Best Cheap Insurance Quotes for a Ford F-150 in Wisconsin

The likelihood of finding affordable car insurance for a Ford F-150 in Wisconsin depends on a calculation that uses factors such as your birth date, the performance level of your vehicle, and citations or violations on your driving record. Drivers pay an average of $840 a year to insure their F-150, but that amount is an approximation calculated using a 30-year-old single female that has full coverage including both comprehensive and collision and $500 policy deductibles.

More than likely, you are not 30 and possibly not even female, possibly married instead of single, or maybe you live in a different part of Wisconsin than the example. Every driver has different characteristics, so the only way to find the cheapest insurance price for your Ford is to take your time and compare rates from as many companies as possible.

Find Cheaper Ford F-150 Insurance

The trim level of your Ford will influence the cost of coverage, so the rate you pay to insure a F-150 XL Regular Cab 2WD will cost $220 less than the insurance cost for the more well-appointed F-150 Lariat Crew Cab Platinum 4WD version, as shown by the rates below.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in garaging location in Wisconsin which can influence rates greatly.

Finding the best auto insurance company is hard considering how many companies there are in Wisconsin. The company rank data listed below can help you analyze which companies to look at comparing prices from.

The rankings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not taken into consideration for this list. To get price quotes from these top-rated insurers and more, click here.

Top 10 Major Car Insurance Companies in Wisconsin Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Major Car Insurance Companies in Wisconsin Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Allstate – A+

Top Companies for Ford F-150 Insurance in Wisconsin

The example below highlights how deductible choice can raise or lower premium costs when searching for cheap insurance for a Ford F-150. The rates are based on a married male driver, full coverage, and no discounts are applied to the premium.

A 50-year-old driver could lower their car insurance rates by $168 a year by increasing from a $100 deductible up to a $500 deductible, or save $254 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, could roll back prices up to $554 every year just by using higher deductibles.

When using a larger deductible, it is a good idea to have enough spare savings to be able to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Rate difference between full and liability-only coverage

Finding the best cheap insurance for a Ford F-150 in Wisconsin should be important to most drivers, and a great way to lower the cost of insurance is to buy only liability coverage. The chart below illustrates the comparison of insurance rates with full physical damage coverage compared to only buying liability only. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no discounts are taken into consideration.

Averaged for all age groups, full coverage costs $1,188 per year more than just buying liability only. Many of you may wonder if physical damage coverage is worth the money. There isn’t a steadfast formula for eliminating comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s claim settlement value is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $10,000 after you pay the deductible. If you are paying more than $1,000 a year for your policy with full coverage, then you might want to think about dropping full coverage.

Company comparison: Allstate vs State Farm vs Geico vs Progressive

When shopping for insurance for a F-150 pickup in Wisconsin, four companies to definitely compare rates with are Allstate, State Farm, Geico, and Progressive. If you add them together, they insure over 45% of all vehicles in the U.S.. The data below shows some of the ratings and options you can buy with each company.