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

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

When the topic is auto insurance, the word cheap should not be used anywhere to describe car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Ford F-150 can be difficult to find. But don’t let that discourage you, because we can show you some ways you can find and buy auto insurance that is cheaper than your current policy.

Finding affordable auto insurance for a Ford F-150 in North Dakota depends upon a lot of rating criteria like how you use your vehicle, whether or not you garage your vehicle, and blemishes on your driving record. Drivers in North Dakota on average pay approximately $1,010 a year for F-150 insurance, but that amount is a ballpark figure rating a 40-year-old single male who requires full physical damage coverage and $500 policy deductibles.

More than likely, you are not exactly 40 years old and possibly not even male, possibly married instead of single, or maybe you are just looking for cheap liability insurance. Every policy is rated specifically for the driver, so the best way to find cheap car insurance rates for your Ford is to do the rate comparisons yourself. Quotes are free and you will get price quotes from some of the best insurers available.

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The trim level of your vehicle will have an impact the yearly cost, so the rate you will pay to insure a F-150 XL Regular Cab 2WD model will be $266 lower than the price to insure the high end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the chart below.

Ford F-150 Insurance Rates in North Dakota
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $162 $236 $366 $22 $110 $896 $75
F-150 STX Regular Cab 2WD $162 $300 $366 $22 $110 $960 $80
F-150 XL Super Cab 2WD $162 $300 $366 $22 $110 $960 $80
F-150 XLT Regular Cab 2WD $162 $300 $366 $22 $110 $960 $80
F-150 STX Super Cab 2WD $162 $300 $366 $22 $110 $960 $80
F-150 XL Crew Cab 2WD $186 $300 $366 $22 $110 $984 $82
F-150 XLT Super Cab 2WD $186 $300 $366 $22 $110 $984 $82
F-150 STX Regular Cab 4WD $186 $300 $366 $22 $110 $984 $82
F-150 XL Regular Cab 4WD $186 $300 $366 $22 $110 $984 $82
F-150 FX2 Super Cab 2WD $186 $300 $366 $22 $110 $984 $82
F-150 XLT Crew Cab 2WD $186 $300 $366 $22 $110 $984 $82
F-150 XL Super Cab 4WD $186 $300 $366 $22 $110 $984 $82
F-150 XLT Regular Cab 4WD $186 $300 $366 $22 $110 $984 $82
F-150 XL Crew Cab 4WD $210 $300 $366 $22 $110 $1,008 $84
F-150 STX Super Cab 4WD $210 $300 $366 $22 $110 $1,008 $84
F-150 XLT Super Cab 4WD $210 $300 $366 $22 $110 $1,008 $84
F-150 FX2 2WD $210 $366 $366 $22 $110 $1,074 $90
F-150 Lariat Super Cab 2WD $210 $366 $366 $22 $110 $1,074 $90
F-150 Lariat Crew Cab 2WD $210 $366 $366 $22 $110 $1,074 $90
F-150 FX4 Super Cab 4WD $210 $366 $366 $22 $110 $1,074 $90
F-150 XLT Crew Cab 4WD $210 $366 $366 $22 $110 $1,074 $90
F-150 FX4 4WD $210 $366 $366 $22 $110 $1,074 $90
F-150 Lariat Crew Cab 4WD $210 $366 $366 $22 $110 $1,074 $90
F-150 SVT Raptor Super Cab 4WD $210 $366 $366 $22 $110 $1,074 $90
F-150 Lariat Super Cab 4WD $210 $366 $366 $22 $110 $1,074 $90
F-150 Lariat Crew Cab Platinum 2WD $210 $430 $366 $22 $110 $1,138 $95
F-150 Lariat Crew Cab Harley 2WD $210 $430 $366 $22 $110 $1,138 $95
F-150 Lariat King Ranch 2WD $210 $430 $366 $22 $110 $1,138 $95
F-150 Lariat King Ranch 4WD $234 $430 $366 $22 $110 $1,162 $97
F-150 Lariat Crew Cab Harley 4WD $234 $430 $366 $22 $110 $1,162 $97
F-150 Lariat Crew Cab Platinum 4WD $234 $430 $366 $22 $110 $1,162 $97
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in zip code location which can increase or decrease coverage rates noticeably.

Ending up with a good quality insurer is hard considering how many choices there are in North Dakota. The company information in the next section could help you select which companies to look at purchasing a policy from. The rankings below are only comprised of the largest companies in the United States, so companies without a large exposure will not be included in this list.

