Rising auto insurance costs have become a major factor in vehicle ownership, with many drivers weighing premiums just as heavily as fuel efficiency or reliability. Fortunately for truck shoppers, the Ford F-150 remains one of the cheapest pickups to insure in 2025, according to new data from Mercury Insurance.

The F-150 continues to deliver exceptional value, joining models such as the Ford Ranger, Ford Maverick, and Ford Super Duty F-350 on Mercury’s list of the lowest-cost trucks and SUVs to insure. These rankings are based on repair costs, claims history, and safety performance, highlighting the F-150’s reputation for dependability and practicality.

This recognition is not new—last year, a study from Insurify revealed that the Ford F-150 was 11 percent cheaper to insure than the U.S. average. Annual full-coverage premiums averaged $2,069 USD compared to $2,329 USD across all vehicles. Even better, its all-electric counterpart, the Ford F-150 Lightning, also made the list of the lowest-cost EVs to insure in 2025, proving that Ford trucks continue to combine capability with value.

With rising insurance rates affecting every driver, vehicles like the Ford F-150 offer peace of mind by keeping ownership costs manageable. Combined with its best-in-class capability, wide range of trims, and modern tech, the F-150 remains a smart choice for anyone looking to balance utility, performance, and affordability.