Best Cheap Insurance Quotes for a Ford F-150 in Arkansas

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere to describe car insurance rates. It’s a simple fact that cheap car insurance for a Ford F-150 can be extremely hard to find. We’ll try to make it up to you, because we will teach you how you can still find and buy auto insurance that won’t break your budget.

Your chances of buying affordable car insurance for a Ford F-150 in Arkansas depends upon a whole bunch of rating criteria like whether you are a homeower, if you have ever had a coverage lapse, and your driving record. Drivers in Arkansas will pay around $1,030 every 12 months to buy insurance for a Ford F-150, but that policy rate is using cost data for a 30-year-old single male driver that wants full comprehensive and collision coverage and $1,000 deductibles.

If we were betting, you’re not a 30-year-old male, married instead of single, or maybe you’ve had an at-fault accident or two. Having what appears to be a very minor change in price quote data can produce large changes in quoted rates.

Everyone has different rating factors, so the only way to find the most affordable coverage for your Ford is to do your own rate comparisons. Quotes are free and easy and you will receive price comparisons from top-rated companies that offer coverage in Arkansas.

Find Cheaper Ford F-150 Insurance

Vehicle trim level tends to have a direct effect on the cost of insurance, so the price you pay to insure a F-150 XL Regular Cab 2WD will cost $222 less than the price to insure the higher-priced F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the prices below.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can change rates considerably.

Insuring your vehicle with the best insurance company can be a challenge considering how many choices there are in Arkansas. The company rank data shown below can help you select which auto insurance companies you want to consider comparing prices from.

These ratings include major nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for this list. To check prices from these and other competitive companies, click this link.

Top 10 Major Car Insurance Companies Overall in Arkansas

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

Top 10 Major Car Insurance Companies in Arkansas 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. Nationwide

Top Companies for Ford F-150 Insurance in Arkansas

Reckless driving habits raise Arkansas car insurance rates

A great way to maintain the best cheap insurance for a Ford F-150 in Arkansas is to drive safe and avoid accidents and keep your driving record clean. The diagram below highlights how traffic violations and accidents influence insurance costs for different age groups of insureds. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

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 Two Accidents’],[‘Age 20’, 2653,2885,5003],[‘Age 30’, 1371,1603,3721],[‘Age 40’, 1331,1565,3681],[‘Age 50’, 1227,1455,3573],[‘Age 60’, 1203,1435,3549],[‘Age 70’, 1411,1639,3757]]);var options = {title: ‘Effect of Tickets and Accidents on Arkansas 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 Arkansas’,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 an auto insurance policy per year with a clean driving record and no accidents is $1,533. Get written up for one speeding ticket and the average cost rises to $1,764, an increase of $231 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Ford F-150 jumps again to an average of $3,881. That’s an increase of $2,348, or $196 per month, just for not driving attentively!

Discounts on the best cheap insurance for a Ford F-150 in Arkansas

Car insurance companies that provide policies for a Ford F-150 could also offer discounts that can reduce rates by as much as 25% or more if you can meet the requirements. A list of companies and the discounts they provide are outlined below.

The information below shows the comparison of auto insurance costs with and without discounts being applied to the rates. Data assumes a male driver, a clean driving record, no at-fault accidents, Arkansas state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, homeowner, defensive driving course, multiple policy, accident-free, and marriage discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for a Ford F-150 is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3001,2157],[‘Age 30’, 1603,1163],[‘Age 40’, 1555,1125],[‘Age 50’, 1421,1031],[‘Age 60’, 1375,995],[‘Age 70’, 1697,1221]]);var options = {title: ‘Insurance Rate Comparison 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: [‘#6791b9’, ‘#98bee2’],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);}