Cheap Insurance Quotes for a Ford F-150 in Iowa

Cheap Insurance Quotes for a Ford F-150 in Iowa

Our content editors always give us grief that when writing about auto insurance, the words “cheap” or “affordable” should not appear anywhere in the article to describe car insurance prices. Regardless, cheap car insurance for a Ford F-150 just does not exist. But fear not, because we are going to tell you how you can still find and buy car insurance that is more affordable.

Your chances of finding cheaper car insurance for a Ford F-150 in Iowa depends upon a lot of factors such as miles driven annually, the likelihood of your vehicle being stolen, and any prior driving offenses. Iowa drivers on average pay around $720 annually to buy insurance for a Ford F-150, but that figure is using a 50-year-old married male with both comprehensive and collision coverage and $250 policy deductibles.

It’s more than likely you are not 50 and possibly not even male, single instead of married, and there is a good chance that you need different coverage limits than the exampe. Having just a slight change in the criteria used to calculate rates can cause big differences in how much insurance for a Ford F-150 costs.

Every driver has a different risk profile, so the only real way to find the most affordable coverage for your Ford is to shop your policy around every couple of years.

Cheapest Ford F-150 Insurance Rates

The trim level of your F-150 will likely have an effect on the yearly cost, so the price you pay to insure a F-150 XL Regular Cab 2WD will be $206 less than the cost to insure the higher-end F-150 Lariat Crew Cab Platinum 4WD version, as shown below.

Ford F-150 Insurance Rates in Iowa
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $130 $178 $240 $14 $72 $634 $53
F-150 STX Regular Cab 2WD $130 $226 $240 $14 $72 $682 $57
F-150 XL Super Cab 2WD $130 $226 $240 $14 $72 $682 $57
F-150 XLT Regular Cab 2WD $130 $226 $240 $14 $72 $682 $57
F-150 STX Super Cab 2WD $130 $226 $240 $14 $72 $682 $57
F-150 XL Crew Cab 2WD $150 $226 $240 $14 $72 $702 $59
F-150 XLT Super Cab 2WD $150 $226 $240 $14 $72 $702 $59
F-150 STX Regular Cab 4WD $150 $226 $240 $14 $72 $702 $59
F-150 XL Regular Cab 4WD $150 $226 $240 $14 $72 $702 $59
F-150 FX2 Super Cab 2WD $150 $226 $240 $14 $72 $702 $59
F-150 XLT Crew Cab 2WD $150 $226 $240 $14 $72 $702 $59
F-150 XL Super Cab 4WD $150 $226 $240 $14 $72 $702 $59
F-150 XLT Regular Cab 4WD $150 $226 $240 $14 $72 $702 $59
F-150 XL Crew Cab 4WD $170 $226 $240 $14 $72 $722 $60
F-150 STX Super Cab 4WD $170 $226 $240 $14 $72 $722 $60
F-150 XLT Super Cab 4WD $170 $226 $240 $14 $72 $722 $60
F-150 FX2 2WD $170 $276 $240 $14 $72 $772 $64
F-150 Lariat Super Cab 2WD $170 $276 $240 $14 $72 $772 $64
F-150 Lariat Crew Cab 2WD $170 $276 $240 $14 $72 $772 $64
F-150 FX4 Super Cab 4WD $170 $276 $240 $14 $72 $772 $64
F-150 XLT Crew Cab 4WD $170 $276 $240 $14 $72 $772 $64
F-150 FX4 4WD $170 $276 $240 $14 $72 $772 $64
F-150 Lariat Crew Cab 4WD $170 $276 $240 $14 $72 $772 $64
F-150 SVT Raptor Super Cab 4WD $170 $276 $240 $14 $72 $772 $64
F-150 Lariat Super Cab 4WD $170 $276 $240 $14 $72 $772 $64
F-150 Lariat Crew Cab Platinum 2WD $170 $326 $240 $14 $72 $822 $69
F-150 Lariat Crew Cab Harley 2WD $170 $326 $240 $14 $72 $822 $69
F-150 Lariat King Ranch 2WD $170 $326 $240 $14 $72 $822 $69
F-150 Lariat King Ranch 4WD $188 $326 $240 $14 $72 $840 $70
F-150 Lariat Crew Cab Harley 4WD $188 $326 $240 $14 $72 $840 $70
F-150 Lariat Crew Cab Platinum 4WD $188 $326 $240 $14 $72 $840 $70
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums considerably.

Locating cost effective car insurance is confusing at best, and finding out which insurers offer the best car insurance rates for a Ford F-150 involves a bit more work. Every car insurance company uses a little different formula to set premium rates, so let’s take a look at the most competitive car insurance companies in Iowa.

