Cheap Insurance Quotes for a Ford F-150 in Michigan

Your odds of finding the cheapest coverage for a Ford F-150 in Michigan is dependent upon a complex formula that factors things such as the safety rating for your F-150, if you are currently insured, and citations on your driving record. Drivers in Michigan on average pay around $2,190 annually for F-150 insurance, but that is an approximation calculated based on a 40-year-old married male who needs both comprehensive and collision coverage and $250 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you may not be 40 years old (or even male), possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. What people think is a minor change in rating factors or requested coverage amount can lead to a big change in policy price.

Each driver has unique rating factors, so your best chance at finding cheap car insurance rates for your Ford is to make a habit of regularly comparing rates from other companies. It’s really quite easy you will be able to compare rates from some of the most affordable companies that offer coverage in Michigan.

Insure Your Ford for Less

Your vehicle’s trim level will have an impact price, so the price you will be charged to insure a F-150 XL Regular Cab 2WD model will be $630 less than the price to insure the more costly F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the prices below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in vehicle location which can change prices greatly.

Shopping around for low-priced insurance is not most people’s favorite thing to do, and figuring out which company has the best insurance rates for a Ford F-150 will involve even more work. Every auto insurer uses a different method for determining rates, so let’s rank the most competitive insurance companies in Michigan.

It’s important to know that Michigan insurance rates are influenced by many factors that will increase or decrease your annual premium. Things like getting older, buying a newer car, or getting a DUI can cause premium changes that may make certain companies way too expensive in comparison to the competition.

Best Cheap Insurance Rates for your F-150

Start Your Free Quote

USAA has some of the best car insurance rates in Michigan at around $958 each year. GEICO, Safeco, MetLife, and Chubb are also some of the cheaper Michigan car insurance companies.

In the above example, if you currently buy coverage from MetLife and switched to USAA, you might achieve a yearly savings of approxmiately $406. Michigan drivers with Chubb could save as much as $456 a year, and Pioneer State Mutual insureds might realize rate reductions of up to $472 a year.

Understand that those premium estimates are averaged across all drivers and vehicles and and are not calculated with a specific rate factor for a Ford F-150. So the insurer that fits your situation best may not even be shown in the company chart above. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

Discount Michigan insurance

Auto insurance companies that sell cheap insurance for a Ford F-150 in Michigan could also offer rate discounts that could lower prices by 40% or more if you qualify. The best insurance companies and some of the discounts are:

The example below compares insurance premiums with and without policy discounts. The data is based on a female driver, a clean driving record, no claims, Michigan state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, marriage, passive restraint, vehicle safety, and accident-free discounts applied. When drivers qualify for the discounts, the the amount saved on insurance for a Ford F-150 is 42% or $570.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 5493,3947],[‘Age 30’, 3767,2729],[‘Age 40’, 3505,2535],[‘Age 50’, 3065,2217],[‘Age 60’, 2959,2139],[‘Age 70’, 3459,2493]]);var options = {title: ‘Insurance Rate Comparison 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’,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);}

Safe drivers Michigan pay cheaper rates

The easiest method to snag the most affordable insurance rates in Michigan for a F-150 pickup is to be a cautious driver and have a clean driving record. The information below highlights how traffic violations and at-fault fender-benders can impact auto insurance rates for different ages of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4719,5135,6277],[‘Age 30’, 2431,2847,3991],[‘Age 40’, 2379,2799,3941],[‘Age 50’, 2185,2607,3747],[‘Age 60’, 2143,2561,3703],[‘Age 70’, 2533,2951,4093]]);var options = {title: ‘Effect of Citations and Accidents on Michigan Ford F-150 Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Michigan’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of auto insurance in Michigan per year with no violations or accidents is $2,732. Factor in one speeding ticket and the average cost jumps to $3,150, an increase of $418 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for a Ford F-150 jumps again to an average of $4,292. That’s an increase of $1,560, or $130 per month, just for not driving safely!

How to get cheap insurance for a Ford F-150 in Michigan

Lowering your rates is not difficult, and here are some money-saving suggestions that can help drivers find cheaper coverage.

• Do not pay for full coverage on older vehicles
• Raise comprehensive and collision coverage deductibles
• Serious violations like DUI or reckless driving can increase rates dramatically
• Buy a vehicle with excellent safety ratings
• Higher credit ratings may save you money
• Avoid at-fault accidents and claims
• Shop your coverage around for the best deal

That final tip is especially vital, as we stressed in this article. Auto insurance prices can be adjusted at any time, so drivers shouldn’t hesitate to switch to a new company if you can find a cheaper rate. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty results in overpaying a small fortune. Take a couple minutes and compare prices and find cheaper insurance for a Ford F-150.

Who has the cheapest Ford F-150 insurance quotes?

There are many different ways to quote and buy insurance in Michigan, but the three most common ways are through a non-exclusive or independent agent, a captive (or exclusive) agency like State Farm or Allstate, or direct online or over the phone from a company like Geico or Progressive.

Each way has the same basic process, but buyers need to know the differences in how they provide rate quotes.

Independent insurance agents can place your business with multiple companies and can compare rates with every one. Independent agents are able to provide you with more rates, which may provide you with improved odds of finding cheaper coverage. If a cheaper rate is found, they simply move the coverage in-house which prevents you from having to find an new insurance agent.

A captive or exclusive agent is only able to quote your policy with one company, for example a State Farm or Liberty Mutual agent. They generally cannot provide rate quotes from other companies, so it’s a good idea to shop around.

The third popular method of shopping for insurance is direct, which means you forego the middleman (the agent) and instead shop direct from companies such as Geico or Esurance. Buying insurance direct is good for families who do not have a need for a risk management assessment and have a decent understanding of the limitations of their policy.

What is the best way to find cheap insurance for a Ford F-150 in Michigan? The majority of insurance shoppers assume that buying from a direct car insurance company yields the cheapest rates because you bypass the agent, but in reality, that is not the case. It would also be easy to say buying insurance from an independent agent guarantees the lowest rates due to more options, but again, that’s not a true statement. In many cases, the exclusive agents have price quotes that are the cheapest in Michigan.

Because there are so many factors that make up insurance rates, the guaranteed way to not overpay for insurance is to get quotes and compare the rates. Smart shoppers will get price quotes from independent, exclusive, and direct in order to have enough rates to compare. For a list of companies offering online discounts, click here to view.

Best rates: Geico, State Farm, Allstate, or Progressive

If you’re looking for the best insurance for a F-150 pickup, the first places to look would be Geico, State Farm, Allstate, and Progressive. Between them, they insure almost half of the entire U.S. car insurance market. All four can cover your vehicle for liability and physical damage, but each one has a slightly different set of options and discounts that may steer you one way or another. The following table breaks down pricing and service ratings, plus some optional coverages offered by each one.