2020 Ford F-150 Insurance New York: Costly $3,154 Gap

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Three carriers. One driver. A $3,154 gap.

IRG pulled quotes on April 19, 2026 for a 25-year-old married male in Manhattan with a financed 2020 Ford F-150 XLT. GEICO returned a six-month premium of $1,236.40. Progressive quoted $1,338.00. Liberty Mutual came in at $4,390.00. Same driver. Same truck. Same coverage limits on every quote.

The spread holds across identical 100/300 bodily injury limits, $100,000 property damage, and $500 deductibles on both comprehensive and collision. For 2020 Ford F-150 insurance in New York, carrier selection matters far more than most drivers expect. Two other carriers in the run (Travelers and Farmers) couldn’t produce online quotes for this profile. Details on each are in the carrier sections below.

The Driver Profile

All quotes cover a single driver profile. Rates will differ based on age, driving record, credit score, and ZIP code.

Age: 25
Gender: Male
Marital status: Married
Location: New York, NY 10001 (Manhattan)
Occupation: Auto Mechanic (full-time employed)
Years licensed: 9
Accidents in the last 3 years: None
Violations in the last 3 years: None
DUI history: None
Prior carrier: Amica Mutual, 8 years
Prior bodily injury limits: 25/50
Prior lapse in coverage: None
Homeowner: Yes
Spouse on policy: Yes (age 25)

The Coverage Package

Every quote used the same limits. Comparing premiums across different coverage levels tells you nothing useful.

Bodily Injury Liability: $100,000 per person / $300,000 per accident
Property Damage Liability: $100,000 per accident
Personal Injury Protection: $50,000 (New York statutory)
Uninsured Motorist: $25,000 / $50,000 (New York statutory)
Comprehensive deductible: $500
Collision deductible: $500
Vehicle: 2020 Ford F-150 XLT, financed through Ford Motor Credit
Annual mileage: 12,000
Primary use: Commute (8 miles each way)

New York is a no-fault state and requires Personal Injury Protection. The PIP minimum is $50,000, included in each quote. Uninsured Motorist coverage is also required. All three quotes used the statutory minimums for both coverages.

The Results

CARRIER	6-MONTH PREMIUM	MONTHLY	VS. LOWEST
GEICO	$1,236.40	$206.07	Baseline
Progressive	$1,338.00	$223.00	+$101.60
Liberty Mutual	$4,390.00	$731.67	+$3,153.60
Travelers	N/A	N/A	Not available online in NY
Farmers	N/A	N/A	Technical block, not quoted

Source: InsuranceRateGuard.com quote data, Q2 2026. Quotes pulled directly from each carrier’s website using the profile above.

GEICO came in lowest on this profile. Progressive was $101.60 more per six months. Liberty Mutual’s 12-month total of $8,780.00 is more than three times GEICO’s annual equivalent of $2,472.80. All three quotes reflect identical coverage and the same driver history.

GEICO

GEICO quoted $1,236.40 for six months on this profile ($206.07 per month). The quote used 100/300 bodily injury limits, $100,000 property damage, and $500 deductibles on both comprehensive and collision. GEICO’s DriveEasy telematics program was offered during the flow and declined, so the rate above reflects no telematics discount.

The DriveEasy program can lower rates for safe drivers, but it requires sharing driving data, which not every driver wants to do. GEICO is the largest auto insurer in New York by market share and typically prices well for drivers with long continuous coverage histories.

Eight years with Amica Mutual and no incidents likely worked in this profile’s favor.

Liberty Mutual

Liberty Mutual quoted $4,390.00 for six months, or $8,780.00 for a full year. That works out to $731.67 per month, more than three times what GEICO quoted. The LM quote included seven discounts, among them a Violation Free Discount, Anti-Theft Device, Paperless Policy, and Preferred Payment discount.

Even with those reductions applied, the premium was the highest in this run by a wide margin. Liberty Mutual’s RightTrack telematics program was also presented during the quote flow. Per this site’s standard methodology, telematics programs are declined in all quote runs to keep comparisons consistent.

The LM quote used the same 100/300 BI, $100,000 PD, and $500/$500 deductibles as the GEICO and Progressive comparisons. The gap can’t be explained by coverage alone.

Travelers

Travelers doesn’t offer online auto insurance quoting in New York. The quote attempt returned a “ZIP Code not found” error when the 10001 ZIP was submitted. This is consistent with Travelers’ known exclusion of New York from its direct online quoting system.

New York drivers interested in Travelers coverage typically need to go through an independent agent. No premium is available for this profile.

Farmers

Farmers hit a technical block at the start of the quote flow and couldn’t be completed in this run. No premium is available. This is a known issue with the Farmers automated quoting system, and a manual retry in a clean browser session may produce a quote in a future run.