Cheap Insurance Rates for your F-150

Click to Compare Rates Now

Cheapest Iowa auto insurance companies
Rank Company Cost Per Year
1 USAA $669
2 Partners Mutual $698
3 Western National $809
4 Allied $811
5 Hastings Mutual $880
6 State Farm $891
7 Nationwide $934
8 Farm Bureau Mutual $947
9 Auto-Owners $958
10 Cameron Mutual $1,003
11 GEICO $1,014
12 Travelers $1,030
13 Farmers $1,098
14 Pekin Insurance $1,109
15 Progressive $1,117
16 EMC $1,171
17 American Family $1,203
18 Grinnell $1,230
19 General Casualty $1,235
20 MetLife $1,298
Compare Rates Now Go

USAA normally has some of the most affordable car insurance rates in Iowa at around $669 per year. Partners Mutual, Western National, Allied, and Hastings Mutual also are some of the best Iowa auto insurance companies.

As illustrated above, if you are a customer of Allied and switched to USAA, you might see an annual premium reduction of around $142. Drivers with Hastings Mutual might save as much as $211 a year, and State Farm customers might reduce prices by as much as $222 a year.

Bear in mind that those premiums are averages across all ages of drivers and types of vehicles and and are not figured with a specific rate value for a Ford F-150. So the auto insurance company that is most affordable for your situation may not even be featured in the list of companies above. That is why you need to compare prices as often as possible using your own specific driver and vehicle information.

Get discounts on Iowa insurance rates

Discounts on car insurance for a Ford F-150Insurance companies that provide cheap insurance for a Ford F-150 in Iowa may additionally offer price discounts that could reduce prices by 30% or more if you can meet the requirements. Companies and the discounts they provide include:

Car Insurance Discounts by Company
Discount State Farm Geico Allstate Progressive Liberty Mutual
Bundled policies Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes
Anti-theft Yes Yes Yes Yes Yes
Safe vehicle Yes Yes Yes No Yes
Passive restraint Yes Yes Yes No Yes
New vehicle Yes No Yes No No
Eco vehicle No No Yes No Yes
Safe driver Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes No
Low mileage Yes No Yes Yes Yes
Military Yes Yes No Yes No
Occupational No Yes No No Yes
Pay in full No Yes Yes Yes Yes
Paperless billing No Yes Yes Yes Yes
Customer loyalty Yes No No Yes No
Early sign-up No No Yes No No
Smart student Yes Yes Yes Yes Yes
Student away from home Yes No Yes Yes Yes
Own a home No No No Yes No
Use seat belts No Yes No No No
Quote online No No No Yes No
Compare Prices Now Go

The illustration below shows the comparison of annual premium costs with and without discounts applied to the premium. The premiums are based on a female driver, no violations or claims, Iowa state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, homeowner, vehicle safety, multiple vehicle, multiple policy, and passive restraint discounts applied. When these discounts are applied, the average amount saved each 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’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2033,1465],[‘Age 30’, 1407,1023],[‘Age 40’, 1307,953],[‘Age 50’, 1147,835],[‘Age 60’, 1111,805],[‘Age 70’, 1289,931]]);var options = {title: ‘Insurance Premium 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: [‘#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);}

Cheap Ford F-150 insurance quotes

Drivers have a lot of ways to compare car insurance prices in Iowa, but the most common are either through an exclusive insurance agent like State Farm or Auto-Owners, an independent agent, or buying direct from a company like Progressive or Geico.

They all follow the same basic process, but it’s important to understand the differences in how they give price quotes.

Independent insurance agencies are appointed by several companies and can compare coverage rates with all of them. These agents are appointed with more than one company and can provide multiple price quotes, which may provide you with better odds of saving money. If a cheaper price is found, your policy can be moved and you don’t have to do anything.

An exclusive ageny is only able to place business with one company, two examples are an Auto-Owners or Allstate agent. Exclusive agents cannot compare rates from other companies, so it’s a good idea to shop around.

The third popular method of shopping for car insurance is direct, which means you forego a local insurance agent and instead buy direct online or over the phone from a company like Esurance or Progressive. This option may be good for drivers who do not have a complex risk profile and have an above average understanding of what car insurance covers.

What is the best method to buy cheap insurance for a Ford F-150 in Iowa? We would first guess that buying from a direct car insurance company results in the cheapest rates since that prevents the need to pay agent commissions, but in reality, that argument does not hold true. We could also assume that an independent agent results in the best rates since they can provide multiple quotes, but that’s not always true, either. For some people, the exclusive agents have coverage prices that cannot be met by either independent or direct companies.

Due to that fact that car insurance uses so many rating variables, really the best method to get the cheapest rates is to compare, compare, and compare some more. Experts recommend getting prices from all three to have the best rate selection. For a list of companies offering online discounts in Iowa, click here to view.

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

Here are some of the recommended thrifty ideas that can help you quote cheaper coverage.

  • Do not pay for full coverage on older vehicles
  • Increase deductibles to save money
  • Clean up your credit
  • Buy a vehicle with excellent safety ratings
  • Tickets and violations raise rates
  • Accident-free drivers may qualify for discounts
  • Shop around for lower rates once a year

The last tip in the list is particularly vital, as we hit on in this write-up. Prices can be modified anytime, so drivers shouldn’t be reluctant to change insurance companies if a better rate can be found. Brand loyalty is great, but it isn’t a good idea if that inflexibility results in costing you potentially thousands of dollars a year. If you have a few minutes, compare prices and find cheaper auto insurance for a Ford F-150.