Rates quoted June 18 to 20, 2026 for a 37-year-old female driver with a clean record in Dallas, TX (ZIP 75201). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.

2022 Ford F-150 Insurance Rates in Dallas, Texas

For a 37-year-old single woman in Dallas with a clean record, 2022 Ford F-150 insurance ranged from $1,027.00 to $2,782.38 for six months. Progressive came in lowest. State Farm came in highest, at more than double Progressive’s price on the same coverage. That’s a $1,755 gap for the same driver and the same truck.

Four carriers priced this 2022 Ford F-150 insurance profile. Progressive and GEICO landed within $156 of each other near the bottom. Travelers and State Farm sat well above them. The carrier you pick can swing your six-month bill by more than $1,700.

A spread like this is normal when you shop 2022 Ford F-150 insurance. Carriers weigh the same driver very differently, and the F-150 sits in a crowded underwriting category as the best-selling vehicle in the country. The company you land with can move your annual bill by well over a thousand dollars on the same truck.

The Driver Profile

These inputs went into every 2022 Ford F-150 insurance quote:

• Age: 37, female, single
• City: Dallas, TX (ZIP 75201)
• Driving record: Clean, with no accidents, violations, or claims in any reporting period
• Prior carrier: Progressive, with 100/300 bodily injury limits
• Prior coverage tenure: 10 years continuous, no lapse
• Years licensed: 21
• Homeowner: Yes

The Vehicle

• Year, make, model, trim: 2022 Ford F-150 XLT
• Ownership: Financed through Ford Motor Credit
• Estimated annual mileage: about 15,000 miles
• Primary use: Pleasure, not a daily commute

The Coverage Package

The same target limits were entered at every carrier to keep the comparison fair:

• Bodily injury liability: $100,000 per person / $300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist: $100,000 / $300,000
• Comprehensive deductible: $500
• Collision deductible: $500

The Rates

CARRIER	6-MONTH PREMIUM	MONTHLY	VS. LOWEST
Progressive	$1,027.00	$171.17	baseline
GEICO	$1,183.00	$197.17	+$156.00
Travelers	$1,813.50	$302.25	+$786.50
State Farm	$2,782.38	$463.73	+$1,755.38

Source: InsuranceRateGuard.com quote data, June 2026. Quotes pulled directly from each carrier’s website using the profile above. Travelers priced property damage at $50,000 rather than the $100,000 target, and its online quote locks that limit, so its true matched-coverage number would run a bit higher. All other limits match across carriers.

Carrier-by-Carrier Breakdown

Progressive priced this 2022 Ford F-150 insurance profile at $1,027.00 for six months, or about $171 per month, the lowest of the four. Paying the full six months up front dropped the cost to $907.00, a $120 saving over the monthly plan. The default package already carried the 100/300 bodily injury, $100,000 property damage, and $500 deductibles, so only the uninsured and underinsured motorist coverage had to be raised to the target. That moved the policy into Progressive’s “Custom” tier shown here.

One Texas detail applies to Progressive. It sets a mandatory $250 deductible on the uninsured motorist property-damage piece, and that cannot be changed. The driver was offered Progressive’s Snapshot telematics program and declined it, so this rate assumes no usage-based monitoring.

GEICO quoted $1,183.00 for six months, or about $197 per month, which is $156 above Progressive on identical limits. The figure here is GEICO’s “Enhanced” package, which matched the 100/300 target exactly with $500 comprehensive and collision deductibles and no coverage edits needed. The Enhanced tier also folds in a couple of extras beyond the target list, including a small personal injury protection limit and uninsured-motorist property damage. The quote included paperless and automatic-payment discounts, and paying in full would trim another $78. GEICO’s DriveEasy program was offered and declined to keep the base rate comparable.

Travelers quoted $1,813.50 for six months, about $302 a month. That sits $786 above Progressive. One caveat keeps it from being a clean match. Travelers defaulted property damage to $50,000, not the $100,000 used at the other three carriers.

Its online quote locks that limit before the price shows, so the true matched-coverage number at Travelers would run a bit higher than $1,813.50. The bodily injury limit did match the target at 100/300. The driver declined Travelers’ IntelliDrive program to keep the base rate comparable.

