Ford F-150 Insurance Cost in Virginia
Official 2026 rate study for insuring a Ford F-150 in Virginia (VA). Compare full coverage against state minimum liability (30/60/20), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Ford F-150 in Virginia (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Virginia Auto Insurance Index)
Ford F-150 Rates by Model Year in Virginia
Depreciation schedule calculated for Virginia insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,294 | $108/mo | $45/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,245 | $104/mo | $46/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,200 | $100/mo | $46/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,157 | $96/mo | $47/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,117 | $93/mo | $47/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,080 | $90/mo | $48/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,045 | $87/mo | $48/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,012 | $84/mo | $48/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $982 | $82/mo | $49/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $953 | $79/mo | $49/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $926 | $77/mo | $50/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $902 | $75/mo | $50/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $878 | $73/mo | $51/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $856 | $71/mo | $51/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $836 | $70/mo | $52/mo | -35% | Consider 10% Rule (Liability Only) |
Ford F-150 Rates by Driver Age in Virginia
Actuarial loss-cost surcharges and discounts applied by Virginia carriers based on driver experience.
Estimated Quotes by Carrier: Ford F-150 in Virginia
Sample underwriting benchmarks across major carriers serving Virginia drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $100/mo | $1,200/yr | |
| Progressive | A+ | $97/mo | $1,164/yr | |
| GEICO | A++ | $105/mo | $1,260/yr | |
| Allstate | A+ | $107/mo | $1,284/yr |
Frequently Asked Questions: Ford F-150 Insurance in Virginia
How much does it cost to insure a Ford F-150 in Virginia? ▾
Full-coverage car insurance for a Ford F-150 in Virginia averages approximately $108 per month ($1,294 per year). Drivers opting for statutory state minimum liability (30/60/20) pay approximately $45 per month ($543 per year).
Is Ford F-150 insurance cheaper or more expensive in Virginia? ▾
The Ford F-150 is approximately 19.6% cheaper than the statewide average vehicle insurance rate of $1,610/year in Virginia. 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 Virginia? ▾
Under Virginia insurance statutes, any motor vehicle registered in the state must carry at least $30,000 bodily injury per person, $60,000 bodily injury per accident, and $20,000 property damage liability (30/60/20).
How much does a 16-year-old pay to insure a Ford F-150 in Virginia? ▾
A 16-year-old teen driver on a standalone policy pays approximately $270/month ($3,235/year) for full coverage in Virginia. 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 Virginia? ▾
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 Virginia, 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.