Who Has Cheap Insurance Quotes for a Ford F-150 in Rhode Island?
When writing about shopping for car insurance, the word cheap really should not be used anywhere in the article. Despite the oxymoron, cheap car insurance for a Ford F-150 can seem impossible to find. But don’t let us ruin your dream, because there may be ways you can still get auto insurance that is more budget-friendly.
The chances of finding cheaper coverage for a Ford F-150 in Rhode Island depends on a lot of factors such as the safety features of your vehicle, your credit rating, and if you had any at-fault accidents in the last few years. Drivers in Rhode Island pay approximately $1,460 a year for F-150 insurance, but that figure is a ballpark figure using cost data for a 30-year-old married female who needs full comprehensive and collision coverage and $100 policy deductibles.
But there is a high likelihood that you may not be 30 years old (or even female), maybe you are single instead of married, or maybe your driving record isn’t squeaky clean. There is no perfect policy for every driver, so the best way to quote cheap car insurance rates for your Ford is to make a habit of comparing prices at least once a year. Quotes only take a few minutes and you will receive prices from top-rated car insurance companies that offer coverage in Rhode Island.
View Ford F-150 Insurance Rates
Vehicle trim level will likely have an effect on the cost of insurance, so the price you will be charged to insure a F-150 XL Regular Cab 2WD model will be $460 cheaper than the cost to insure the high end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $296 | $398 | $414 | $24 | $124 | $1,256 | $105 |
| F-150 STX Regular Cab 2WD | $296 | $508 | $414 | $24 | $124 | $1,366 | $114 |
| F-150 XL Super Cab 2WD | $296 | $508 | $414 | $24 | $124 | $1,366 | $114 |
| F-150 XLT Regular Cab 2WD | $296 | $508 | $414 | $24 | $124 | $1,366 | $114 |
| F-150 STX Super Cab 2WD | $296 | $508 | $414 | $24 | $124 | $1,366 | $114 |
| F-150 XL Crew Cab 2WD | $338 | $508 | $414 | $24 | $124 | $1,408 | $117 |
| F-150 XLT Super Cab 2WD | $338 | $508 | $414 | $24 | $124 | $1,408 | $117 |
| F-150 STX Regular Cab 4WD | $338 | $508 | $414 | $24 | $124 | $1,408 | $117 |
| F-150 XL Regular Cab 4WD | $338 | $508 | $414 | $24 | $124 | $1,408 | $117 |
| F-150 FX2 Super Cab 2WD | $338 | $508 | $414 | $24 | $124 | $1,408 | $117 |
| F-150 XLT Crew Cab 2WD | $338 | $508 | $414 | $24 | $124 | $1,408 | $117 |
| F-150 XL Super Cab 4WD | $338 | $508 | $414 | $24 | $124 | $1,408 | $117 |
| F-150 XLT Regular Cab 4WD | $338 | $508 | $414 | $24 | $124 | $1,408 | $117 |
| F-150 XL Crew Cab 4WD | $382 | $508 | $414 | $24 | $124 | $1,452 | $121 |
| F-150 STX Super Cab 4WD | $382 | $508 | $414 | $24 | $124 | $1,452 | $121 |
| F-150 XLT Super Cab 4WD | $382 | $508 | $414 | $24 | $124 | $1,452 | $121 |
| F-150 FX2 2WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 Lariat Super Cab 2WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 Lariat Crew Cab 2WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 FX4 Super Cab 4WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 XLT Crew Cab 4WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 FX4 4WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 Lariat Crew Cab 4WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 SVT Raptor Super Cab 4WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 Lariat Super Cab 4WD | $382 | $618 | $414 | $24 | $124 | $1,562 | $130 |
| F-150 Lariat Crew Cab Platinum 2WD | $382 | $728 | $414 | $24 | $124 | $1,672 | $139 |
| F-150 Lariat Crew Cab Harley 2WD | $382 | $728 | $414 | $24 | $124 | $1,672 | $139 |
| F-150 Lariat King Ranch 2WD | $382 | $728 | $414 | $24 | $124 | $1,672 | $139 |
| F-150 Lariat King Ranch 4WD | $426 | $728 | $414 | $24 | $124 | $1,716 | $143 |
| F-150 Lariat Crew Cab Harley 4WD | $426 | $728 | $414 | $24 | $124 | $1,716 | $143 |
| F-150 Lariat Crew Cab Platinum 4WD | $426 | $728 | $414 | $24 | $124 | $1,716 | $143 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific Rhode Island garaging location which can modify prices considerably.
Trying to buy low-priced auto insurance is not always easy, and deciding which company quotes the lowest-priced auto insurance rates for a Ford F-150 may require even more perseverance. Each auto insurer uses their own method to set policy rates, so to begin we’ll rank the auto insurance companies with the most affordable rates in Rhode Island.
It’s important to understand that Rhode Island auto insurance rates are impacted by many things that will increase or decrease the policy premium. That is why it is critical to compare as many rates as possible to find the lowest car insurance rates for a Ford F-150. Prices are calculated by many different factors and can change without notice, so the cheapest rate the last time you checked may now be costing you a lot of money.
