How Much Does Insurance Cost for a Ford F-150 in Georgia?

When writing about shopping for car insurance, the word “cheap” should never be used as a descriptor for car insurance rates. It’s just reality that cheap auto insurance for a Ford F-150 is just plain contradictory. Don’t let that bother you, though, because we will teach you how you can quote and buy car insurance that you can afford to pay for.

The likelihood of finding cheaper car insurance for a Ford F-150 in Georgia is dependent upon a lot of things such as your marital status, whether you have good credit, and any past driving violations you may have had. Drivers pay an average of $1,240 per year for F-150 insurance, but that figure is a projection using rate data for a 50-year-old married male that included full comprehensive and collision coverage and $100 physical damage deductibles.

If we were betting, you are not 50 and maybe not even a male, you might be single instead of married, and there is a good chance that there are other drivers on your policy. The different assumptions illustrate why the best method for finding affordable rates for your Ford is to comparison shop your policy at each renewal.

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The trim level of your vehicle will be a contributing factor to the cost of insurance, so the price to insure a F-150 XL Regular Cab 2WD model will cost $380 less than the insurance cost for the fancier F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.

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

Finding low-cost auto insurance is challenging, and finding out which company quotes the cheapest car insurance rates for a Ford F-150 requires even more shopping around. Each company has a unique formula to set premium rates, so let’s take a look at the car insurance companies that tend to be cheaper in Georgia.

It’s important that readers know that Georgia car insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Improving your credit score, buying a home instead of renting, or getting caught speeding can cause premium changes resulting in some companies being much higher than others.

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Auto-Owners normally has some of the lowest car insurance rates in Georgia at around $830 annually. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the most economical Georgia auto insurance companies.

In the rate table above, if you buy coverage from The Hartford and switched to Auto-Owners, you might achieve an annual savings of in the neighborhood of $83. Insureds with USAA could save as much as $138 a year, and Central Mutual insureds might lower prices by $339 a year.

Be aware that those premium estimates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Ford F-150. So the car insurance company that fits your situation best may not even be included in the company chart above. That points out the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.

Difference between liability only and full coverage rates

Finding cheap insurance for a Ford F-150 in Georgia is important to the majority of drivers, and one common way to pay lower rates for insurance is to only buy liability insurance. The illustration below visualizes the comparison of insurance rates with full phyical damage coverage and with liability coverage only. The rate quotes are based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 3113,1393],[‘Age 30’, 1665,763],[‘Age 40’, 1603,707],[‘Age 50’, 1471,663],[‘Age 60’, 1429,651],[‘Age 70’, 1783,871]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Georgia’,minValue: 0,format: ‘$###,###’},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 out for all age groups, full coverage costs $1,844 per year more than just insuring for liability. Many of you may wonder when is it safe to stop buying full coverage. There is no written rule to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

There are a few cases where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

How to get discounts on Georgia car insurance rates

Insurance companies that provide cheap insurance for a Ford F-150 in Georgia may provide policy discounts that may potentially lower prices by 30% or more if you qualify. The best car insurance companies and some of the premium reductions they offer are included below.

The information below visualizes the comparison of insurance rates with and without discounts applied to the premium. The data assumes a male driver, no violations or claims, Georgia state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, safe-driver, anti-theft, marriage, defensive driving course, and multiple vehicle discounts applied. When discounts are applied, the average savings per year on car insurance for a Ford F-150 is 14% or $243.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3357,2407],[‘Age 30’, 1779,1289],[‘Age 40’, 1729,1249],[‘Age 50’, 1581,1143],[‘Age 60’, 1535,1107],[‘Age 70’, 1901,1365]]);var options = {title: ‘Effect of Discounts on Insurance Rates 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);}

Who has the cheapest Ford F-150 insurance quotes?

Thanks to technology, there are a lot of ways to quote and buy car insurance in Georgia, but the most popular ways are using an independent or non-exclusive agent, an exlusive agent like State Farm or Auto-Owners, or buying direct from a company like Progressive or Geico. They all have the same basic principle, but shoppers should understand the differences in how they price policies.

Independent insurance agencies are appointed by several companies and can compare rates with every one. They are not restricted to one company and can give you a larger rate selection, which can give you improved odds of finding cheaper coverage. If your premiums go up, they simply switch companies in-house without you having to go to a different agency.

A captive, or exclusive, agent is restricted to quoting rates for just one company, a couple examples are Allstate or State Farm agents. This type of agents cannot compare rates from other companies, so keep that in mind.

The last way is buying direct, which means you forego an exlusive or independent agent and instead buy direct either online or via phone. This option may be good for families who do not need high amounts of coverage and have knowledge of the limitations of car insurance.

So which method is best to buy cheap insurance for a Ford F-150 in Georgia? It would be obvious to point out buying from a direct car insurance company yields the cheapest rates because there is no agent taking a commission, but that does not always hold true. We’d also like to say using an independent agent is the best way to save because they can quote many companies, but that assumption is also not accurate. For some people, exclusive agents have coverage prices that are impossible to beat.

Due to the fact that car insurance rates vary so much, really the best method to ensure you are not overpaying for car insurance is to obtain price quotes and compare them. To cover all the bases, get quotes from all three types to give yourself the best selection. For a list of companies with cheap rates in Georgia, click here to view.