Ford F-150 Insurance Cost in Pennsylvania
Official 2026 rate study for insuring a Ford F-150 in Pennsylvania (PA). Compare full coverage against state minimum liability (15/30/5), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Ford F-150 in Pennsylvania (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Pennsylvania Auto Insurance Index)
Ford F-150 Rates by Model Year in Pennsylvania
Depreciation schedule calculated for Pennsylvania insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,576 | $131/mo | $55/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,517 | $126/mo | $56/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,461 | $122/mo | $56/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,409 | $117/mo | $57/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,361 | $113/mo | $57/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,315 | $110/mo | $58/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,273 | $106/mo | $59/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,233 | $103/mo | $59/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,196 | $100/mo | $60/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,161 | $97/mo | $60/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,129 | $94/mo | $61/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,098 | $92/mo | $61/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,070 | $89/mo | $62/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,044 | $87/mo | $62/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,019 | $85/mo | $63/mo | -35% | Consider 10% Rule (Liability Only) |
Ford F-150 Rates by Driver Age in Pennsylvania
Actuarial loss-cost surcharges and discounts applied by Pennsylvania carriers based on driver experience.
Estimated Quotes by Carrier: Ford F-150 in Pennsylvania
Sample underwriting benchmarks across major carriers serving Pennsylvania drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $143/mo | $1,716/yr | |
| Progressive | A+ | $123/mo | $1,476/yr | |
| GEICO | A++ | $132/mo | $1,584/yr | |
| Allstate | A+ | $131/mo | $1,572/yr |
Frequently Asked Questions: Ford F-150 Insurance in Pennsylvania
How much does it cost to insure a Ford F-150 in Pennsylvania? ▾
Full-coverage car insurance for a Ford F-150 in Pennsylvania averages approximately $131 per month ($1,576 per year). Drivers opting for statutory state minimum liability (15/30/5) pay approximately $55 per month ($662 per year).
Is Ford F-150 insurance cheaper or more expensive in Pennsylvania? ▾
The Ford F-150 is approximately 19.6% cheaper than the statewide average vehicle insurance rate of $1,960/year in Pennsylvania. 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 Pennsylvania? ▾
Under Pennsylvania insurance statutes, any motor vehicle registered in the state must carry at least $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage liability (15/30/5), plus mandatory Personal Injury Protection (PIP) of at least $5,000.
How much does a 16-year-old pay to insure a Ford F-150 in Pennsylvania? ▾
A 16-year-old teen driver on a standalone policy pays approximately $328/month ($3,940/year) for full coverage in Pennsylvania. 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 Pennsylvania? ▾
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 Pennsylvania, 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.