Cheap Ford F150 Car Insurance in 2024 (Earn Savings With These 10 Companies!)
Auto-Owners, AAA, and Erie are our top providers of cheap Ford F150 car insurance, starting at $45 per month. These companies focus on offering cost-effective and thorough coverage choices, aiming to provide great value and ensure strong protection and peace of mind or reassurance for their policyholders.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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563 reviewsCompany Facts
Min. Coverage for Ford F150
A.M. Best Rating
Complaint Level
Pros & Cons
563 reviews
1,814 reviewsCompany Facts
Min. Coverage for Ford F150
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
Auto-Owners is acknowledged as the premier option for cheap Ford F150 car insurance, offering competitive rates beginning at only $45 per month for comprehensive coverage.
In partnership with AAA and Erie, these insurers provide budget-friendly and comprehensive auto insurance packages tailored to offer customers peace of mind.
Our Top 10 Company Picks: Cheap Ford F150 Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $45 A++ Competitive Rates Auto-Owners
#2 $47 A Membership Discounts AAA
#3 $49 A+ Affordable Rates Erie
#4 $50 A Numerous Discounts American Family
#5 $52 A Budget-Friendly Mercury
#6 $53 A+ Discount Options Nationwide
#7 $54 B Wide Coverage State Farm
#8 $55 A++ Rate Flexibility Travelers
#9 $58 A Comprehensive Savings Farmers
#10 $59 A+ Usage-Based Rates Progressive
When purchasing a Ford F150, it’s essential to factor in the cost of car insurance. The cost of insurance can vary depending on various factors, such as the model year, insurance options, providers, and more. In this article, we will delve into the details and explore all the factors that affect the cost of Ford F150 car insurance. Enter your ZIP code now to start.
- Auto-Owners offers liability coverage starting at just $45 per month
- Explore top-rated and budget-friendly auto insurance options
- Count on experts to help you choose the most cost-effective car insurance
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#1 – Auto-Owners: Top Overall Pick
Pros
- Competitive Rates: Auto-Owners offers one of the lowest rates starting at $45 per month, providing affordability for Ford F150 owners.
- Strong Customer Service: Known for excellent customer service, Auto-Owners prioritizes customer satisfaction, ensuring a smooth claims process and responsive support. Read more through our Auto-Owners insurance review.
- Comprehensive Coverage Options: Auto-Owners provides a range of coverage options tailored to meet the diverse needs of Ford F150 owners, offering flexibility and peace of mind.
Cons
- Limited Availability: Auto-Owners operates in fewer states compared to some larger insurance providers, potentially limiting coverage options for certain customers.
- Limited Online Tools: While Auto-Owners offers strong customer service, its online tools and mobile app may be less robust compared to some competitors, which could inconvenience tech-savvy customers.
#2 – AAA: Best for Membership Discounts
Pros
- Membership Discounts: AAA offers discounts for members, providing additional savings opportunities for Ford F150 owners who are AAA members.
- Extensive Network: With a vast network of agents and service centers, AAA ensures accessibility and convenience for policyholders, especially during emergencies. Read more through our AAA insurance review.
- Additional Benefits: Apart from insurance, AAA offers a range of other services like roadside assistance, travel discounts, and member rewards, enhancing overall value for customers.
Cons
- Potentially Higher Premiums: While AAA provides extensive benefits, its premiums might be slightly higher compared to some competitors due to the added services and benefits included in the coverage.
- Membership Requirement: To access AAA’s insurance offerings, individuals must be members, which could be seen as an additional cost or inconvenience for those who are not already members.
#3 – Erie: Best for Affordable Rates
Pros
- Stable and Reliable: Erie has a reputation for financial stability and reliability, providing assurance to Ford F150 owners that their insurance provider will be there when needed.
- Personalized Service: Erie offers personalized service through local agents, ensuring policyholders receive tailored assistance and support based on their individual needs.
- Strong Customer Satisfaction: Erie consistently receives high ratings for customer satisfaction, indicating a positive experience for policyholders in terms of claims processing and support.
Cons
- Limited Availability: Erie’s coverage may be limited to certain regions or states, potentially restricting options for Ford F150 owners outside of those areas.
- Limited Digital Experience: While Erie provides personalized service through agents, its online and mobile platforms may not offer as many features or convenience compared to some digital-first insurers. Learn more through our Erie insurance review.
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#4 – American Family: Best for Numerous Discounts
Pros
- Numerous Discounts: American Family offers a wide range of discounts, including those for safe driving, bundling policies, and loyalty, allowing Ford F150 owners to maximize savings.
