Best Cheap Insurance for a Ford F-150 in Florida

Best Cheap Insurance for a Ford F-150 in Florida

Finding cheaper coverage for a Ford F-150 in Florida hinges on things like whether you are married, your geographic location, and citations or violations on your driving record. Drivers in Florida will pay around $1,560 a year to insure a Ford F-150, but that is a ballpark figure that rates a 40-year-old single male driver who purchased full comprehensive and collision coverage and $250 policy deductibles.

Chances are good that you are not 40 years old and maybe not even male, possibly married instead of single, or maybe you need higher liability limits than the state minimum. This shows why the only way to find the cheapest coverage for your Ford is to do the rate comparisons yourself. Rate quotes are easy and you will receive price comparisons from some of the most affordable companies that insure Ford vehicles in Florida.

Compare Rates and Save

The trim level of your vehicle will have an impact the cost of coverage, so the price you pay to insure a F-150 XL Regular Cab 2WD model will be $456 less expensive the price to insure the more costly F-150 Lariat Crew Cab Platinum 4WD version, as demonstrated by the prices below.

Ford F-150 Insurance Rates in Florida
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $276 $402 $504 $30 $152 $1,364 $114
F-150 STX Regular Cab 2WD $276 $514 $504 $30 $152 $1,476 $123
F-150 XL Super Cab 2WD $276 $514 $504 $30 $152 $1,476 $123
F-150 XLT Regular Cab 2WD $276 $514 $504 $30 $152 $1,476 $123
F-150 STX Super Cab 2WD $276 $514 $504 $30 $152 $1,476 $123
F-150 XL Crew Cab 2WD $316 $514 $504 $30 $152 $1,516 $126
F-150 XLT Super Cab 2WD $316 $514 $504 $30 $152 $1,516 $126
F-150 STX Regular Cab 4WD $316 $514 $504 $30 $152 $1,516 $126
F-150 XL Regular Cab 4WD $316 $514 $504 $30 $152 $1,516 $126
F-150 FX2 Super Cab 2WD $316 $514 $504 $30 $152 $1,516 $126
F-150 XLT Crew Cab 2WD $316 $514 $504 $30 $152 $1,516 $126
F-150 XL Super Cab 4WD $316 $514 $504 $30 $152 $1,516 $126
F-150 XLT Regular Cab 4WD $316 $514 $504 $30 $152 $1,516 $126
F-150 XL Crew Cab 4WD $356 $514 $504 $30 $152 $1,556 $130
F-150 STX Super Cab 4WD $356 $514 $504 $30 $152 $1,556 $130
F-150 XLT Super Cab 4WD $356 $514 $504 $30 $152 $1,556 $130
F-150 FX2 2WD $356 $624 $504 $30 $152 $1,666 $139
F-150 Lariat Super Cab 2WD $356 $624 $504 $30 $152 $1,666 $139
F-150 Lariat Crew Cab 2WD $356 $624 $504 $30 $152 $1,666 $139
F-150 FX4 Super Cab 4WD $356 $624 $504 $30 $152 $1,666 $139
F-150 XLT Crew Cab 4WD $356 $624 $504 $30 $152 $1,666 $139
F-150 FX4 4WD $356 $624 $504 $30 $152 $1,666 $139
F-150 Lariat Crew Cab 4WD $356 $624 $504 $30 $152 $1,666 $139
F-150 SVT Raptor Super Cab 4WD $356 $624 $504 $30 $152 $1,666 $139
F-150 Lariat Super Cab 4WD $356 $624 $504 $30 $152 $1,666 $139
F-150 Lariat Crew Cab Platinum 2WD $356 $736 $504 $30 $152 $1,778 $148
F-150 Lariat Crew Cab Harley 2WD $356 $736 $504 $30 $152 $1,778 $148
F-150 Lariat King Ranch 2WD $356 $736 $504 $30 $152 $1,778 $148
F-150 Lariat King Ranch 4WD $398 $736 $504 $30 $152 $1,820 $152
F-150 Lariat Crew Cab Harley 4WD $398 $736 $504 $30 $152 $1,820 $152
F-150 Lariat Crew Cab Platinum 4WD $398 $736 $504 $30 $152 $1,820 $152
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in zip code location which can modify coverage rates noticeably.

Buying coverage from a highly-rated company is hard considering how many choices you have in Florida. The company ratings shown next could help you select which car insurance providers to look at comparing rate quotes with.

The rankings below are for major nationwide insurance companies, so companies that may only write in Florida will not be included in these rankings. To check prices from these top-rated insurers and more, click this link.

Top 10 Major Auto Insurance Providers in Florida Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

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

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top Companies for Ford F-150 Insurance in Florida

Drive responsibly or pay higher rates

One of the best ways to get the most affordable car insurance rates in Florida for a F-150 pickup is to be a cautious driver and not receive tickets or have accidents. The chart below illustrates how speeding tickets and at-fault claims drive up insurance costs for each different age category. The price estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4379,4775,5897],[‘Age 30’, 3071,3465,4591],[‘Age 40’, 2837,3231,4355],[‘Age 50’, 2483,2875,4003],[‘Age 60’, 2395,2789,3915],[‘Age 70’, 2769,3163,4287]]);var options = {title: ‘Impact of Violations and Accidents on Florida 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 Florida’,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);}

In the example above, the average cost of an auto insurance policy in Florida per year with a clean driving record and no accidents is $2,989. Get one speeding ticket and the average cost swells to $3,383, an increase of $394 each year. Now add in one accident along with the one speeding ticket and the yearly cost of car insurance for a Ford F-150 jumps again to an average of $4,508. That’s an increase of $1,519, or $127 per month, just for not being a responsible driver!

How to find the cheapest car insurance for a Ford F-150

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help Florida drivers locate the cheapest car insurance.

  • Discounts for being claim-free can be substantial
  • Violations like speeding or DUI increase rates
  • At-fault accidents can raise rates significantly
  • Bundle home and auto and earn a discount
  • Drive a car with a high safety rating
  • Compare price quotes at least once a year

That last tip is especially valuable, as we emphasized in this write-up. Prices charged by auto insurers vary greatly, so drivers shouldn’t be reluctant to switch carriers if a lower-cost policy is available. Brand loyalty is great, but it isn’t a good idea if that loyalty results in overpaying a wad of cash every year. In just a few minutes you could shop around and find cheaper insurance for a Ford F-150.