Cheapest Insurance for a Ford F-150 in Missouri

Finding cheaper coverage for a Ford F-150 in Missouri is contingent on a complicated equation that takes into consideration things like if you own your home, if you have ever had a coverage lapse, and any driving offenses on your record. Drivers in Missouri on average will pay $780 annually to buy Ford F-150 insurance, but that policy rate is a valuation using rating data for a 30-year-old married male driver that included full comprehensive and collision coverage and $500 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you are not exactly 30 years old and possibly not even male, single instead of married, and you probably do not live in the same zip code as the example. Just a slight change in policy rating criteria or coverages can cause big changes in price quotes.

Auto insurance requires individual risk assessment, so your best chance at finding the cheapest rates for your Ford is to just take the time to compare rates yourself.

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The specific model of F-150 will have an impact the cost of coverage, so the cost to insure a F-150 XL Regular Cab 2WD model will be $214 less expensive the insurance cost for the more costly F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific Missouri garaging location which can decrease or increase coverage prices considerably.

Picking a good quality car insurance provider is difficult considering how many choices you have in Missouri. The ranking information in the lists below can help you choose which auto insurance companies you want to consider when comparing rates. The ratings below are only comprised of companies with a nationwide focus, so companies that may only write in Missouri are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in Missouri Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Top 10 Large Car Insurance Companies in Missouri Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Top Companies for Ford F-150 Insurance in Missouri

Illustration showing the impact of accidents and violations

The recommended way to score the most affordable insurance premiums in Missouri for a F-150 pickup is to be a safe driver and avoid accidents and keep your driving record clean. The illustration below demonstrates how traffic citations and at-fault accidents can influence insurance premiums for each age group. The data is based on a married male driver, comp and collision included, $100 deductibles, and no 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 One Accident’],[‘Age 20’, 2739,2975,3625],[‘Age 30’, 1449,1681,2335],[‘Age 40’, 1391,1623,2277],[‘Age 50’, 1271,1505,2155],[‘Age 60’, 1247,1481,2135],[‘Age 70’, 1421,1655,2305]]);var options = {title: ‘Accidents, Violations, and Missouri 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 Missouri’,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 chart above, the average cost of a car insurance policy in Missouri per year with no accidents or violations is $1,586. Add in one speeding ticket and the average cost rises to $1,820, an increase of $234 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance for a Ford F-150 jumps again to an average of $2,472. That’s an increase of $886, or $74 per month, just for not maintaining a clean driving record!

Don’t stick with an overpriced policy

Missouri insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply turning a year older, buying a home, or getting a driving violation can trigger rate changes that can now make some companies more affordable than before. Not only may your situation change, but auto insurance companies file new rates without warning to help ensure profitability. Higher than normal claims may cause high rates, while a better loss history can cause more affordable F-150 insurance rates.

To illustrate this example, the graph below shows rates for the cheapest car insurance in Missouri for a 40-year-old female driver with no accidents, a clean driving record, and a good credit history. When comparing rates based on her current risk profile, USAA may offer the cheapest car insurance rates in Missouri at $648 annually. This is $614 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and MO Farm Bureau are also on the list of the most affordable Missouri auto insurance companies.

google.charts.setOnLoadCallback(drawMOWitcqcibChart);function drawMOWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 648, ‘#659500’],[‘The Hartford’, 809, ‘#547C00’],[‘Allied’, 841, ‘#466700’],[‘Electric’, 867, ‘#3A5500’],[‘MO Farm Bureau’, 1021, ‘#304600’]]);var options = {title: ‘Best Auto Insurance Rates for a Ford F-150’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1121,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The next chart shows rates after we give the driver from the first set of rates an accident surcharge, a lower credit rating, and a speeding citation. Since each insurance company has a unique formula to establish rates, getting updated rate quotes most likely will result in a different list of cheap Missouri auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawMOWcqcibChart);function drawMOWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1130.8, ‘#F58700’],[‘Nationwide’, 1207.8, ‘#CC7000’],[‘Farmers’, 1215.5, ‘#AA5D00’],[‘Allied’, 1261.5, ‘#8D4D00’],[‘Cameron Mutual’, 1282.6, ‘#754000’]]);var options = {title: ‘Car Insurance Rates with Claims and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1382.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Travelers now has the best insurance rate in Missouri with Nationwide, Farmers, Allied, and Cameron Mutual now rounding out the top five. This demonstrates why Missouri drivers need to perform an extensive rate comparison to get affordable auto insurance rates for a Ford F-150. Car insurance prices can be altered by many things and can decrease or increase without notice, so the most affordable company a year ago may now cost much more than other companies.

How to get the cheapest insurance for a Ford F-150 in Missouri

Here are some money-saving suggestions that can help Missouri drivers find low-cost coverage.

• Raise your physical damage coverage deductibles
• Don’t have frequent claims
• Drivers with good credit ratings often pay less
• At-fault accidents can raise rates significantly
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Bundle home or renters insurance to earn a discount on car insurance
• Compare prices frequently to find the best deal

The last idea is extremely crucial, as was stressed in the prior article. Coverage rates vary greatly, so don’t hesitate to switch carriers if a lower-cost policy is available.

Having a favorite company is fine, but it’s not a good idea if that inflexibility results in costing you money that could be spent on other things. It only takes a couple minutes to shop around to find cheaper insurance for a Ford F-150.

Who has the cheapest Ford F-150 insurance quotes?

You have many ways to find lower-cost insurance in Missouri, but the three most common are through an exclusive agency like State Farm or Liberty Mutual, an independent agent, or buying direct from a company like Geico or Progressive.

They all have the same basic principle, but it’s important to understand the differences in how they price policies.

Independent insurance agencies work with multiple companies and can get policy pricing from every one. These types of agents are appointed with more than one company and can provide you with more rate quotes, which may provide you with the best idea of how your rates compare. If cheaper coverage is found, your agent can switch companies without you having to go to a different agency.

Exclusive agents are usually just provide rates from a single insurance company, two of the more popular are Liberty Mutual and Allstate agents. They generally cannot provide a range of price quotes, so it’s a good idea to shop around.

Consumers who buy insurance direct skip a local insurance agent and instead buy direct either online or via phone. Shopping for insurance direct may be a decent choice consumers who do not need high levels of coverage and have a decent understanding of what coverage limits and deductibles they need.

Which method is best to find the cheapest insurance for a Ford F-150 in Missouri? Most drivers assume that buying from a direct car insurance company saves the most money since that prevents the need to pay agent commissions, but in reality, that is not the case. And we’d like to say an independent agency results in the cheapest rates because they can shop around, but again, that’s not accurate. For the right applicant, exclusive agencies may have prices that are impossible to beat.

Because there is so much variation in insurance prices, the only true way to not overpay for insurance is to get as many comparison quotes as possible. Put in the effort to get rate quotes from all three in order to be able to find the lowest price. A great place to start is our list of online companies offering discounts: click here to view.