the $79-$131 range for this tier, credit history is one of the factors that decides where your quote lands. Cleaning up credit before shopping is worth doing before you compare quotes.
04Does Texas's hail problem matter if I'm only carrying liability?
Not to this policy - which is the point. Texas leads the nation in hail-claim losses, worst in the DFW and Austin metros, but that's a comprehensive-coverage claim. Liability-only, at any limit, pays nothing toward hail damage to the F-150's hood, roof, or glass.
05What extra do I get vs Texas minimum on a F-150?
Higher liability caps than 30/60/25. You still do not have comprehensive or collision. The modeled price for that middle tier is $79 – $131; full coverage on the same 2024 Ford F-150 is $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.
