Hey guys, i am located in central illinois and was wondering what insurance would cost me on a lightning if i bought one. Im in the process of saving and im 17 yo. Of course i would have it under my dad's name though. i was wondering if anybody could give me an idea of how expensive it is? My brother has a 2000 L and pays 600 every 6 months in st. louis and he is 24 and on his own. He also said they dont consider this as a sports truck its just a regular truck and they go by the number of cylinders...any body have opinions? thanks

 

Mine is listed as an F-150 V-8 - that's all. Full coverage/ $500 deductible/maximum liabilities = $525 every 6 months (but I'm an old fart).


Bird

 

$465 every 6 months.

 

Most insurance companies will know it is a Lightning and you'll pay a little more premium than say and F150 4x4, but it shouldn't be a ton more. It may be a little cheaper than a regular sports car, such as a Camaro Z28 or Mustang GT. Definitely reap the benefits of having it on your parents plan as long as you can or they allow. I was just over 25 when I got my L, and married, and it is about 250-275 per 6 months on a 3 car plan with it listed as not being a daily driver and low miles per yr. my 94Z28 on the other hand was much more when I was under 25... i had it from 18 yrs old through about 25, and it seems like that was more around 100 bucks a month with a few tickets.

good luck and don't get yourself killed with an L. it is a lot of power and speed for your age, i know b/c i was there a few years ago with a fast car and could not keep my foot out of it and i was what i would call one of the more mature teenagers but horsepower is like a bad drug

 

I am a old fart too compared to him, but I pay less for L than my wife's Navi. I think that it is about a $115 a month for the two. State Farm

 

I'm 21 and I pay $1409/yr

 

I pay right at $400 every six months through Progressive. That includes a multiple car discount for my Ranger daily driver. I am 28 years old with a very clean driving record and live in central Indiana. In my opinion a 17 year old person is not mature enough to own a vehicle with this much power, but that's just my opinion. I would guess on your own you would be looking at $800-1000 every six months with a decent record. On your parents insurance, probably around $500-600

 

im 25 and mine is $2100 a year no points no tickets

 

who is this with? thought about quotes elsewhere?

 

yeah but Slow is a chick so she gets a much better deal than guys do
but back to the original poster- if its gona be under your parents it is gona be real cheap
great truck to have just be careful with it, talk to your bro maybe he will let you go for a fid and get the feel for it
dont be an *** with it and you will be fine

 

under moms name i pay 100 per month... and 50 a month for my beater... I have allstate, and i gave them the vin, and on the policy it comes up

2d, v8, rwd, 2002 ford truck

 

My sister is 24 and paying over $3k a year on an 02 trailblazer.
When I first bought the L, I had it under my parents and it was only $700/yr.... so it doubled when it went in my name.

 

I'm 24 and pay 550 with Geico. You have to give them a VIN so they know its a lightning therefore its a bit more than a reg. F150. My insurance cards say F150 SVT.

 

oh crap no kidding! that sucks for her
i thought it was bad for me with the stang on too and i am at 280 a month

 

WOW you guys pay big money. The L is 297.00 every 6 months. On the statement is has the VIN and list as 03 F150. 33 w/2 points in DC area. to my company!