Cheapest Insurance Quotes for a Ford F-150 in Alabama

Cheapest Insurance Quotes for a Ford F-150 in Alabama

Because the topic is car insurance, the word “cheap” should never be used anywhere in the article as a descriptor for car insurance rates. Sad but true, cheap car insurance for a Ford F-150 just does not exist. Don’t let that discourage you, because we are going to tell you how you can still get insurance that is cheaper than your current rate.

The odds of finding cheap coverage for a Ford F-150 in Alabama depends upon a complex equation that considers factors such as if you are married or single, your geographic location, and citations or violations on your driving record. Drivers on average will pay $1,190 a year for F-150 insurance, but that price is a valuation based upon a 40-year-old married female driver that purchased both comprehensive and collision coverage and $100 policy deductibles.

More likely than not, you’re not a 40-year-old female, possibly single instead of married, or maybe you rent instead of own your home. Every policy is rated specifically for the driver, so the only real way to find affordable rates for your Ford is to take your time and compare rates from as many companies as possible. Compare rate quotes now and you can get rates from top-rated car insurance companies available.

Insure Your Ford for Less

The trim level of your F-150 tends to have a direct impact on the cost of coverage, so the cost to insure a F-150 XL Regular Cab 2WD trim level will be $372 less than the insurance cost for the high end F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.

Ford F-150 Insurance Rates in Alabama
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $218 $330 $354 $20 $106 $1,028 $86
F-150 STX Regular Cab 2WD $218 $422 $354 $20 $106 $1,120 $93
F-150 XL Super Cab 2WD $218 $422 $354 $20 $106 $1,120 $93
F-150 XLT Regular Cab 2WD $218 $422 $354 $20 $106 $1,120 $93
F-150 STX Super Cab 2WD $218 $422 $354 $20 $106 $1,120 $93
F-150 XL Crew Cab 2WD $250 $422 $354 $20 $106 $1,152 $96
F-150 XLT Super Cab 2WD $250 $422 $354 $20 $106 $1,152 $96
F-150 STX Regular Cab 4WD $250 $422 $354 $20 $106 $1,152 $96
F-150 XL Regular Cab 4WD $250 $422 $354 $20 $106 $1,152 $96
F-150 FX2 Super Cab 2WD $250 $422 $354 $20 $106 $1,152 $96
F-150 XLT Crew Cab 2WD $250 $422 $354 $20 $106 $1,152 $96
F-150 XL Super Cab 4WD $250 $422 $354 $20 $106 $1,152 $96
F-150 XLT Regular Cab 4WD $250 $422 $354 $20 $106 $1,152 $96
F-150 XL Crew Cab 4WD $282 $422 $354 $20 $106 $1,184 $99
F-150 STX Super Cab 4WD $282 $422 $354 $20 $106 $1,184 $99
F-150 XLT Super Cab 4WD $282 $422 $354 $20 $106 $1,184 $99
F-150 FX2 2WD $282 $514 $354 $20 $106 $1,276 $106
F-150 Lariat Super Cab 2WD $282 $514 $354 $20 $106 $1,276 $106
F-150 Lariat Crew Cab 2WD $282 $514 $354 $20 $106 $1,276 $106
F-150 FX4 Super Cab 4WD $282 $514 $354 $20 $106 $1,276 $106
F-150 XLT Crew Cab 4WD $282 $514 $354 $20 $106 $1,276 $106
F-150 FX4 4WD $282 $514 $354 $20 $106 $1,276 $106
F-150 Lariat Crew Cab 4WD $282 $514 $354 $20 $106 $1,276 $106
F-150 SVT Raptor Super Cab 4WD $282 $514 $354 $20 $106 $1,276 $106
F-150 Lariat Super Cab 4WD $282 $514 $354 $20 $106 $1,276 $106
F-150 Lariat Crew Cab Platinum 2WD $282 $606 $354 $20 $106 $1,368 $114
F-150 Lariat Crew Cab Harley 2WD $282 $606 $354 $20 $106 $1,368 $114
F-150 Lariat King Ranch 2WD $282 $606 $354 $20 $106 $1,368 $114
F-150 Lariat King Ranch 4WD $314 $606 $354 $20 $106 $1,400 $117
F-150 Lariat Crew Cab Harley 4WD $314 $606 $354 $20 $106 $1,400 $117
F-150 Lariat Crew Cab Platinum 4WD $314 $606 $354 $20 $106 $1,400 $117
Get Your Own Custom Quote Go

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in Alabama location which can decrease or increase prices considerably.

