Cheapest Insurance Quotes for a Ford F-150 in North Carolina

Cheapest Insurance Quotes for a Ford F-150 in North Carolina

The chances of buying cheap insurance for a Ford F-150 in North Carolina is dependent upon a complex rating formula that takes into consideration things like whether you are married or single, your credit history, and citations or violations on your driving record. Drivers in North Carolina pay approximately $800 each year to insure a Ford F-150, but that price is a ballpark figure that rates a 30-year-old single female that included comprehensive and collision coverage and $1,000 deductibles.

There is a good chance you’re not a 30-year-old female, maybe you are married instead of single, or maybe you’ve had an at-fault accident or two. Every auto insurance policy is unique to the driver, so your best chance at finding cheap car insurance rates for your Ford is to do your own rate comparisons. Rate quotes are easy and you will receive rate quotes from the cheapest companies around.

Compare Ford F-150 Insurance Rates

The trim level of your vehicle will influence the annual cost of coverage, so the price you will be charged to insure a F-150 XL Regular Cab 2WD model will be $186 lower than the cost to insure the more costly F-150 Lariat Crew Cab Platinum 4WD model, as shown by the rates below.

Ford F-150 Insurance Rates in North Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $114 $162 $336 $20 $100 $732 $61
F-150 STX Regular Cab 2WD $114 $206 $336 $20 $100 $776 $65
F-150 XL Super Cab 2WD $114 $206 $336 $20 $100 $776 $65
F-150 XLT Regular Cab 2WD $114 $206 $336 $20 $100 $776 $65
F-150 STX Super Cab 2WD $114 $206 $336 $20 $100 $776 $65
F-150 XL Crew Cab 2WD $132 $206 $336 $20 $100 $794 $66
F-150 XLT Super Cab 2WD $132 $206 $336 $20 $100 $794 $66
F-150 STX Regular Cab 4WD $132 $206 $336 $20 $100 $794 $66
F-150 XL Regular Cab 4WD $132 $206 $336 $20 $100 $794 $66
F-150 FX2 Super Cab 2WD $132 $206 $336 $20 $100 $794 $66
F-150 XLT Crew Cab 2WD $132 $206 $336 $20 $100 $794 $66
F-150 XL Super Cab 4WD $132 $206 $336 $20 $100 $794 $66
F-150 XLT Regular Cab 4WD $132 $206 $336 $20 $100 $794 $66
F-150 XL Crew Cab 4WD $148 $206 $336 $20 $100 $810 $68
F-150 STX Super Cab 4WD $148 $206 $336 $20 $100 $810 $68
F-150 XLT Super Cab 4WD $148 $206 $336 $20 $100 $810 $68
F-150 FX2 2WD $148 $250 $336 $20 $100 $854 $71
F-150 Lariat Super Cab 2WD $148 $250 $336 $20 $100 $854 $71
F-150 Lariat Crew Cab 2WD $148 $250 $336 $20 $100 $854 $71
F-150 FX4 Super Cab 4WD $148 $250 $336 $20 $100 $854 $71
F-150 XLT Crew Cab 4WD $148 $250 $336 $20 $100 $854 $71
F-150 FX4 4WD $148 $250 $336 $20 $100 $854 $71
F-150 Lariat Crew Cab 4WD $148 $250 $336 $20 $100 $854 $71
F-150 SVT Raptor Super Cab 4WD $148 $250 $336 $20 $100 $854 $71
F-150 Lariat Super Cab 4WD $148 $250 $336 $20 $100 $854 $71
F-150 Lariat Crew Cab Platinum 2WD $148 $296 $336 $20 $100 $900 $75
F-150 Lariat Crew Cab Harley 2WD $148 $296 $336 $20 $100 $900 $75
F-150 Lariat King Ranch 2WD $148 $296 $336 $20 $100 $900 $75
F-150 Lariat King Ranch 4WD $166 $296 $336 $20 $100 $918 $77
F-150 Lariat Crew Cab Harley 4WD $166 $296 $336 $20 $100 $918 $77
F-150 Lariat Crew Cab Platinum 4WD $166 $296 $336 $20 $100 $918 $77
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in garaging location in North Carolina which can modify rates noticeably.

Buying coverage from a highly-rated auto insurance provider is difficult considering how many different companies sell coverage in North Carolina. The information shown below could help you pick which coverage providers to look at when trying to find cheaper insurance for a Ford F-150. These ratings are only comprised of major nationwide insurance companies, so companies that have a smaller presence are not included in the list.

Top 10 Large Auto Insurers in North Carolina Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Large Auto Insurers in North Carolina Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

Top Companies for Ford F-150 Insurance in North Carolina

Careless driving habits raise North Carolina auto insurance rates

The recommended way to earn the best auto insurance premiums in North Carolina for a F-150 pickup is to drive attentively and not get tickets or have accidents. The example below illustrates how violations and accident claims can affect insurance costs for each different age group. The prices are based on a married female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

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The data above shows the average cost of an auto insurance policy in North Carolina per year with no accidents or violations is $1,121. Get written up for two speeding tickets and the average cost swells to $1,587, an increase of $466 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Ford F-150 increases to an average of $2,046. That’s an increase of $924, or $77 per month, just for not keeping your driving record clean!

Who has the cheapest Ford F-150 insurance quotes?

Consumers have many ways to find affordable auto insurance in North Carolina, but the three most common ways are from an independent or non-exclusive agent, an exclusive insurance agency such as State Farm or Allstate, or direct from companies such as Geico or Progressive. All three ways are similar, but it’s important to point out the distinctions in how they work.

Independent agencies work with multiple companies and can compare rates with each one. Independent agents are not employed by one specific company and can give you more rate choices, which may give you a better chance of finding cheaper coverage. If you are not satisfied with one company, your policy can be easily switched to a new company which makes it easier to save money.

An exclusive ageny is able to quote prices with one company, for example a State Farm or Farmers agent. These agents are not able to provide a range of price quotes, so keep that in mind.

The last way is buying direct, which means you do not use local insurance agents and buy from a direct company like Geico or Progressive. Buying auto insurance direct can be a good choice for people who have lower risk management needs and have a good understanding of what limits they need.

What is the best method for finding the cheapest insurance for a Ford F-150 in North Carolina? It would be obvious to point out buying from a direct car insurance company results in the best prices because there isn’t an agent involved, but that is not always the case. And we’d like to say going through an independent agent results in the cheapest rates due to having more companies to select from, but that assumption is also not accurate. For the right applicant, exclusive agents have price quotes that are the lowest in North Carolina.

Because it’s impossible to say who has the best auto insurance rates, really the only way to ensure the lowest rates is to do a thorough rate comparison. Set aside the time to get rate quotes from independent agents, exclusive agents, and direct companies in order to find the best price. For a list of companies with online discounts, click here to view.

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

Here are a few penny-pinching suggestions that can help North Carolina drivers locate cheap coverage.

  • Do not pay for full coverage on older vehicles
  • Do not get into accidents that are your fault
  • Raise your physical damage coverage deductibles
  • Pay lower rates with good credit
  • Buy safe vehicles
  • Be a safe driver
  • Shop around for cheaper prices often

That last idea is remarkably valuable, as was noted in this write-up. Insurance rates in North Carolina can change in a short period of time, so don’t hesitate to buy from a different company if a cheaper rate is available. Loyalty to a specific company is fine, but it’s not a good idea if it’s costing you money that could be spent on other things. If you have a few minutes, compare rates and find cheaper auto insurance for a Ford F-150.