Ford F-150 Insurance Cost in Oregon
Official 2026 rate study for insuring a Ford F-150 in Oregon (OR). Compare full coverage against state minimum liability (25/50/20), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Ford F-150 in Oregon (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Oregon Auto Insurance Index)
Ford F-150 Rates by Model Year in Oregon
Depreciation schedule calculated for Oregon insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,439 | $120/mo | $50/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,385 | $115/mo | $51/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,334 | $111/mo | $51/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,287 | $107/mo | $52/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,242 | $104/mo | $52/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,201 | $100/mo | $53/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,162 | $97/mo | $53/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,126 | $94/mo | $54/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,092 | $91/mo | $54/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,060 | $88/mo | $55/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,030 | $86/mo | $55/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,003 | $84/mo | $56/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $977 | $81/mo | $56/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $953 | $79/mo | $57/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $930 | $78/mo | $57/mo | -35% | Consider 10% Rule (Liability Only) |
Ford F-150 Rates by Driver Age in Oregon
Actuarial loss-cost surcharges and discounts applied by Oregon carriers based on driver experience.
Estimated Quotes by Carrier: Ford F-150 in Oregon
Sample underwriting benchmarks across major carriers serving Oregon drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $130/mo | $1,560/yr | |
| Progressive | A+ | $122/mo | $1,464/yr | |
| GEICO | A++ | $109/mo | $1,308/yr | |
| Allstate | A+ | $121/mo | $1,452/yr |
Frequently Asked Questions: Ford F-150 Insurance in Oregon
How much does it cost to insure a Ford F-150 in Oregon? ▾
Full-coverage car insurance for a Ford F-150 in Oregon averages approximately $120 per month ($1,439 per year). Drivers opting for statutory state minimum liability (25/50/20) pay approximately $50 per month ($604 per year).
Is Ford F-150 insurance cheaper or more expensive in Oregon? ▾
The Ford F-150 is approximately 19.6% cheaper than the statewide average vehicle insurance rate of $1,790/year in Oregon. 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 Oregon? ▾
Under Oregon 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 $20,000 property damage liability (25/50/20), plus mandatory Personal Injury Protection (PIP) of at least $15,000.
How much does a 16-year-old pay to insure a Ford F-150 in Oregon? ▾
A 16-year-old teen driver on a standalone policy pays approximately $300/month ($3,598/year) for full coverage in Oregon. 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 Oregon? ▾
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 Oregon, 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.