Insurance Cost

[sgsraptor]

People who had Gen 1 Raptors, what was your experience on insurance. Is it any more than a normal F-150?

 

[Boricuaevo8]

Mine is normal. I'm married and over the age of 25, so it's low. You should call around, I use USAA.

 

[brc misfit]

AAA considers it a simple truck, only a few dollars over my wifes beemer.

 

[Tom]

Insurance should be the same as a regular F-150. If you live in a state that requires you to pay personal property tax on your vehicles, that could be expensive. Mines about $950 a year in taxes and my truck is 7 years old!!!

 

[stealthfrc]

i just used one of the vins listed on one of the dealerships website for a 2017 raptor. turns out its going to be slightly cheaper then what im paying for my 2013 taurus SHO... im sure ill make up for it in property taxes tho.... everyone has their hands out.

 

[sgsraptor]

Sawweeeet...ya i just sent my vin to my Insurance Broker to get the cost. Figured it would be the same but just wanted to check. Thanks!!

 

[sgsraptor]

Just heard back from my Insurance Broker and she said it would only be about $60 more a year than my 2011 Ford Ranger. Yay!

 

[Mjolnir]

I have had State Farm, Geico and Farmers

Currently on farmers with my 2012

Some things to consider:
1. mods - I listed my mods to Farmers and have them insured (I have close to $50k in mods)
2. off road events - I have read thru the full documents (I am no a laywer, but I can read), and while Geico and State farm have exclusions, Farmers does not (State Farm's exclusion is so bad, if you wreck your truck on a dirt road, they can deny coverage). As long as I am not racing for time or money, Farmers will cover my truck (everyone who goes to any event should know before hand what their coverage does and does not cover)

For 2016/2017 I have a premium of 1042 a year. It was $700 last year, but then my teenager started driving, and by Texas law I cannot exclude him on any vehicle, so he's covered for everything from my Ducati to my GT3, which jacked all my rates up by about 30% (teenagers....)

 

[Gatica]

Don't look forward to that next year

 

[Miker397]

Insurance should be the same as a regular F-150. If you live in a state that requires you to pay personal property tax on your vehicles, that could be expensive. Mines about $950 a year in taxes and my truck is 7 years old!!!

I absolutely hate this ********. I live in Michigan and it's the worst for insurance (my rates doubled when I moved from Ohio) and then they bill me about $2500 a year for registration tax on my five cars. Ohio was $35 a tag regardless of vehicle, while Michigan bills you based on msrp of the vehicle regardless of what you actually paid or bought used. My 16 year old Ferrari 360 I bought used 5 years ago for about the price of the Raptor new gets taxed based on a $200k msrp.