- Strong Financial Standing: With a solid financial standing, American Family provides stability and reliability, giving policyholders confidence in their coverage.
- Community Involvement: American Family is known for its community involvement and support, fostering a positive image and connection with customers.
Cons
- Potentially Higher Premiums: Despite offering numerous discounts, American Family’s premiums may still be higher compared to some competitors, especially for certain demographics or coverage options. Read more through our American Family insurance review.
- Limited Coverage Options: While American Family provides standard coverage options, it may not offer as many specialized or customizable options as some other insurers, potentially limiting flexibility for policyholders.
#5 – Mercury: Best for Budget-Friendly
Pros
- Budget-Friendly Options: Mercury offers budget-friendly insurance options, making it an attractive choice for Ford F150 owners looking to save on their premiums.
- Quick Claims Processing: Mercury is known for its efficient claims processing, ensuring timely resolution and minimal hassle for policyholders.
- Flexible Coverage: Mercury provides flexible coverage options, allowing Ford F150 owners to tailor their policies to meet their specific needs and budget. Follow us through our Mercury insurance review.
Cons
- Limited Availability: Mercury’s coverage may be limited to certain states or regions, potentially restricting options for Ford F150 owners in areas where the company does not operate.
- Mixed Customer Service Reviews: While Mercury excels in claims processing, some customers have reported mixed experiences with customer service, including difficulties in reaching representatives or resolving issues.
#6 – Nationwide: Best for Discount Options
Pros
- Discount Options: Nationwide offers a variety of discount options, including those for safe driving, bundling policies, and vehicle safety features, helping Ford F150 owners save on their premiums.
- Wide Coverage: Nationwide provides coverage options for various needs, including liability, collision, and comprehensive, ensuring comprehensive protection for Ford F150 owners.
- Strong Financial Strength: Nationwide has a strong financial strength rating, indicating stability and reliability in honoring claims and providing support to policyholders. Learn more through our Nationwide insurance review.
Cons
- Potentially Higher Premiums: Despite offering discounts, Nationwide’s premiums may still be higher compared to some competitors, particularly for certain demographics or coverage levels.
- Mixed Customer Reviews: While Nationwide has a solid reputation, some customers have reported mixed experiences with customer service or claims handling, indicating potential inconsistencies in service quality.
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#7 – State Farm: Best for Wide Coverage
Pros
- Wide Coverage Options: State Farm offers a wide range of coverage options, including standard and specialized coverage, allowing Ford F150 owners to customize their policies according to their needs. Learn more through our State Farm insurance review.
- Discount Opportunities: State Farm provides various discount opportunities, such as those for safe driving, vehicle safety features, and bundling policies, helping policyholders save on their premiums.
- Strong Customer Service: State Farm is known for its strong customer service, with a large network of agents and responsive support, ensuring a smooth experience for policyholders.
Cons
- Potentially Higher Premiums: While State Farm offers comprehensive coverage and discounts, its premiums may still be higher compared to some competitors, particularly for certain demographics or coverage options.
- Limited Digital Experience: Despite having a strong customer service network, State Farm’s online and mobile platforms may not offer as many features or convenience compared to some digital-first insurers, potentially inconveniencing tech-savvy customers.
#8 – Travelers: Best for Rate Flexibility
Pros
- Rate Flexibility: Travelers offers rate flexibility, allowing Ford F150 owners to choose from a variety of coverage options and adjust their premiums according to their needs and budget.
- Strong Financial Standing: Travelers has a strong financial standing, providing stability and reliability in honoring claims and providing support to policyholders. Read more through our Travelers insurance review.
- Diverse Coverage Options: Travelers provides a wide range of coverage options, ensuring that Ford F150 owners can find policies tailored to their specific needs and preferences.
Cons
- Potentially Higher Premiums: Travelers’ premiums may be higher compared to some competitors, especially for certain demographics or coverage levels.
- Mixed Customer Reviews: While Travelers has a solid reputation, some customers have reported mixed experiences with customer service or claims handling, indicating potential inconsistencies in service quality.
#9 – Farmers: Best for Comprehensive Savings
Pros
- Comprehensive Savings: Farmers offers various discounts and savings opportunities, including those for safe driving, bundling policies, and loyalty, helping Ford F150 owners reduce their insurance costs. Find out more through our Farmers insurance review.
- Customizable Policies: Farmers provides customizable policies, allowing Ford F150 owners to tailor their coverage to meet their specific needs and preferences.
