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

When discussing car insurance, the words cheap or affordable should not appear anywhere in the article as a descriptor for auto insurance rates. Be that as it may, cheap auto insurance for a Ford F-150 can be extremely hard to find. But don’t let that discourage you, because there may be ways you can still find coverage that is cheaper than your current policy.

The chances of buying the cheapest auto insurance for a Ford F-150 in South Carolina depends upon a complex formula that considers things such as if you are married or single, your current insurance company, and the level of deductible you choose. South Carolina drivers pay approximately $960 annually for F-150 insurance, but that amount is an estimate using rate data for a 40-year-old married male that wants full physical damage coverage and $500 deductibles.

If we were betting, you are not 40 and possibly not even male, maybe you are single instead of married, or maybe you need higher liability limits than the state minimum. Everyone has different rating factors, so the best method for finding the cheapest insurance price for your Ford is to shop around at every renewal for lower rates.

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The trim level of your vehicle will influence the insurance rate, so the cost to insure a F-150 XL Regular Cab 2WD will be $252 cheaper than the insurance cost for the more expensive F-150 Lariat Crew Cab Platinum 4WD version, as shown below.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in zip code location which can lower or raise auto insurance rates significantly.

Choosing the right company can be difficult considering how many companies sell coverage in South Carolina. The ranking data shown below could help you pick which providers to look at when insurance shopping for a Ford F-150. The rankings below only include large, nationwide insurance companies, so companies with more of a regional focus are not included in the list.

Top 10 Major Auto Insurers in South Carolina Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Major Auto Insurers in South 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 Companies for Ford F-150 Insurance in South Carolina

Responsible drivers pay cheaper auto insurance rates

The easiest way to find cheap insurance for a Ford F-150 in South Carolina is to be a cautious driver and avoid tickets and accidents. The diagram below highlights how traffic violations and fender-benders can affect car insurance rates for each different age category. Data assumes a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

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In the previous chart, the average cost of car insurance in South Carolina per year with no accidents or violations is $1,390. Get one speeding ticket and the average cost surges to $1,622, an increase of $232 each year. Next add two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Ford F-150 jumps again to an average of $3,751. That’s an increase of $2,360, or $197 per month, just for being a careless driver!

Cheapest car insurance: Progressive, Allstate, State Farm, or Geico

When comparing insurance for a F-150 pickup in South Carolina, four of the larger companies to compare rates for are Progressive, Allstate, State Farm, and Geico. Combined they make up almost half of the car insurance market in the United States. All of them offer liability and physical damage protection, but each on has unique coverages that can influence your buying decision. The table below compares and contrasts pricing and service ratings, as well as optional policy coverages you can expect with each one.