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Rates quoted on July 2, 2026 for a 31-year-old male driver with a clean record in Denver, Colorado (ZIP 80202). 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.
We pulled live 2022 Ford F-150 insurance quotes for one Denver driver and put four national carriers on the same truck, the same driver, and the same target coverage. State Farm came in lowest at $831.64 for six months. Liberty Mutual landed highest at $3,204.00.
Same truck, same driver, same coverage, and a spread of about $2,372 over six months between the cheapest and the most expensive. On this profile, that gap is the entire reason to shop more than one carrier before you renew.
Every 2022 Ford F-150 insurance quote below used the same liability limits and the same deductibles, so this is about as close to a clean side-by-side as a real shopping run gets. The numbers are not estimates from a rating table. They came straight from each carrier’s own quote tool using the exact inputs listed here. A few caveats sit underneath these prices, mostly around credit and telematics, and we spell out each one so the comparison stays fair.
The Driver Profile in Denver
This profile is a 31-year-old single man who rents in Denver. He works as a paralegal, holds an associate degree, and has carried a Colorado license for 15 years with a clean record. There are no accidents, no violations, and no DUI in the lookback window. Here are the inputs all four carriers rated:
- Age and status: 31, single, not a homeowner
- Location: Denver, CO, ZIP 80202, four years at the current address
- Driving record: clean, zero accidents and zero violations in three years
- Years licensed: 15
- Prior carrier: GEICO, two years insured at 50/100, no lapse
- Occupation: paralegal, associate degree
- Vehicle: 2022 Ford F-150 XLT, financed through Ford Motor Credit
- Annual mileage: 8,000, primary use marked as commute, about 13 miles each way
Most of these inputs work in the driver’s favor. He has 15 years behind the wheel and a clean record, which every carrier reads as low risk. He also has two straight years of prior coverage with no lapse, so no carrier treats him as a brand-new buyer.
His 8,000 miles a year sit well below the roughly 13,500-mile national average tracked by the Federal Highway Administration, and lower mileage usually means a lower rate. Two inputs push the other way. He rents rather than owns, so he misses the homeowner discount several carriers offer, and his prior liability limits of 50/100 sit below the 100/300 target, which can nudge a rate up when a driver moves to higher coverage.
The Coverage Package
We held coverage steady across all four carriers so the comparison stays fair. The target package for each 2022 Ford F-150 insurance quote in this run was:
- Bodily injury liability: 100/300 ($100,000 per person, $300,000 per accident)
- Property damage liability: $100,000
- Collision deductible: $500
- Comprehensive deductible: $500
- Uninsured and underinsured motorist: included at 100/300
Colorado requires every driver to carry at least 25/50/15 in liability, per the Colorado Division of Insurance. This profile buys well above that floor at 100/300 with $100,000 in property damage. The state minimum can leave a driver exposed after one serious crash, so quoting each carrier against the same higher target is the only way to keep the prices comparable.
All four carriers matched the full target coverage, so no row in the table below sits at a lower limit than another. If you want to see how the $500 collision and comprehensive figures change your bill, our guide to auto insurance deductibles walks through the tradeoff between a lower deductible and a lower premium.
Quote Results for This Profile
| CARRIER | 6-MONTH PREMIUM | MONTHLY | VS. LOWEST |
|---|---|---|---|
| State Farm | $831.64 | $138.61 | baseline |
| Progressive | $1,311.51 | $218.59 | +$479.87 |
| GEICO | $1,393.50 | $232.25 | +$561.86 |
| Liberty Mutual | $3,204.00 | $534.00 | +$2,372.36 |
Source: InsuranceRateGuard.com quote data, July 2026.
Quotes pulled directly from each carrier’s website using the profile above. State Farm and GEICO returned no-credit-hit estimates, and State Farm and Liberty Mutual include a non-declinable telematics discount. See the notes below.
The four carriers spread about $2,372 apart over six months on matched coverage.
State Farm worked out to roughly $138.61 a month, Progressive to about $218.59, GEICO to about $232.25, and Liberty Mutual to about $534.00. On this profile, the lowest option costs close to $395 a month less than the highest, or nearly $4,745 a year.
That range comes from nothing more than asking four companies the same question on the same truck. A fifth carrier, Travelers, was also attempted on this profile and did not return a usable online quote during this run, so the table covers the four that did.
State Farm Came in Cheapest on This Profile
State Farm quoted $831.64 for six months, which works out to about $138.61 a month. That made it the lowest quote in this run by a wide margin.
Its standard “Premium” package matched the full target out of the box, with 100/300 bodily injury, $100,000 property damage, $500 deductibles on both collision and comprehensive, and uninsured and underinsured motorist coverage at 100/300, so no coverage edits were needed. The quote even folded in extras like $5,000 in medical payments and roadside assistance at no separate charge in the version we saw.
Two caveats matter here. First, State Farm could not pull a credit-based insurance score for this profile, so the $831.64 is a no-credit-hit estimate rather than a fully underwritten rate. A real applicant with a strong credit file could land near this number, while a thin or poor credit file could push it higher.
To understand why that one factor swings the price so much, see our explainer on the credit-based insurance score. Second, State Farm automatically enrolled this quote in its Drive Safe & Save telematics program and baked a 10 percent discount into the price, with no option to decline it during the quote. That means the $831.64 already assumes monitored driving, which is not the case for GEICO or Progressive below.
Progressive Landed Second on This Profile
Progressive quoted $1,311.51 for six months, or about $218.59 a month, roughly $480 above State Farm.
