Vehicle Choice Driving Premium Savings
Key Questions
Why is the Ford F-150 cheaper to insure than average?
The Ford F-150 costs 11% below the national average at $2,069 versus $2,329, partly due to older models and strong IIHS safety awards.
How much can New York drivers save on Ford F-150 insurance?
New York drivers can see up to 38% savings on Ford F-150 insurance premiums compared to national figures.
What vehicle choices help reduce insurance costs overall?
Selecting lower-value vehicles equipped with strong safety features, combined with telematics programs, can further cut premiums amid rising rates.
Ford F-150 11% below national avg ($2069 vs $2329) due to older models and IIHS awards; NY sees 38% savings. Extends to F-150 Lightning 2026 costs vs gas models with EV-specific reduction tactics. Reinforces choosing lower-value, safety-equipped vehicles plus layering telematics.
Sources (2)
Updated May 20, 2026