Insurance
Insurance, not maintenance, is this vehicle's dominant running cost: $2,200 a year on a national average against $635 for upkeep.
Report ACI-FOR-F150 · Updated July 2026 · Figures are ACI model estimates
The Ford F-150 ranks #38 of 52 vehicles we track — mid-pack for annual maintenance cost.
Vehicle age, years · figures at 12,000 mi/yr, independent shop
Spending rises steadily with age, from $180 in year 1 to $1230 by year 10, without a sharp break.
| Service | Typical cost | Interval |
|---|---|---|
| Oil change (synthetic, 6+ qt) | $105 | 7,500 mi |
| Cabin + engine air filters | $85 | 15,000 mi |
| Brake pads (front, pair) | $420 | 45,000 mi |
| Tires (set of 4) | $1,150 | 50,000 mi |
| Spark plugs (set) | $390 | 100,000 mi |
| Vehicle age | Annual cost | Cumulative |
|---|---|---|
| Age 1 | $180 | $180 |
| Age 2 | $230 | $410 |
| Age 3 | $320 | $730 |
| Age 4 | $430 | $1,160 |
| Age 5 | $550 | $1,710 |
| 5-year total | $1,710 | $1,710 |
Insurance, not maintenance, is this vehicle's dominant running cost: $2,200 a year on a national average against $635 for upkeep.
The Ford F-150 ranks #38 of 52 vehicles we track — mid-pack for annual maintenance cost. One documented pattern: Cam-phaser rattle complaints on 2017–2020 EcoBoost and 5.0L trucks, subject of a Ford technical service bulletin.
Routine costs are fluid-and-wear driven: oil at 7,500-mile intervals, filters, brakes, and tires. Tires (set of 4) is the single largest routine bill at $1150.
| Vehicle | Avg annual | 10-yr total | vs. F-150 |
|---|---|---|---|
| Ford F-150This page | $635 | $6,350 | — |
| Toyota RAV4 | $468 | $4,680 | −$167/yr |
| Honda CR-V | $510 | $5,100 | −$125/yr |
| Chevrolet Silverado 1500 | $645 | $6,450 | +$10/yr |
| Jeep Wrangler | $680 | $6,800 | +$45/yr |
It is about average. The F-150 averages $635 a year in maintenance and typical repairs, ranking #38 of 52 vehicles on AutoCostIndex. That is mid-pack among vehicles we track.
$635 a year averaged over the first ten years — about $53 a month. Year 1 runs roughly $180; by year 10 the annual figure reaches $1230. Ten-year total: $6,350.
The routine items are oil change (synthetic, 6+ qt) (~$105), cabin + engine air filters (~$85), brake pads (front, pair) (~$420). Intervals and full pricing for every service are in the table on this page.
Fuel or charging, insurance (about $2,200 a year nationally for this vehicle), collision damage, parking, tolls, taxes, and registration. The figure covers scheduled maintenance plus typical age-related repairs, modeled per our methodology.
Similar running costs
Rankings & hubs
Figures come from the ACI maintenance model: manufacturer service schedules priced at typical U.S. independent-shop rates, plus expected age-related repairs weighted by published reliability patterns. The calculator scales costs with mileage (wear factor) and shop choice. Figures are modeled estimates — your invoices will differ. Full detail on the methodology page.
SOURCES: ACI maintenance model v1 · manufacturer service schedules · 2026 U.S. parts & labor pricing · published reliability studies · Updated 2026-07-19