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Depends on the insurance company, and to some extent, how you will use it. More important than what they'll let you buy it making sure what you buy actually covers what you're going to use it for in the event of an accident. I have a commercial policy, but just PA minimum coverage, and my annual for the F550 and F250 is just over $400. I wouldn't be scared of getting a quote on commercial.
This Hennessey Takes the Expedition Tremor's Off-Roading Capability to the Next Level
Slideshow: The VelociRaptor Expedition gains a lift, upgraded suspension, Brembo brakes, and trail-ready equipment while retaining the stock 440-horsepower EcoBoost V6.
Rezvani's Latest Post-Apocalyptic Monster Is a Ford F-150 Raptor Underneath
Slideshow: Called the Fortress, the 850-horsepower pickup combines Raptor underpinnings with military-inspired features, survival equipment, and a starting price of $285,000.
