Best Cheap Insurance for a Ford F-150 in Texas

The likelihood of finding the best cheap insurance for a Ford F-150 in Texas is contingent on many rating factors like the number of years of driving experience you have, the condition of your credit, and deductible levels for physical damage coverage. Drivers in Texas pay on average $1,110 per year for F-150 insurance, but that cost is a projection rating a 30-year-old married female driver that included full physical damage coverage and $500 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 30 years old or even a female, single instead of married, or maybe you want different physical damage deductibles. What seems to be a minor change in the factors used in pricing a policy can result in a massive change in how much insurance for a Ford F-150 costs.

Auto insurance requires individual risk assessment, so the most reliable way to find the cheapest coverage for your Ford is to quote often and with as many companies as possible. Price quotes are quick and you will receive price comparisons from top-rated car insurance companies available.

Compare Ford F-150 Insurance Rates

The trim level of your Ford tends to have a direct effect on the cost of insurance, so the price to insure a F-150 XL Regular Cab 2WD trim level will be $300 less than the price to insure the high end F-150 Lariat Crew Cab Platinum 4WD model, as shown by the rates below.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific location information which can raise or lower auto insurance rates substantially.

Finding dependable, affordable insurance is not always easy, and figuring out which company has the lowest-priced insurance rates for a Ford F-150 will take a bit more work.

Each insurer has a different formula to establish rates, so first we will examine the insurance companies that tend to be cheaper in Texas.

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Travelers has some of the best car insurance rates in Texas at around $1,041 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced Texas insurance companies.

In the rate table above, if you are currently insured with Esurance and switched to USAA, you might achieve yearly savings of in the neighborhood of $284. Texas drivers with California Casualty could save as much as $343 a year, and State Farm customers might realize rate reductions of up to $355 a year.

To get a fast rate comparison, click here or visit any of the companies below.

It’s important to note that these policy prices are averages for all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Ford F-150. So the car insurance company that can offer you the best rate may not even be included in the list of companies above. That is why you need to get rate quotes from many companies using your own driver data and vehicle information.

The example below illustrates how your choice of deductibles can impact premium costs when researching cheap insurance for a Ford F-150. The rates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

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A 30-year-old driver could lower their car insurance rates by $376 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $568 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old example, could save $802 or even more by choosing a higher deductible.

If you make the decision to raise deductibles, it is a good idea to have spare funds to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Progressive, State Farm, Geico, and Allstate: Who is best?

When comparing rates for insurance for a F-150 pickup in Texas, four of the best places to start are Progressive, State Farm, Geico, and Allstate. Each one has different optional coverages and features that add value to each policy. The following table illustrates price and claims rank as well as some different options shoppers can expect to find with each one.

How to get the best cheap insurance for a Ford F-150 in Texas

Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help drivers find more affordable car insurance.

• Higher deductibles mean lower rates
• Clean up your credit
• Safe vehicles generally have lower rates
• Prevent price hikes by avoiding at-fault accidents
• Be a cautious driver
• Shop around for lower rates once a year

The last tip in the list is very necessary, as was noted in the prior information. Prices charged by companies can change considerably based on profitability, so don’t be unwilling to switch companies if a more affordable price is available. We understand brand loyalty, but it’s not recommended if your bullheadedness ends up costing you several hundred dollars every year. Take a couple minutes and compare prices and find cheaper car insurance for a Ford F-150.

Who has the cheapest Ford F-150 insurance quotes?

Drivers have many ways to purchase insurance in Texas, but the most popular are through an independent agent, an exlusive agent such as Allstate or State Farm, or from a direct company like Geico or Progressive. They all follow the same basic process, but each is slightly different in how they give price quotes.

Independent agencies can place your business with multiple companies and can quote your policy with every one. These agents are able to give you more rates, which may provide you with the best shot at cutting your rates. If they quote lower rates, your policy can be moved and you can remain with the same agent.

An exclusive ageny is able to quote prices with just one company like State Farm and Allstate agents. These agents are not able to quote prices from more than just one company, so you will not be able to compare multiple prices.

The third way to buy insurance is direct which means you skip an agent and buy direct online or over the phone from a company like Geico or Esurance. This option is good for drivers who have limited assets and know what specific coverages and deductibles they need.

So which of those three methods works best for finding the best cheap insurance for a Ford F-150 in Texas? Most drivers assume that buying direct results in the best prices because there is no agent involved, but that does not always hold true. It would also be easy to say buying from an independent agent results in the best rates since they have more companies to choose from, but that is not necessarily true either. For some people, the exclusive agents have really good rates well below independent agents AND direct companies.

Because there is so much variation in insurance prices, the best method to ensure the lowest rates is to do a thorough rate comparison. We highly recommend getting price quotes all three ways in order to have the best selection to choose from. A great place to start is our list of online companies offering discounts: click here to view.