Auto ACV

Ford F-150 Total Loss Appraisal

The F-150 is the highest-volume vehicle in the US, so comp pools are deep — but that depth hides trim mismatches. A Lariat priced against XLT comps loses $4,000–$6,000 instantly. Average Auto ACV recovery on this model: +$2,400–$5,200.

Body type
Full-size pickup
Typical ACV
$22,000–$48,000
Typical mileage
55,000–95,000 mi
Avg recovery
+$2,400–$5,200

Factory options insurers miss

  • FX4 Off-Road Package
  • Max Trailer Tow
  • Pro Power Onboard
  • Sport Appearance
  • Twin-panel moonroof
  • B&O premium audio

Valuation pitfalls

  • Trim coding errors between XLT, Lariat, King Ranch, Platinum — each adds $3,000–$8,000 in MSRP
  • EcoBoost vs naturally-aspirated V6 vs 5.0L V8 — software sometimes treats them as interchangeable
  • SuperCab vs SuperCrew cab style — adjusters frequently miscode this
  • Bed length (5.5' vs 6.5' vs 8') affects ACV by $800–$1,500 and is often defaulted

Ford F-150 — pick your state

State-specific guides for Ford F-150 total-loss claims, with local threshold, statute, and ACV market notes.