Buying the best cheap auto insurance for a Ford F-150 doesn’t take too much effort, but it hinges on a complicated formula that considers factors such as your birth date, your credit score, and your policy deductibles. Drivers pay approximately $1,684 each year for F-150 insurance, but that amount is a projection calculated based on a 40-year-old single female driver with full coverage and $250 deductibles.
There’s a good chance you aren’t exactly 40 years old or even a female, possibly married instead of single, or maybe you have a speeding ticket or two that will increase rates. Even a slight change in rating criteria or coverage limits can result in a big discrepancy in the price of a policy.
Auto insurance is not the same for everyone, so the only real way to find the most affordable coverage for your Ford is to compare as many rates as you can. Get a free quote now and you will receive prices from some of the best companies that insure Ford vehicles in California.
Compare Ford F-150 Insurance Rates
The specific trim level impacts the cost of insurance, so the price you pay to insure a F-150 XL Regular Cab 2WD will be $474 less expensive the insurance cost for the fancier F-150 Lariat Crew Cab Platinum 4WD model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $286 | $418 | $574 | $34 | $172 | $1,484 | $124 |
| F-150 STX Regular Cab 2WD | $286 | $534 | $574 | $34 | $172 | $1,600 | $133 |
| F-150 XL Super Cab 2WD | $286 | $534 | $574 | $34 | $172 | $1,600 | $133 |
| F-150 XLT Regular Cab 2WD | $286 | $534 | $574 | $34 | $172 | $1,600 | $133 |
| F-150 STX Super Cab 2WD | $286 | $534 | $574 | $34 | $172 | $1,600 | $133 |
| F-150 XL Crew Cab 2WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| F-150 XLT Super Cab 2WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| F-150 STX Regular Cab 4WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| F-150 XL Regular Cab 4WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| F-150 FX2 Super Cab 2WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| F-150 XLT Crew Cab 2WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| F-150 XL Super Cab 4WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| F-150 XLT Regular Cab 4WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| F-150 XL Crew Cab 4WD | $370 | $534 | $574 | $34 | $172 | $1,684 | $140 |
| F-150 STX Super Cab 4WD | $370 | $534 | $574 | $34 | $172 | $1,684 | $140 |
| F-150 XLT Super Cab 4WD | $370 | $534 | $574 | $34 | $172 | $1,684 | $140 |
| F-150 FX2 2WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 Lariat Super Cab 2WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 Lariat Crew Cab 2WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 FX4 Super Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 XLT Crew Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 FX4 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 Lariat Crew Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 SVT Raptor Super Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 Lariat Super Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| F-150 Lariat Crew Cab Platinum 2WD | $370 | $766 | $574 | $34 | $172 | $1,916 | $160 |
| F-150 Lariat Crew Cab Harley 2WD | $370 | $766 | $574 | $34 | $172 | $1,916 | $160 |
| F-150 Lariat King Ranch 2WD | $370 | $766 | $574 | $34 | $172 | $1,916 | $160 |
| F-150 Lariat King Ranch 4WD | $412 | $766 | $574 | $34 | $172 | $1,958 | $163 |
| F-150 Lariat Crew Cab Harley 4WD | $412 | $766 | $574 | $34 | $172 | $1,958 | $163 |
| F-150 Lariat Crew Cab Platinum 4WD | $412 | $766 | $574 | $34 | $172 | $1,958 | $163 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can raise or lower coverage prices significantly.
Finding out which companies have the most affordable auto insurance rates for a Ford F-150 takes a little more work in order to find a policy that fits your budget.
Each auto insurance company has a unique formula to establish rates, so let’s take a look at the lowest cost auto insurance companies in San Jose. It’s a good idea to be aware that California auto insurance rates are impacted by many things that will increase or decrease the price of your policy. Simply getting older, buying another vehicle, or getting a DUI can cause premium changes that can make some companies more affordable than the competition.
Find the Cheapest Car Insurance for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,542 |
| 10 | Allstate | $1,543 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | State Farm | $1,733 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
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USAA offers some of the most affordable car insurance rates in San Jose at around $1,155 a year. This is $496 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the cheaper San Jose, CA car insurance companies.
In the above example, if you currently have a policy with CSAA and switched to Wawanesa, you might realize annual savings of in the neighborhood of $53. Customers with Nationwide may save as much as $69 a year, and 21st Century customers might reduce rates by $144 a year.
To discover how much you can save, click here to get quotes or click several companies below for low rates.
Bear in mind that those policy rates are averages for all drivers and vehicles and are not factoring in a specific location for a Ford F-150. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
Types of discounts on San Jose auto insurance rates
Insurance providers that offer coverage for a Ford F-150 may have rate discounts that could reduce prices by as much as 30% if you are eligible. Popular auto insurance companies and their offered discounts are shown below.
- Travelers includes discounts for multi-policy, hybrid/electric vehicle, multi-car, driver training, and student away at school.
- 21st Century has savings for good student, air bags, theft prevention, automatic seat belts, and anti-lock brakes.
- State Farm may have discounts that include driver’s education, multiple autos, good driver, student away at school, Steer Clear safe driver discount, and good student.
- GEICO may offer discounts for anti-theft, five-year accident-free, daytime running lights, defensive driver, and membership and employees.
- SAFECO may include discounts for accident prevention training, bundle discounts, homeowner, teen safe driver, and multi-car.
- AAA policyholders can earn discounts including AAA membership discount, education and occupation, multi-policy, anti-theft, good student, and good driver.
The illustration below compares car insurance rates with and without some available policy discounts. Data assumes a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multiple vehicle, passive restraint, anti-theft, homeowner, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage amount saved on auto insurance for a Ford F-150 is 28% or $537.
The illustration below demonstrates how deductibles can change insurance prices when researching cheap insurance for a Ford F-150. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
A 30-year-old driver could save $426 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $644 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old example, could shave up to $1,226 annually by using higher deductibles when buying full coverage.
When choosing a higher deductible, it is essential to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Drive safe and save
One of the best ways to score the cheapest auto insurance prices in California for a F-150 pickup is to be a careful driver and avoid tickets and accidents. The diagram below shows how violations and at-fault fender-benders can impact car insurance rates for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of auto insurance in California per year with no accidents and a clean driving record is $2,068. Add in two speeding tickets and the average cost swells to $2,719, an increase of $651 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Ford F-150 jumps again to an average of $5,511. That’s an increase of $3,443, or $287 per month, just for not being more responsible behind the wheel!