- Strong Community Presence: Farmers is known for its community involvement and support, fostering a positive relationship with customers and local communities.
Cons
- Potentially Higher Premiums: Despite offering discounts, Farmers’ premiums may still be higher compared to some competitors, especially for certain demographics or coverage options.
- Complex Claims Process: Some customers have reported complexities or delays in the claims process with Farmers, which could be frustrating for policyholders seeking prompt resolution.
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#10 – Progressive: Best for Usage-Based Rates
Pros
- Usage-Based Rates: Progressive offers usage-based insurance programs, such as Snapshot, allowing Ford F150 owners to potentially lower their premiums by demonstrating safe driving habits.
- Wide Range of Coverage Options: Progressive provides a wide range of coverage options, including standard and specialized coverage, ensuring comprehensive protection for Ford F150 owners.
- Online Tools and Resources: Progressive offers robust online tools and resources, including a user-friendly website and mobile app, making it easy for policyholders to manage their policies and access support.
Cons
- Potentially Higher Premiums: Despite offering usage-based rates, Progressive’s premiums may still be higher compared to some competitors, especially for certain demographics or coverage levels.
- Mixed Customer Service Reviews: While Progressive excels in online tools and resources, some customers have reported mixed experiences with customer service or claims handling, indicating potential inconsistencies in service quality. Follow us through our Progressive insurance review.
Factors That Determine the Cost of Ford F150 Car Insurance
Understanding the Different Insurance Options for Ford F150
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Tips for Saving Money on Ford F150 Car Insurance
To save on insuring your Ford F150, consider these steps: shop around for quotes, raise your deductible, take advantage of discounts for safe driving and safety features, maintain a good credit score, and bundle policies for potential discounts.
Understanding different car insurance coverage types can also help you choose the right level of protection while keeping costs in check. These actions can effectively lower your insurance expenses while ensuring you have the necessary coverage for your Ford F150.
Exploring the Average Cost of Comprehensive Coverage for Ford F150
Frequently Asked Questions
What factors affect the cost of Ford F150 car insurance?
The cost of Ford F150 car insurance can be influenced by various factors such as the driver’s age, location, driving record, coverage options, deductible amount, and the specific model and year of the Ford F150.
Are Ford F150 trucks generally more expensive to insure compared to other vehicles?
As a larger and more powerful vehicle, Ford F150 trucks can often have higher insurance premiums compared to smaller cars. However, insurance costs can vary based on individual circumstances and other factors, so it’s best to obtain personalized quotes from insurance providers. Enter your ZIP code now to start.
Is car insurance more expensive for newer Ford F150 models?
In general, based on our AIG insurance review, newer Ford F150 models may have higher insurance costs due to their higher market value and potential repair or replacement costs. However, insurance rates can also depend on other factors like safety features and crash test ratings.
Are there any discounts available for Ford F150 car insurance?
Yes, insurance companies often offer various discounts that can help reduce the cost of Ford F150 car insurance. These discounts may include safe driver discounts, multi-policy discounts, anti-theft device discounts, and more. It’s advisable to inquire with insurance providers about available discounts.
Does the location where I live impact the cost of Ford F150 car insurance?
Yes, the location where you live can affect the cost of Ford F150 car insurance. If you reside in an area with high traffic congestion, a high crime rate, or a higher number of accidents, insurance premiums may be higher compared to areas with lower risk factors. Enter your ZIP code now to begin comparing.
What are three factors mentioned in the article that can influence the cost of Ford F150 car insurance?
Factors influencing the cost of Ford F150 car insurance include model year, engine size, lending your car to an uninsured driver, safety features, driving history, and location.
Name two benefits of choosing Auto-Owners Insurance for Ford F150 coverage according to the article?
Two benefits of choosing Auto-Owners Insurance for Ford F150 coverage are competitive rates starting at $45 per month and strong customer service.
What are two potential drawbacks of insuring with AAA as outlined in the article?
Two potential drawbacks of insuring with AAA are potentially higher premiums and the requirement of membership to access insurance offerings. Enter your ZIP code now to start.
According to the article, what are three tips for saving money on Ford F150 car insurance?
According to our The Hartford insurance review, three tips for saving money on Ford F150 car insurance are shopping around for quotes, raising your deductible, and taking advantage of discounts for safe driving and safety features.
What are two advantages of selecting Progressive for Ford F150 insurance coverage according to the article?
Two advantages of selecting Progressive for Ford F150 insurance coverage are usage-based rates and a wide range of coverage options.
Compare The Best Insurance Quotes In The Country
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