Top Auto Insurance Companies for a Ford F-150
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
State Farm 91 94 80 88% A++ 90.2
Safeco Insurance 90 93 88 86% A 90.2
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

How to get discounts on North Dakota auto insurance rates

Auto insurance for a F-150 pickup in North DakotaAuto insurance companies that sell the cheapest insurance for a Ford F-150 in North Dakota may also offer discounts that can reduce rates by as much as 35% or more if you can meet the requirements. Companies and some of the premium reductions they offer include:

Auto Insurance Discounts for Popular Insurers
Discount Allstate State Farm Progressive Geico Nationwide Liberty Mutual Farmers
Bundle discount Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes No Yes No Yes No
Air bags Yes Yes No Yes Yes Yes Yes
Daytime running lights No Yes No Yes No No Yes
New car Yes Yes No No Yes No Yes
No accidents Yes Yes Yes Yes Yes No Yes
Defensive driver Yes Yes Yes Yes Yes No Yes
Military No Yes Yes Yes No No Yes
Occupational No No No Yes Yes Yes Yes
Full payment Yes No Yes Yes Yes Yes Yes
Email statements Yes No Yes Yes Yes Yes Yes
Customer loyalty No Yes Yes No Yes No Yes
Good grades Yes Yes Yes Yes Yes Yes Yes
Student away from home Yes Yes Yes No Yes Yes Yes
Own a home No No Yes No No No Yes
Seat belt use No No No Yes No No No
Quote online No No Yes No No No No
Teen driver No No Yes No No Yes No
Federal employee No No No Yes No No No
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The example below shows the comparison of insurance rates with and without some available policy discounts. The rates are based on a male driver, no violations or accidents, North Dakota state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, marriage, claim-free, vehicle safety, and multiple vehicle discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for a Ford F-150 is 13% or $217.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3275,2359],[‘Age 30’, 1727,1259],[‘Age 40’, 1699,1235],[‘Age 50’, 1545,1123],[‘Age 60’, 1493,1083],[‘Age 70’, 1809,1307]]);var options = {title: ‘Effect of Discounts on Insurance Price 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);}

Is State Farm, Progressive, Geico, or Allstate cheaper?

If you are shopping around for insurance for a F-150 pickup, the companies that insure more vehicles than anyone else are State Farm, Progressive, Geico, and Allstate. When added together, they insure almost 50% of all car insurance policies written. They all have different optional coverages and features that may steer you one way or another. The following table ranks ratings and policy coverage options offered by each company.

Top U.S. Car Insurance Company Ratings
State Farm Progressive Geico Allstate
Price Overall 2nd 3rd 1st 4th
Overall Satisfaction 4th 3rd 1st 2nd
Discounts Offered 3rd 4th 2nd 1st
Claims Rank 2nd 4th 3rd 1st
Market share percentage 18.3% 8.8% 11.4% 10%
A.M. Best rating A++ A+ A++ A+
Coverage for ridesharing Yes Yes Yes Yes
Mechanical breakdown insurance No Yes Yes No
Roadside assistance Yes Yes Yes Yes
Usage-based insurance Yes Yes No Yes
New car replacement coverage No No No Yes
Accident forgiveness coverage No Yes Yes Yes
Types of agents used State Farm-only agents Buy online or from an independent agent Can buy online or use a Geico agent Allstate exclusive agents
Number of agents 18,000+ 30,000+ 150+ 11,000+
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Who has the cheapest Ford F-150 insurance quotes?

You have a lot of ways to quote and buy auto insurance in North Dakota, but the most prevalent are through an independent or non-exclusive agent, a captive (or exclusive) agent like Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico.

They all have the same end result, but each is different in how they price policies.

Independent agencies work for many companies and can get rate quotes from every one. Agents of this type are appointed with more than one company and can get prices from more than one company, which may give you a better chance of saving money. If your agent finds a cheaper company, it’s easy for the agent to move the policy which prevents you from having to find a new agency.

A captive, or exclusive, agent is ‘exlusive’ to a single company, examples being a State Farm or Liberty Mutual agent. Exclusive agents cannot compare other company’s rates, so you will not be able to compare other companys’ rates.

Consumers who buy auto insurance direct bypass an independent or exclusive agent and buy direct online or over the phone from a company like Geico or Progressive. This auto insurance option can be good for consumers who do not have a need for a risk management assessment and have an above average understanding of how their policy works.

What is the best way for finding the cheapest insurance for a Ford F-150 in North Dakota? Our initial answer would be buying from a direct company saves the most money since there is no need to pay agent commissions, but that turns out to not be true. We could also say that going through an independent agent guarantees the lowest rates due to more options, but that is not necessarily true either. In many cases, exclusive agents have really good rates that cannot be met by either independent or direct companies.

Since auto insurance prices vary so much, the one way to ensure you are not overpaying is to obtain price quotes and compare them. The best approach is to get quotes from all three in order to find the best price. For a list of companies with some of the cheapest North Dakota auto insurance rates, click here to view.