Selecting the best car insurance company is difficult considering how many companies sell insurance in Alabama. The company ratings displayed below could help you choose which auto insurers to look at when shopping car insurance rates for a Ford F-150. The ratings below are only comprised of large insurance companies, so companies that focus mainly on Alabama business are not taken into consideration for the list.

Top 10 Large Auto Insurance Providers in Alabama Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. The General
  8. 21st Century
  9. Esurance
  10. Titan Insurance

Top Companies for Ford F-150 Insurance in Alabama

Discounts on Alabama auto insurance rates

Discounts on auto insurance for a Ford F-150Insurers that sell the cheapest insurance for a Ford F-150 in Alabama may also offer special discounts that may potentially lower prices by 35% or more if you meet specific eligibility requirements. A list of auto insurance companies and the discounts they provide are shown below.

Auto Insurance Discounts for Popular Insurance Companies
Discount Geico Allstate Progressive State Farm Liberty Mutual Farmers
Multiple policies Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes No Yes Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes No Yes Yes No
Air bags Yes Yes No Yes Yes Yes
Running lights Yes No No Yes No Yes
Newer vehicle No Yes No Yes No Yes
No accidents Yes Yes Yes Yes No Yes
Defensive driver training Yes Yes Yes Yes No Yes
Low miles No Yes Yes Yes Yes No
Armed forces Yes No Yes Yes No Yes
Affinity/occupation Yes No No No Yes Yes
Full payment Yes Yes Yes No Yes Yes
Auto-pay Yes Yes Yes No Yes Yes
Loyalty No No Yes Yes No Yes
Early signing No Yes No No No Yes
Good grades Yes Yes Yes Yes Yes Yes
Student at college No Yes Yes Yes Yes Yes
Homeowner No No Yes No No Yes
Seat belt use Yes No No No No No
Online quote No No Yes No No No
Teen driver No No Yes No Yes No
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The information below shows the comparison of auto insurance rates with and without discounts applied to the rates. Data assumes a male driver, no claims or driving citations, Alabama state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with safe-driver, passive restraint, multiple policy, claim-free, homeowner, and accident-free discounts applied. When discounts are factored in, the the amount saved on auto insurance for a Ford F-150 is 16% or $136.

Reckless driving habits raise Alabama auto insurance rates

The ideal way to get the most affordable auto insurance premiums in Alabama for a F-150 pickup is to pay attention while driving and avoid getting tickets or having accidents. The information below shows how violations and accidents impact auto insurance rates for each age group. The premium estimates are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.

In the previous example, the average cost of car insurance in Alabama per year with no violations or accidents is $1,901. Receive one speeding ticket and the average cost rises to $2,153, an increase of $253 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Ford F-150 increases to an average of $2,844. That’s an increase of $943, or $79 per month, just for being a little careless behind the wheel!

Cheapest car insurance: Allstate, Progressive, State Farm, or Geico

When buying insurance for a F-150 pickup in Alabama, probably the best companies to start with are Allstate, Progressive, State Farm, and Geico. If you combine them together, they insure 48.5% of the entire U.S. auto insurance market. All offer liability and physical damage insurance, but each one has unique options and discounts that can influence your buying decision. The next table compares some of the different features that are available.

Ratings for Allstate, Progressive, State Farm, and Geico
Allstate Progressive State Farm Geico
Overall Satisfaction 2nd 3rd 4th 1st
Overall Price 4th 3rd 2nd 1st
Handling of Claims 1st 4th 2nd 3rd
Discounts Offered 1st 4th 3rd 2nd
U.S. market share 10% 8.8% 18.3% 11.4%
Percent of customers who recommend 86% 88% 88% 87%
A.M. Best rating A+ A+ A++ A++
Standard & Poor’s financial rating AA- AA AA AA+
Usage-based rating Yes Yes Yes No
New car replacement insurance Yes No No No
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Breakdown insurance No Yes No Yes
Roadside service Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes No Yes
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