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FordLightningMan
Well-known member
- Joined
- Dec 21, 2021
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- Upstate New York
- Vehicles
- F150
My Tesla cost the same to insure as my previous sedan, a similarly priced Audi. I assume that if you drive a truck that's currently around the same price as your new Lightning will be, insurance will be comparable.
RickLightning
Well-known member
The answer is, we have no idea. But an $70 - $80,000 is not inexpensive to insure.
Insurance varies by state, by driver and their history, their insurance score, other drivers, cars, ...
When we got our Mach-E, the insurance company had to contact HQ to price it. It was expensive. Now, it's in their database, and it's still expensive. Most of that is the price of the vehicle, combined with the expensive repair cost. Clearly the F-150 non-EV components are the same as the regular truck, so that will help, whereas Mach-E parts are hard to come by.
Had a small animal crack the louver panel, and the bottom panel. No painting, nothing but plastic fasteners and a few bolts. $1,400 for the 2 parts, $500 labor.
Insurance varies by state, by driver and their history, their insurance score, other drivers, cars, ...
When we got our Mach-E, the insurance company had to contact HQ to price it. It was expensive. Now, it's in their database, and it's still expensive. Most of that is the price of the vehicle, combined with the expensive repair cost. Clearly the F-150 non-EV components are the same as the regular truck, so that will help, whereas Mach-E parts are hard to come by.
Had a small animal crack the louver panel, and the bottom panel. No painting, nothing but plastic fasteners and a few bolts. $1,400 for the 2 parts, $500 labor.
gorwell
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- First Name
- Andrew
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- Jul 19, 2021
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- Sacramento
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- Ioniq 5 / XLT Standard
USAA already has the Lightning as an option to select for estimates. I'm in CA.
In my case, replacing my Egolf is costing me ~$20 more/month.
Replacing my ICE CX5, it costs ~$40 more/month.
Current (2 cars): $223
Revised (minus egolf): $245
Revised (2 Evs): $266
My wife pretty much selects the most compressive coverage, with $100 deductible... so, it already costs more than most. I can adjust the numbers (to a more reasonable coverage level) and end up saving w/ the Lightning.
In my case, replacing my Egolf is costing me ~$20 more/month.
Replacing my ICE CX5, it costs ~$40 more/month.
Current (2 cars): $223
Revised (minus egolf): $245
Revised (2 Evs): $266
My wife pretty much selects the most compressive coverage, with $100 deductible... so, it already costs more than most. I can adjust the numbers (to a more reasonable coverage level) and end up saving w/ the Lightning.
rdr854
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- Joined
- Oct 19, 2021
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- Location
- Northern Virginia
- Vehicles
- 18 Volvo V90, 22 Ford F150 Lightning, 23 Outback
For the vehicle I am replacing, $6.00 and change per month increase. Also USAA.
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