Progressive

Progressive quoted $1,338.00 for six months on this profile, or $223.00 per month. Paying in full saves $62, bringing the six-month total to $1,276.00. The quote used the same 100/300 bodily injury limits, $100,000 property damage, and $500 deductibles on both comprehensive and collision.

New York requires uninsured motorist coverage to track bodily injury limits at Progressive, so UM came in at 100/300 as well. Personal Injury Protection is included at the New York statutory $50,000 minimum. Progressive’s Snapshot telematics program was offered and declined, so the rate reflects no telematics discount.

Progressive’s 2020 Ford F-150 insurance rate came in $101.60 per six months above GEICO on this profile. That’s a meaningful difference across a year but nowhere near the gap with Liberty Mutual. Drivers who’ve seen higher GEICO quotes due to a specific incident or rating factor may find Progressive competitive, since the two carriers price risk differently on the same driver.

Why 2020 Ford F-150 Insurance Rates Run High in New York

New York consistently produces some of the highest auto insurance rates in the country, and Manhattan ZIP codes often sit at the top even within the state. 2020 Ford F-150 insurance in ZIP 10001 stacks every cost factor at once: urban density, high vehicle value, a financing requirement, and a young driver.

Claim frequency in New York City runs substantially higher than in most other states. Dense traffic, higher theft rates, and more uninsured drivers all push base rates up. The Insurance Information Institute consistently ranks New York among the top five most expensive states for auto insurance.

The state’s no-fault system adds another layer. Insurers must pay PIP claims regardless of fault, which increases loss exposure on every policy. That cost gets priced into every premium in the state.

The 2020 Ford F-150 adds its own cost pressure. Full-size trucks carry higher replacement costs than sedans, and the F-150 is the best-selling vehicle in the United States, which means more claims data and more theft. A financed truck also requires comprehensive and collision coverage, which adds to the base premium compared to a liability-only policy on an older vehicle.

A 25-year-old driver is statistically among the most expensive to insure. Crash rates among drivers under 26 are higher than any other age group, per the Insurance Research Council. Even with a clean record, the youth factor is priced in. The married status and long prior carrier history with Amica Mutual likely offset some of that risk, since carriers treat continuous coverage as a signal of a lower-risk policyholder. For more on how this data affects your rate, see our car insurance rates by state guide.

The $3,154 gap in 2020 Ford F-150 insurance between GEICO and Liberty Mutual is the headline number, but the $101.60 per six months between GEICO and Progressive is just as instructive. Both are national carriers with strong claims operations, yet they priced the same driver $203.20 apart annually. Progressive landed in the middle on this profile, well below Liberty Mutual and within reach of GEICO.

Carrier rates depend heavily on internal loss data for a given ZIP, vehicle class, and driver profile. A 40-year-old in a different ZIP might see a completely different ranking. That’s why comparing carriers on the same profile is the only reliable method. For a broader look at how vehicle type affects your premium, see our car insurance rates by vehicle type article.

How to Save on Insurance

Five moves work for almost every driver.

Quote three to five carriers every 12 months. GEICO, Progressive, State Farm, Allstate, and either Farmers or Nationwide should always be on the list. Add USAA if you qualify.
Bundle home and auto with the same carrier. Most major carriers offer a meaningful bundle discount, often in the double digits in percentage terms.
Raise your deductibles. Going from $500 to $1,000 on collision and comprehensive often produces a noticeable reduction. Keep the deductible cash on hand.
Ask about every discount. Defensive driver, multi-car, paid-in-full, paperless billing, good student, low-mileage, and homeowner discounts stack faster than most drivers expect.
Use a usage-based program. Snapshot, Drivewise, SmartRide, and Drive Safe & Save reward smooth driving with meaningful savings for the right driver profile.

Sources Used

NAIC, 2023 Auto Insurance Database Average Premium Supplement: content.naic.org
Insurance Information Institute, Facts + Statistics: Auto insurance: iii.org
InsuranceRateGuard.com, 2026 quote runs across major U.S. auto carriers.

Fact-checked: 2026-05-16

The Driver Profile

The Coverage Package

The Results

GEICO

Liberty Mutual

Travelers

Farmers

Progressive

Why 2020 Ford F-150 Insurance Rates Run High in New York

How to Save on Insurance

Sources Used

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Related

2020 Ford F-150 Insurance New York: Costly $3,154 Gap

The Driver Profile

The Coverage Package

The Results

GEICO

Liberty Mutual

Travelers

Farmers

Progressive

Why 2020 Ford F-150 Insurance Rates Run High in New York

How to Save on Insurance

Sources Used

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Like this:

Related

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