Cheap Insurance Rates for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $719 |
| 2 | State Farm | $1,095 |
| 3 | Travelers | $1,246 |
| 4 | Progressive | $1,499 |
| 5 | Amica | $1,512 |
| 6 | Quincy Mutual | $1,579 |
| 7 | Peerless | $1,768 |
| 8 | National Grange Mutual | $2,094 |
| 9 | GEICO | $2,517 |
| 10 | MetLife | $2,580 |
| 11 | Nationwide | $2,707 |
| 12 | California Casualty | $2,937 |
| 13 | Encompass | $2,987 |
| 14 | Liberty Mutual | $3,043 |
| 15 | Allstate | $3,058 |
| View More Rates Go | ||
USAA generally has some of the most affordable car insurance rates in Rhode Island at around $719 annually. State Farm, Travelers, Progressive, and Amica also qualify as some of the lowest-priced Rhode Island auto insurance companies.
In this example, if you have coverage with Travelers and switched to USAA, you might see savings of around $527. Policyholders with Progressive might save as much as $780 a year, and Amica insureds might reduce prices by as much as $793 a year.
Bear in mind that those premium estimates are averages across all drivers and vehicles in Rhode Island and and are not figured with a specific rate factor for a Ford F-150. So the auto insurance company that is best suited for you may not even be featured in the above list. That underscores the importance of why you need to get auto insurance quotes using your own individual information.
Discounts on cheap insurance for a Ford F-150 in Rhode Island
Insurance providers that provide coverage for a Ford F-150 may provide policy discounts that could potentially reduce rates by 25% or more if you are eligible for them. A few popular companies and their offered discounts can be read below.
| Discount | Allstate | State Farm | Geico | Progressive |
|---|---|---|---|---|
| Bundled policies | Yes | Yes | Yes | Yes |
| Multi-vehicle | No | Yes | Yes | Yes |
| Theft prevention | Yes | Yes | Yes | Yes |
| Anti-lock brakes | Yes | Yes | Yes | No |
| Air bags | Yes | Yes | Yes | No |
| Running lights | No | Yes | Yes | No |
| New car | Yes | Yes | No | No |
| No accidents | Yes | Yes | Yes | Yes |
| Defensive driver | Yes | Yes | Yes | Yes |
| Low mileage | Yes | Yes | No | Yes |
| Military | No | Yes | Yes | Yes |
| Occupational | No | No | Yes | No |
| Pay in full | Yes | No | Yes | Yes |
| Automatic payment | Yes | No | Yes | Yes |
| Loyalty | No | Yes | No | Yes |
| Good student | Yes | Yes | Yes | Yes |
| Distant student | Yes | Yes | No | Yes |
| Own your home | No | No | No | Yes |
| Get Quotes Go | ||||
The example below shows the comparison of insurance costs with and without discounts applied. The prices are based on a female driver, a clean driving record, no at-fault accidents, Rhode Island state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, anti-theft, multiple vehicle, defensive driving course, accident-free, and claim-free discounts applied. When discounts are factored in, the the average amount saved on auto insurance for a Ford F-150 is 15% or $219.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3239,2329],[‘Age 30’, 2225,1613],[‘Age 40’, 2069,1501],[‘Age 50’, 1813,1315],[‘Age 60’, 1751,1269],[‘Age 70’, 2041,1473]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Ford F-150’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
Is the best company Allstate, Geico, State Farm, or Progressive?
If you’re looking for the best insurance for a F-150 pickup in Rhode Island, four good companies to start with are Allstate, Geico, State Farm, and Progressive. Between them, they insure about 50% of all policies written. The data below breaks down some of the ratings and options shoppers can expect to find with each one.
| Allstate | Geico | State Farm | Progressive | |
|---|---|---|---|---|
| Client Satisfaction | 2nd | 1st | 4th | 3rd |
| Number of Discounts | 1st | 2nd | 3rd | 4th |
| Claims Service | 1st | 3rd | 2nd | 4th |
| Price Overall | 4th | 1st | 2nd | 3rd |
| Rating from A.M. Best | A+ | A++ | A++ | A+ |
| Rideshare coverage | Yes | Yes | Yes | Yes |
| Roadside service | Yes | Yes | Yes | Yes |
| Mechanical breakdown insurance | No | Yes | No | Yes |
| New car replacement insurance | Yes | No | No | No |
| Rate for vehicle usage | Yes | No | Yes | Yes |
| Accident forgiveness coverage | Yes | Yes | No | Yes |
| Available in Rhode Island | Yes | Yes | Yes | Yes |
| Types of agents used | Can only buy from Allstate agents | Both online and from Geico agents | State Farm-only agents | Buy online or from an independent agent |
| Number of agents | 11,000+ | 150+ | 18,000+ | 30,000+ |
| Get Quotes Go | ||||
How to find the cheapest car insurance for a Ford F-150
It is possible to find better rates, and here are some of the better money-saving suggestions that can help drivers buy low-cost coverage.
- Earn a discount by not filing claims
- Buying your home and auto policies from the same company can earn a discount
- Do not get traffic tickets
- Having at-fault accidents will increase rates
- Good credit can save money
- Raise comprehensive and collision coverage deductibles
- Shop around and save
That last idea is particularly necessary, as we emphasized in this article. Prices can change considerably in a year, so you should be ready to switch to a new company if a more affordable rate is found. Staying with the same car insurance company is fine, but we do not recommend it if that dedication is costing hundreds of dollars year after year. It takes less than five minutes to shop around to find cheaper auto insurance for a Ford F-150.
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