How Much are Insurance Quotes for a Ford F-150 in Washington?

Your odds of finding cheaper auto insurance for a Ford F-150 in Washington is contingent on a lot of rating factors like annual vehicle mileage, the likelihood of your vehicle being stolen, and the level of deductible you choose. Washington drivers pay on average $1,120 each year to buy insurance for a Ford F-150, but that price is an estimate that uses a 30-year-old single male driver who needs full coverage including both comprehensive and collision and $250 policy deductibles.

The problem with using this number is the good chance you are not a 30-year-old male, married instead of single, or maybe you have a speeding ticket or two that will increase rates. There is no perfect policy for every driver, so the way we recommend to find the cheapest coverage for your Ford is to make a habit of regularly comparing rates from other companies.

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The trim level of your Ford tends to impact the cost of coverage, so the price you pay to insure a F-150 XL Regular Cab 2WD model will be $304 cheaper than the insurance cost for the higher-priced F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in specific Washington garaging location which can raise or lower coverage prices greatly.

Buying coverage from a good quality auto insurance provider can be rather challenging considering how many different companies insure vehicles in Washington. The company rank data in the lists below can help you decide which insurers you want to consider purchasing coverage from. These ratings are only comprised of companies with a nationwide focus, so companies that only write business in Washington or surrounding areas are not included in these rankings.

Top 10 Major Auto Insurance Providers in Washington Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. Allstate – 88%
9. 21st Century – 88%
10. The General – 88%

Top 10 Major Auto Insurance Providers in Washington Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Nationwide – A+
8. Allstate – A+
9. Titan Insurance – A+
10. Progressive – A+

Top Companies for Ford F-150 Insurance in Washington

How accidents and violations affect rates in Washington

In a perfect world, the best way to get good insurance premiums in Washington for a F-150 pickup is to drive carefully and have a clean driving record. The diagram below illustrates how traffic citations and accidents influence insurance costs for each different age category. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2339,2773,4635],[‘Age 30’, 1253,1687,3551],[‘Age 40’, 1211,1645,3507],[‘Age 50’, 1109,1543,3405],[‘Age 60’, 1077,1513,3373],[‘Age 70’, 1341,1775,3637]]);var options = {title: ‘Impact of Violations and Accidents on Washington Ford F-150 Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Washington’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,388. Add in two speeding tickets and the average cost surges to $1,823, an increase of $434 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Ford F-150 goes up to an average of $3,685. That’s an increase of $2,296, or $191 per month, just for not being a responsible driver!

The diagram below highlights how deductible selection can influence insurance premiums when researching cheap insurance for a Ford F-150. The information is based on a single male driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3157,2897,2611,2339],[‘Age 30’, 1669,1545,1397,1253],[‘Age 40’, 1639,1509,1357,1211],[‘Age 50’, 1491,1375,1239,1109],[‘Age 60’, 1443,1331,1201,1077],[‘Age 70’, 1747,1621,1479,1341]]);var options = {title: ‘Effect of Deductibles on Ford F-150 Insurance Rates in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 30-year-old driver could pocket $282 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $428 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could shave up to $818 each year just by using higher deductibles. When increasing deductibles, it will now be necessary to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Who is cheaper: Allstate, Geico, Progressive, or State Farm?

If you’re looking for the cheapest car insurance, four companies to consider are Allstate, Geico, Progressive, and State Farm. When added together, they make up almost half of all policies written in the United States. The following table compares and contrasts some of the ratings and options that may be available in Washington.