State Farm quoted $2,782.38 for six months, about $464 a month. That’s $1,755 above Progressive for the same coverage, more than double the price. The quote matched the full target: 100/300 bodily injury, $100,000 property damage, and $500 deductibles, with Drive Safe & Save telematics declined.

The reason for the gap sits in how State Farm writes Texas auto policies. It places them through State Farm County Mutual Insurance Company of Texas, a separate arm that often prices higher than the State Farm brand drivers expect. A trusted name does not promise the lowest price, and this profile shows it plainly.

These quotes carry one caveat about credit. GEICO and Progressive returned no-credit-hit estimates, and no Social Security number was entered for State Farm either, so that figure is a quote-time estimate too. Travelers noted that a credit-based insurance score factored into its number. Texas allows credit-based insurance scoring, so a driver with an established credit file could see different rates at any of these carriers.

What Drives 2022 Ford F-150 Insurance Costs in Dallas

Dallas runs above the Texas state average for 2022 Ford F-150 insurance, and the reasons stack up. Population density, heavy highway traffic, vehicle theft, and a high share of uninsured drivers all push city premiums above what the same driver would pay in a small town. The Texas Department of Insurance publishes rate guides that show how widely premiums swing between urban and rural ZIP codes across the state.

The F-150 adds its own cost pressure. The F-150 has ranked among the most stolen vehicles in the country for years. According to the Insurance Information Institute, vehicle theft costs insurers billions of dollars each year, and carriers price that risk straight into comprehensive premiums. The $500 comprehensive deductible in this package holds that portion of the bill down, but the underlying theft risk in a metro the size of Dallas still factors into every carrier’s math. The deductibles and auto insurance guide shows how raising or lowering that deductible changes your total cost.

Texas also has one of the higher uninsured-driver rates in the nation. The Insurance Research Council estimates that about one in eight U.S. drivers carries no insurance at all, and Texas sits above that mark. That is exactly why the uninsured and underinsured motorist coverage in this package matters here, and why Progressive’s mandatory $250 property-damage deductible on that coverage is worth knowing about before you buy.

Two parts of this profile pushed the price up rather than down. The first is the single marital status. Most carriers rate single drivers higher than married drivers, reflecting claims data on accident frequency, so this driver does not get the married discount that lowers many comparison quotes. The second is the financed ownership status. Ford Motor Credit requires comprehensive and collision coverage while the truck is collateral, which closes off the option to drop physical damage and shrink the premium.

A few things worked in this driver’s favor. Ten years of continuous coverage with Progressive and no lapse is a strong signal that helps at almost every carrier, since even a short gap tends to raise rates. Homeownership and low annual mileage, about 15,000 miles for pleasure use rather than a daily commute, also help. For a broader look at how 2022 Ford F-150 insurance compares to other body styles, the car insurance rates by vehicle type guide breaks down trucks, SUVs, sedans, and crossovers. You can also benchmark Dallas against the rest of the country in the full car insurance by state guide.

How to Save on Insurance

Get quotes from at least three carriers at every renewal. This 2022 Ford F-150 insurance run showed a $1,755 gap between the cheapest and priciest carrier on the same coverage. The numbers shift every year as your age, record, vehicle value, and credit change. A short quoting session at renewal is the highest-return move most drivers can make.

Match your limits at every carrier before you compare. The headline carriers here used the same 100/300 limits and the same $500 deductibles, which is the only way to judge price fairly. A quote at lower default limits will always look cheaper than it really is. Travelers showed exactly this trap, defaulting property damage to $50,000 and quoting under its true matched price.

Don’t assume the big brand is the cheap one. State Farm quoted more than double Progressive on this truck, because its Texas policies run through a higher-priced County Mutual arm. Brand trust and brand price are two different things. The only way to know your number is to pull the quote.

Pay in full when you can swing it. Progressive charged $1,027.00 on the monthly plan but only $907.00 paid in full, a $120 difference for the same coverage. GEICO offered a similar pay-in-full break. If the cash is available, paying the full six months up front is one of the easiest discounts to claim.

Revisit coverage once the loan is paid off. While the F-150 is financed, Ford Motor Credit requires comprehensive and collision. Once the loan is gone, reducing physical damage on an aging truck becomes a real option that can cut the premium.

---

For related reading: compare rates for other popular trucks and SUVs in the car insurance rates by vehicle type guide, or see the full state-by-state rate breakdown to put Dallas in context.