Cheapest Insurance for a Ford F-150 in Delaware

Cheapest Insurance for a Ford F-150 in Delaware

Our editors have a joke that when writing about auto insurance, the words cheap or affordable should never appear anywhere in the article to describe car insurance rates. It’s just reality that cheap car insurance for a Ford F-150 can be extremely hard to find. But don’t despair, because we can show you some ways you can quote auto insurance that is cheaper than what you have now.

Your chances of buying the best cheap auto insurance for a Ford F-150 in Delaware relies on a lot of rating factors like your date of birth, where your vehicle is garaged, and your choice of deductibles. Drivers in Delaware pay approximately $1,310 per year to buy insurance for a Ford F-150, but that cost is a projection using a 30-year-old single female who requires full physical damage coverage and $1,000 physical damage deductibles.

Most likely you are not 30 and possibly not even female, maybe you are married instead of single, or maybe you’re a renter instead of a homeowner. Just a slight change in rating variables or coverage information can make a huge difference in the cost of a policy.

Every driver has a different risk profile, so the most reliable method for finding the cheapest coverage for your Ford is to regularly compare rates at renewal. Quotes are free and you will be able to see rates from top-rated companies available.

Start Your Free Quote

Your Ford’s trim level tends to have a direct effect on the annual cost of coverage, so the cost to insure a F-150 XL Regular Cab 2WD will be $302 cheaper than the insurance cost for the more expensive F-150 Lariat Crew Cab Platinum 4WD model, as shown in the chart below.

Ford F-150 Insurance Rates in Delaware
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $188 $262 $548 $32 $164 $1,194 $100
F-150 STX Regular Cab 2WD $188 $336 $548 $32 $164 $1,268 $106
F-150 XL Super Cab 2WD $188 $336 $548 $32 $164 $1,268 $106
F-150 XLT Regular Cab 2WD $188 $336 $548 $32 $164 $1,268 $106
F-150 STX Super Cab 2WD $188 $336 $548 $32 $164 $1,268 $106
F-150 XL Crew Cab 2WD $214 $336 $548 $32 $164 $1,294 $108
F-150 XLT Super Cab 2WD $214 $336 $548 $32 $164 $1,294 $108
F-150 STX Regular Cab 4WD $214 $336 $548 $32 $164 $1,294 $108
F-150 XL Regular Cab 4WD $214 $336 $548 $32 $164 $1,294 $108
F-150 FX2 Super Cab 2WD $214 $336 $548 $32 $164 $1,294 $108
F-150 XLT Crew Cab 2WD $214 $336 $548 $32 $164 $1,294 $108
F-150 XL Super Cab 4WD $214 $336 $548 $32 $164 $1,294 $108
F-150 XLT Regular Cab 4WD $214 $336 $548 $32 $164 $1,294 $108
F-150 XL Crew Cab 4WD $242 $336 $548 $32 $164 $1,322 $110
F-150 STX Super Cab 4WD $242 $336 $548 $32 $164 $1,322 $110
F-150 XLT Super Cab 4WD $242 $336 $548 $32 $164 $1,322 $110
F-150 FX2 2WD $242 $408 $548 $32 $164 $1,394 $116
F-150 Lariat Super Cab 2WD $242 $408 $548 $32 $164 $1,394 $116
F-150 Lariat Crew Cab 2WD $242 $408 $548 $32 $164 $1,394 $116
F-150 FX4 Super Cab 4WD $242 $408 $548 $32 $164 $1,394 $116
F-150 XLT Crew Cab 4WD $242 $408 $548 $32 $164 $1,394 $116
F-150 FX4 4WD $242 $408 $548 $32 $164 $1,394 $116
F-150 Lariat Crew Cab 4WD $242 $408 $548 $32 $164 $1,394 $116
F-150 SVT Raptor Super Cab 4WD $242 $408 $548 $32 $164 $1,394 $116
F-150 Lariat Super Cab 4WD $242 $408 $548 $32 $164 $1,394 $116
F-150 Lariat Crew Cab Platinum 2WD $242 $482 $548 $32 $164 $1,468 $122
F-150 Lariat Crew Cab Harley 2WD $242 $482 $548 $32 $164 $1,468 $122
F-150 Lariat King Ranch 2WD $242 $482 $548 $32 $164 $1,468 $122
F-150 Lariat King Ranch 4WD $270 $482 $548 $32 $164 $1,496 $125
F-150 Lariat Crew Cab Harley 4WD $270 $482 $548 $32 $164 $1,496 $125
F-150 Lariat Crew Cab Platinum 4WD $270 $482 $548 $32 $164 $1,496 $125
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can decrease or increase prices noticeably.

