Cheapest Insurance Quotes for a Ford F-150 in Oklahoma

Our editors always tell us that when writing about auto insurance, the words “affordable” or “cheap” should not be used anywhere in the article. The fact is, cheap auto insurance for a Ford F-150 can be hard, if not impossible, to find. But don’t despair, because we are going to tell you how you can find and buy coverage that you can afford to pay for.

The odds of finding cheaper auto insurance for a Ford F-150 in Oklahoma depends upon many factors such as if you own the home you live in, what you do for a living, and your choice of physical damage deductibles. Drivers pay around $1,410 a year to buy Ford F-150 insurance, but that amount is a ballpark figure based upon a 50-year-old married male who needs full comprehensive and collision coverage and $100 deductibles.

It’s more than likely that you aren’t exactly 50 years old or even a male, maybe you are single instead of married, and there is a good chance that you need different coverage limits than the exampe. Just a minor difference in policy rating variables can cause significant differences in rate quotes.

There is no perfect policy for every driver, so the most reliable method for finding affordable rates for your Ford is to make a habit of comparing prices at least once a year.

View Ford F-150 Insurance Rates

The specific model of F-150 has an effect on the yearly cost, so the price you will pay to insure a F-150 XL Regular Cab 2WD will be $432 cheaper than the cost to insure the high end F-150 Lariat Crew Cab Platinum 4WD model, as shown below.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in specific garaging location which can change prices greatly.

Finding good, low-cost insurance is not most people’s favorite thing to do, and figuring out which company quotes the lowest-priced auto insurance rates for a Ford F-150 calls for even more perseverance.

Each auto insurer uses their own method to determine premium rates, so we need to take a look at the auto insurance companies with the overall best prices in Oklahoma.

Find the Cheapest Auto Insurance for your F-150

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USAA may offer some of the most affordable car insurance rates in Oklahoma at around $1,161 each year. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto are also some of the best Oklahoma car insurance companies.

In this example, if you have coverage with The Hartford and switched to USAA, you might see savings of in the neighborhood of $212. Oklahoma drivers with Safe Auto may save as much as $216 a year, and Farmers policyholders might lower prices by $275 a year.

If you want to see how much you could save, click here to begin a quote or visit several of the following companies.

Be aware that those policy prices are averages across all types of insureds and vehicles and and are not calculated with a specific rating modification for a Ford F-150. So the auto insurance company that is most affordable for your situation may not even be in the list of companies above. That illustrates why you need to compare prices as often as possible using your own driver and vehicle profiles.

Impact of speeding/accidents on auto insurance rates

In a perfect world, the ideal way to obtain the cheapest insurance for a Ford F-150 in Oklahoma is to pay attention while driving and not get tickets or have accidents. The chart below highlights how speeding tickets and accident claims can impact auto insurance rates for different age groups of insureds. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

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In the chart above, the average cost of a car insurance policy in Oklahoma per year with no accidents or violations is $2,906. Factor in two speeding tickets and the average cost surges to $4,033, an increase of $1,127 each year. Now add one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Ford F-150 jumps again to an average of $5,153. That’s an increase of $2,248, or $187 per month, just for being a less-than-perfect driver!

Discount Oklahoma car insurance rates

Insurance companies that offer the cheapest insurance for a Ford F-150 in Oklahoma may also offer price discounts that could lower prices by as much as 35% if you meet eligibility requirements. A few of the larger companies and some of the premium reductions they offer are shown below.

• GEICO may include discounts for multi-policy, military active duty, good student, five-year accident-free, multi-vehicle, and membership and employees.
• SAFECO may offer discounts for anti-lock brakes, bundle discounts, anti-theft, homeowner, safe driver, and teen safe driver.
• State Farm policyholders can earn discounts including good student, driver’s education, defensive driving training, multiple policy, and multiple autos.
• MetLife may have discounts that include claim-free, defensive driver, accident-free, multi-policy, and good driver.
• 21st Century has discounts for homeowners, anti-lock brakes, student driver, good student, defensive driver, and theft prevention.
• Progressive offers discounts for multi-policy, multi-vehicle, continuous coverage, online signing, homeowner, online quote discount, and good student.

The illustration below illustrates the comparison of auto insurance rates with and without discounts applied to the premium. The prices are based on a male driver, no violations or claims, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, vehicle safety, defensive driving course, anti-theft, multiple policy, and passive restraint discounts applied. When these discounts are applied, the the amount saved on auto insurance for a Ford F-150 is 28% or $793.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4871,3509],[‘Age 30’, 2597,1891],[‘Age 40’, 2545,1845],[‘Age 50’, 2311,1677],[‘Age 60’, 2227,1619],[‘Age 70’, 2691,1943]]);var options = {title: ‘Insurance Rate 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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Oklahoma’,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);}

Who is cheaper: State Farm, Progressive, Geico, or Allstate?

If you are shopping around for insurance for a F-150 pickup in Oklahoma, four companies to take a look at are State Farm, Progressive, Geico, and Allstate. When combined, they insure almost 50% of all car insurance policies written. They all have a slightly different mix of options and features that may influence your choice. The following table illustrates price and claims rank as well as some different options offered by each one.