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

Your chances of finding cheaper insurance for a Ford F-150 in Virginia depends on lots of different factors like your age, if you have ever let your policy lapse, and whether or not you are a good driver. Drivers in Virginia pay an average rate of $770 each year to buy Ford F-150 insurance, but that rate is calculated based on a 50-year-old single female driver that purchased full coverage including both comprehensive and collision and $500 physical damage deductibles.

Chances are that you are not a 50-year-old female, married instead of single, and you possibly have other drivers on your policy that need factored in. Having just a slight change in the rating input factors can result in big changes in price quotes.

Auto insurance is unique to every driver, so the only way to find cheap auto insurance rates for your Ford is to start the habit of comparing rates at least once a year.

Find Cheaper Ford F-150 Insurance

The trim level of your F-150 will have an impact the insurance rate, so the price to insure a F-150 XL Regular Cab 2WD trim level will be $194 less expensive the cost to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD model, as shown in the table below.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can lower or raise coverage rates greatly.

Finding decent, cost effective car insurance is tough enough, and figuring out which companies offer the best car insurance rates for a Ford F-150 calls for a little more work.

Every insurance company uses a little different formula to determine premium rates, so let’s begin by taking a look at the car insurance companies with the most affordable rates in Virginia. It’s important that you understand Virginia car insurance rates are determined by lots of factors which can substantially change the price you pay. Things like having a birthday, moving to a new city, or getting into an accident may prompt premium changes that can cause some rates to be more affordable than others.

Find the Best Cheap Insurance for your F-150

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Travelers has some of the most affordable car insurance rates in Virginia at around $679 annually. USAA, Penn National, Cincinnati Insurance, and Utica National are also some of the best Virginia car insurance companies.

As shown above, if you are a policyholder with Utica National and switched to USAA, you might realize savings of in the neighborhood of $93. Policyholders with Auto-Owners might save as much as $100 a year, and Erie insureds might cut rates by $100 a year.

To see how much you can save, click here to start a quote or click through to the companies below.

Be aware that those estimates are averages across all ages of drivers and types of vehicles and do not factor in a specific rate value for a Ford F-150. So the company that can offer you the best rate may not even be in the above list. That emphasizes why you need to compare rates from multiple companies using your own specific driver and vehicle information.

The illustration below demonstrates how deductible levels can raise or lower insurance prices when getting quotes for cheap insurance for a Ford F-150. The rates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

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As shown above, a 50-year-old driver could lower rates by $252 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $384 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, have the ability to save $624 annually by choosing a larger deductible amount. If you do raise deductibles, it is necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Get discounts on Virginia insurance

Car insurance companies that offer cheap insurance for a Ford F-150 in Virginia may provide policy discounts that could potentially reduce rates by as much as 40% or more if you qualify. Large car insurance companies and some of their more popular discounts are detailed below.

• GEICO includes discounts for emergency military deployment, air bags, multi-policy, daytime running lights, and anti-lock brakes.
• USAA may offer discounts for safe driver, military installation, driver training, good student, multi-vehicle, loyalty savings, and vehicle storage.
• Progressive may include discounts for online quote discount, multi-vehicle, continuous coverage, homeowner, and online signing.
• American Family offers discounts including TimeAway discount, multi-vehicle, Steer into Savings, mySafetyValet, good driver, accident-free, and early bird.
• Esurance policyholders can earn discounts including emergency road assistance, homeowner, online quote, anti-lock brakes, online shopper, and renters.
• Farmers Insurance offers discounts for distant student, youthful driver, good student, pay in full, business and professional, multi-car, and alternative fuel.
• State Farm has discounts for safe vehicle, good student, accident-free, good driver, anti-theft, and student away at school.

The diagram below visualizes the comparison of insurance prices with and without discounts. The premiums assume a female driver, a clean driving record, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, passive restraint, anti-theft, multiple vehicle, marriage, and accident-free discounts applied. When drivers take advantage of discounts, the the average amount saved on car insurance for a Ford F-150 is 28% or $386.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2065,1487],[‘Age 30’, 1415,1027],[‘Age 40’, 1319,957],[‘Age 50’, 1153,839],[‘Age 60’, 1117,809],[‘Age 70’, 1307,941]]);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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Virginia’,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);}