Ford F-150 Insurance Cost in Colorado
Official 2026 rate study for insuring a Ford F-150 in Colorado (CO). Compare full coverage against state minimum liability (25/50/15), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Ford F-150 in Colorado (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Colorado Auto Insurance Index)
Ford F-150 Rates by Model Year in Colorado
Depreciation schedule calculated for Colorado insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,914 | $160/mo | $67/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,842 | $154/mo | $68/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,774 | $148/mo | $68/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,711 | $143/mo | $69/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,652 | $138/mo | $70/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,597 | $133/mo | $70/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,546 | $129/mo | $71/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,497 | $125/mo | $72/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,452 | $121/mo | $72/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,410 | $118/mo | $73/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,371 | $114/mo | $74/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,334 | $111/mo | $74/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,300 | $108/mo | $75/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,267 | $106/mo | $76/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,237 | $103/mo | $76/mo | -35% | Consider 10% Rule (Liability Only) |
Ford F-150 Rates by Driver Age in Colorado
Actuarial loss-cost surcharges and discounts applied by Colorado carriers based on driver experience.
Estimated Quotes by Carrier: Ford F-150 in Colorado
Sample underwriting benchmarks across major carriers serving Colorado drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $146/mo | $1,752/yr | |
| Progressive | A+ | $166/mo | $1,992/yr | |
| GEICO | A++ | $165/mo | $1,980/yr | |
| Allstate | A+ | $149/mo | $1,788/yr |
Frequently Asked Questions: Ford F-150 Insurance in Colorado
How much does it cost to insure a Ford F-150 in Colorado? ▾
Full-coverage car insurance for a Ford F-150 in Colorado averages approximately $160 per month ($1,914 per year). Drivers opting for statutory state minimum liability (25/50/15) pay approximately $67 per month ($804 per year).
Is Ford F-150 insurance cheaper or more expensive in Colorado? ▾
The Ford F-150 is approximately 19.6% cheaper than the statewide average vehicle insurance rate of $2,380/year in Colorado. Its Moderate actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Ford F-150 in Colorado? ▾
Under Colorado insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage liability (25/50/15).
How much does a 16-year-old pay to insure a Ford F-150 in Colorado? ▾
A 16-year-old teen driver on a standalone policy pays approximately $399/month ($4,785/year) for full coverage in Colorado. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Ford F-150 in Colorado? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Colorado, this typically occurs around model year 2018 or older.
Compare Ford F-150 Insurance Across Other States
See how insurance rates for the Ford F-150 vary across different state statutory jurisdictions.