It was the second-lowest quote in this run and matched the full target coverage. Reaching that target took a few edits in Progressive’s coverage tool, which spun up a “Custom” package once we raised bodily injury to 100/300, property damage to $100,000, and the uninsured and underinsured limits to match. Progressive also listed a pay-in-full price of about $1,193, roughly $119 below the installment total, for drivers who can cover the full term up front.
The comparison note here is cleaner than State Farm’s.
We declined Progressive’s Snapshot telematics program, so this rate does not assume any tracked driving. That makes Progressive’s $1,311.51 and State Farm’s $831.64 an imperfect match: part of State Farm’s lower number reflects a telematics discount that Progressive’s price does not include. A driver who is comfortable with monitored driving might close some of that gap by opting into Snapshot, while a driver who prefers to skip tracking is comparing Progressive against State Farm’s already-discounted figure.
GEICO Came in Third on This Profile
GEICO quoted $1,393.50 for six months, or about $232.25 a month, roughly $562 above State Farm and about $82 above Progressive. It was the third quote in this run and matched the full target coverage as well. GEICO’s quote opened at the lowest Colorado limits, so we raised bodily injury to 100/300, property damage to $100,000, and the uninsured motorist limits to match, then recalculated to the $1,393.50 shown above. The deductibles held at $500 on both collision and comprehensive, and paperless and automatic-payment discounts were folded into the total.
Like State Farm, GEICO returned a no-credit-hit estimate because the tool could not find a credit-based insurance score for this profile, so the same credit caveat applies. We also declined GEICO’s DriveEasy telematics program, so this rate assumes no tracked driving. That puts GEICO on the same telematics footing as Progressive and a step apart from State Farm and Liberty Mutual, whose prices both include a monitoring discount. On credit terms, GEICO and State Farm share the no-credit-hit basis, while Progressive was quoted without any credit pull as well.
Liberty Mutual Came in Highest on This Profile
Liberty Mutual quoted $3,204.00 for six months, or about $534.00 a month, nearly $2,372 above State Farm. It matched the full target coverage, but the path there was steep. Its baseline quote at Liberty Mutual’s own default limits (25/50 bodily injury, $25,000 property damage, no uninsured motorist coverage, and $1,500 deductibles) came in at $2,311.00. Raising bodily injury to 100/300 automatically bumped property damage to $100,000 and added uninsured and underinsured coverage at 100/300, and lowering the deductibles to $500 lifted the total to $3,204.00.
One caveat keeps this number from being an apples-to-apples match with the two lower quotes. Liberty Mutual bakes its RightTrack telematics discount into the estimate with no option to decline during the quote, the same way State Farm does. So both the cheapest quote and the most expensive quote in this run already assume monitored driving, while the two middle quotes do not. Even with that discount included, Liberty Mutual still priced this truck at nearly four times State Farm’s number, which is the clearest single reason this driver should not stop shopping at the first quote.
What Drives up 2022 Ford F-150 Insurance in Colorado
Several forces push 2022 Ford F-150 insurance prices higher in Colorado, and a few work in this driver’s favor. A clean 15-year record, two years of continuous prior coverage with no lapse, and below-average annual mileage all read as low risk to an underwriter. The main things pushing the other way are the truck, the coverage jump from a prior 50/100 policy up to 100/300, and the state itself.
Colorado is one of the more expensive states for auto insurance, and it has been getting more so. MoneyGeek reports that full-coverage car insurance in Colorado runs close to $146 a month, roughly $296 a year above the national average, after a sharp jump in 2025. Two local risks help explain the climb.
Severe hail along the Front Range causes more than $1 billion in insured damage in bad years, which feeds directly into comprehensive premiums, a point the Insurance Information Institute tracks in its hail data. On top of that, the Insurance Research Council estimates that nearly 20 percent of Colorado drivers were uninsured in 2023, one of the highest rates in the country, and Colorado also posted the nation’s highest share of underinsured drivers. That is exactly the risk uninsured and underinsured motorist coverage is built to absorb.
The vehicle matters too.
A full-size pickup like the F-150 carries higher repair and replacement costs than a midsize sedan, and parts and labor on a newer truck are not cheap. A financed truck also requires full coverage, so collision and comprehensive are mandatory rather than optional.
Trucks vary more by trim and engine than many buyers expect, which is one reason rates differ so much from one vehicle class to the next. Our guide to car insurance rates by vehicle type breaks down how pickups, sedans, and SUVs rate against each other, and because each state sets its own minimums and its own market, the same truck can price very differently a few hundred miles away, as our car insurance by state guide shows.
How to Save on Insurance
The $2,372 spread on this single profile is the clearest argument for shopping around. Here are five concrete ways to keep your 2022 Ford F-150 insurance bill down.
- Quote at least four carriers on identical coverage before every renewal. The same driver and truck produced a $2,372 six-month gap between the cheapest and most expensive carrier here, and the only way to find it is to compare.
- Match limits and deductibles when you compare. A cheaper quote at lower coverage is not actually cheaper, so line up 100/300 liability and the same deductibles on each quote before you judge the price.
- Decide how you feel about telematics before you shop. State Farm and Liberty Mutual baked in a monitoring discount here with no way to opt out during the quote, while GEICO and Progressive let us decline, so weigh the discount against the tracking.
- Ask how your credit-based insurance score affects the quote. It was missing for this profile, which produced no-credit-hit estimates from State Farm and GEICO, and a real credit file could move those numbers either way. Our credit-based insurance score guide explains how much it matters.
- Weigh a higher deductible if you have a cash cushion. Moving from $500 toward $1,000 on collision and comprehensive lowers the premium, though it raises your out-of-pocket cost after a claim. Our deductibles guide walks through the math.
The takeaway is simple. Price the same truck and the same target coverage at four carriers before every renewal, and the gap you find is money you keep.