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

Our editors keep telling us that when writing about auto insurance, the word cheap shouldn’t be used anywhere in the article to describe car insurance prices. It’s a simple fact that cheap auto insurance for a Ford F-150 can be extremely hard to find. But fear not, because we will teach you how you can still get coverage that is considered budget-friendly.

The chances that you’ll find cheaper coverage for a Ford F-150 in Arizona depends upon many different factors like whether you are married, the insurance company you are currently insured with, and deductible levels for physical damage coverage. Drivers pay around $980 each year to buy Ford F-150 insurance, but that cost is calculated based on a 30-year-old married female that purchased comprehensive and collision coverage and $250 policy deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 30 years old or even a female, single instead of married, or maybe you want different physical damage deductibles. This example demonstrates why your best chance at finding the cheapest insurance price for your Ford is to just take the time to compare rates yourself.

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Vehicle trim level will influence the yearly cost, so the price you will be charged to insure a F-150 XL Regular Cab 2WD trim level will be $290 less expensive the cost to insure the more costly F-150 Lariat Crew Cab Platinum 4WD model, as shown in the chart below.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific location which can decrease or increase premiums substantially.

Finding out which companies quote the best car insurance rates for a Ford F-150 may require more work than just quoting one company’s rates.

Every insurance company has their own formula to set their prices, so we’ll take a look at the car insurance companies with the overall best prices in Arizona.

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The Hartford quotes some of the cheapest car insurance rates in Arizona at around $811 a year. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the cheaper Arizona insurance companies.

As shown in the table above, if you buy coverage from Auto-Owners and switched to The Hartford, you may realize an annual savings of in the neighborhood of $86. Drivers with Safeco may save as much as $121 a year, and USAA insureds might see rate reductions of $269 a year.

It’s important to note that these policy rates are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Ford F-150. So the car insurance company that fits your situation best may not even be in the rate chart shown above. That’s why you need to compare prices as often as possible using your own individual information.

Comparison of full coverage and liability-only policies

Finding cheap insurance for a Ford F-150 in Arizona is the goal of most vehicle owners, and one of the fastest ways to find cheap insurance is to only buy liability insurance. The example below shows the difference between yearly insurance costs with liability coverage only compared to full coverage. The data is based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

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As an average for all age groups, physical damage insurance costs an extra $1,410 per year over liability only. Lot’s of drivers question if buying full coverage is worth the money. There is no exact formula of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s book value is $10,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $9,000 after paying your policy deductible. If premiums are more than $900 a year for physical damage coverage, then it may be the right time to buy liability only.

Why you should be comparing rates

Arizona car insurance rates are impacted by many things that can increase the policy price. Simply improving your credit, getting married, or getting a speeding ticket can cause premium changes that may make certain companies cheaper than competitors. In addition, auto insurance companies file new rates without warning to reflect underwriting profits or losses. Larger than normal claims can cause higher rates, while better underwriting may result in cheaper F-150 insurance rates.

For example, the graph below shows rates for the cheapest car insurance in Arizona for a 35-year-old female driver with a good driving record, no prior claims, and good credit. If we compare prices based on her current situation, The Hartford may offer the best car insurance rates in Arizona at $811 a year. This is $617 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the list of the top five cheapest Arizona auto insurance companies.

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Now let’s give the driver in the first example an accident claim, poor credit, and a speeding citation. Due to the fact that each insurance company has their own formula to determing premium rates, comparing prices most likely will result in a different ranking of the cheapest companies as shown below.

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Ameriprise Group now has the best auto insurance rate in Arizona with GEICO, Allied, CSAA, and Safeco now being in the top five. This demonstrates why Arizona drivers need to compare rates to get cheap auto insurance rates for a Ford F-150. Insurance rates are determined by many things and can decrease or increase without notice, so the best price the last time you checked may now cost much more than other companies.

Who has the cheapest Ford F-150 insurance quotes?

There are many ways to compare car insurance quotes in Arizona, but the most preferred methods are from a non-exclusive or independent agent, a captive (or exclusive) agent such as Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive.

They all follow the same basic process, but it’s important to point out the distinctions in how they price policies.

Independent agencies work for many companies and can provide price quotes from each one. These types of agents are not locked into one company and can compare multiple rates, which may give you more bang for your buck. If they quote lower rates, it’s simple to move the policy and you won’t have to switch agencies.

An agent who is captive is only able to quote your policy with one company like Allstate and Liberty Mutual agents. They are unable to shop your coverage around, so they have no alternatives for high prices.

Direct car insurance buyers forego an exlusive or independent agent and buy direct either online or via phone. Buying direct is a good choice for drivers who do not have a complex risk profile and have knowledge of what car insurance covers.

So which of the methods works best for finding cheap insurance for a Ford F-150 in Arizona? It would be simple to say buying from a direct company saves the most money since there is no need to pay agent commissions, but in reality, that is not the case. We could also assume that buying car insurance from an independent agent can save the most money because you have more choices, but again, it’s not a sure thing. And often times, exclusive agents have coverage prices that other companies cannot beat.

Since car insurance companies use so many rating factors, the best method to not overpay for car insurance is to obtain price quotes and compare them. Money-saving experts recommend you get rate quotes from all three in order to be able to find the lowest price. To see some of the cheapest online companies available, click here to view.

Ideas to find economical auto insurance for a Ford F-150

The list below summarizes many money-saving ideas that can help Arizona drivers find cheaper coverage.

• Improve your credit score
• Violations like speeding or DUI increase rates
• Raise comprehensive and collision coverage deductibles
• Save money by insuring your home and auto with the same company
• Avoid accidents
• Don’t have frequent claims
• Compare rates once a year for cheaper prices

The last idea is incredibly significant, as was affirmed in the prior information. Coverage rates in Arizona go up and down frequently, so you should be ready to change to a new company if a better rate can be found. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that stubbornness costs you thousands of dollars over several years. It only takes a couple minutes to compare rates and find cheaper auto insurance for a Ford F-150.