Deciphering which company quotes the cheapest insurance rates for a Ford F-150 requires a tad more effort in order to find the best price. Each auto insurer has their own guidelines for filing rates in each state, so let’s examine the most competitive insurance companies in Delaware.

Best Car Insurance Prices for your F-150

Click to Compare Rates Now

What’s the cheapest car insurance in Delaware?
Rank Company Cost Per Year
1 USAA $848
2 Travelers $1,052
3 Nationwide $1,280
4 Atlantic States $1,292
5 Titan $1,344
6 California Casualty $1,345
7 GEICO $1,503
8 Donegal Mutual $1,543
9 National Grange Mutual $1,563
10 MetLife $1,727
11 Progressive $1,835
12 State Farm $1,966
13 Encompass $1,969
14 Allstate $2,920
15 Sentry $3,589
16 Liberty Mutual $6,280
Compare Rates Now Go

USAA may offer some of the cheapest car insurance rates in Delaware at around $848 per year. Travelers, Nationwide, Atlantic States, and Titan would also be considered some of the most economical Delaware insurance companies.

In the rate table above, if you are a customer of Atlantic States and switched to Travelers, you might see a yearly price reduction of in the neighborhood of $240. Insureds with Titan might save as much as $292 a year, and California Casualty insureds might cut rates by $293 a year.

To find the cheapest insurance for a Ford F-150 in Delaware for your vehicle, click here or quote prices from the following companies.

It’s important to note that these policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific rating modification for a Ford F-150. So the company that fits you best may not even be shown in the list above. That underscores the importance of why you need to get rate quotes using your own specific driver and vehicle information.

Price comparison of only insuring for liability

Finding the cheapest insurance for a Ford F-150 in Delaware is important to the majority of drivers, and one good way to buy cheaper insurance is to only buy liability insurance. The information below shows the difference between insurance rates when comparing full coverage to liability only. The premiums assume no accidents, no driving violations, $500 deductibles, single status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3579,1435],[‘Age 30’, 1911,787],[‘Age 40’, 1855,729],[‘Age 50’, 1695,681],[‘Age 60’, 1639,671],[‘Age 70’, 2021,897]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Delaware’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, full coverage costs an additional $2,117 per year over having just liability coverage. That touches on the question when is the right time to remove full coverage. There is no definitive guideline for eliminating physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s settlement value is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $9,500 after paying your policy deductible. If premiums are more than $950 annually for physical damage coverage, then it may be the right time to buy liability only.

How to find low-cost car insurance for a Ford F-150

Below you’ll find a few penny-pinching solutions that can help you find cheap coverage.

  • Staying accident-free helps keep rates low
  • Drive a car with a high safety rating
  • Higher deductibles save money
  • Be a safe driver
  • Increase your credit rating
  • Shop around for cheaper prices

The last tip in the list is remarkably vital, as we discussed in the prior information. Auto insurance prices adjust often, so drivers shouldn’t be resistant to change to a new company if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that loyalty ends up costing lots of hard earned cash every month. It takes less than five minutes to shop around and find cheaper car insurance for a Ford F-150.