Cheapest Insurance for a Ford F-150 in Kansas

Our staff writers always rib each other than when writing about car insurance, the word affordable should never be used anywhere to describe car insurance rates. It’s just reality that cheap car insurance for a Ford F-150 is not easy to find. But fear not, because we are going to show you how you can still get insurance that doesn’t cost an arm and a leg.

Your ability to find cheaper car insurance for a Ford F-150 in Kansas depends upon a calculation that uses factors such as the safety features of your vehicle, whether or not you have had gaps between policies, and citations or violations on your driving record. Drivers on average will pay $910 annually to insure a F-150, but that price is an approximation that rates a 40-year-old married male driver that wants full coverage including both comprehensive and collision and $250 policy deductibles.

More than likely, you’re not a 40-year-old male, maybe you are single instead of married, or maybe your F-150 is old enough that it doesn’t require full coverage. This example demonstrates why your best chance at finding cheap insurance rates for your Ford is to just take the time to compare rates yourself.

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The trim level of your vehicle tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a F-150 XL Regular Cab 2WD trim level will be $262 lower than the cost to insure the more well-appointed F-150 Lariat Crew Cab Platinum 4WD version, as shown in the chart below.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific location which can raise or lower premium rates greatly.

Picking the highest-rated car insurance company is hard considering how many choices drivers have in Kansas. The company ratings displayed below may help you analyze which coverage providers you want to consider comparing rates with. These rankings are only comprised of large, nationwide insurance companies, so companies with more of a regional focus will not be included in these rankings.

Get discount Kansas auto insurance

Insurance providers that provide the cheapest insurance for a Ford F-150 in Kansas could also offer premium discounts that may potentially lower prices by as much as 35% if you are eligible. A list of car insurance companies and their offered discounts are included below.

• GEICO has discounts for daytime running lights, anti-theft, seat belt use, good student, and federal employee.
• USAA policyholders can earn discounts including multi-policy, defensive driver, good student, new vehicle, and driver training.
• Progressive offers discounts for multi-policy, online signing, online quote discount, good student, multi-vehicle, continuous coverage, and homeowner.
• American Family discounts include mySafetyValet, TimeAway discount, multi-vehicle, early bird, air bags, bundled insurance, and good driver.
• Esurance may offer discounts for good student, anti-theft, good driver, online quote, online shopper, safety device, and emergency road assistance.
• Farmers Insurance includes discounts for early shopping, youthful driver, switch companies, teen driver, homeowner, and multi-car.
• State Farm may have discounts that include anti-theft, good driver, multiple autos, Drive Safe & Save, safe vehicle, passive restraint, and defensive driving training.

The information below shows the difference between annual premium costs with and without discounts applied to the rates. The information is based on a female driver, no accidents or driving violations, Kansas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, multiple policy, vehicle safety, claim-free, accident-free, and anti-theft discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for a Ford F-150 is 27% or $475.

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Poor driving habits will raise your car insurance rates

The easiest method to maintain the cheapest insurance for a Ford F-150 in Kansas is to drive carefully and not receive tickets or have accidents. The illustration below highlights how traffic violations and accidents raise yearly insurance costs for different age groups. The costs are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.

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In the example above, the average cost of a car insurance policy in Kansas per year with a clean driving record and no accidents is $1,395. Add in one speeding ticket and the average cost increases to $1,623, an increase of $228 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford F-150 goes up to an average of $3,570. That’s an increase of $2,175, or $181 per month, just for not paying attention while driving!

Which auto insurance company is best?

If you want reliable insurance for a F-150 pickup, probably the best companies to start with are Progressive, Geico, State Farm, and Allstate. The following table points out ratings and policy coverage options shoppers can expect to find with each one.

Who has the cheapest Ford F-150 insurance quotes?

Thanks to technology, there are a lot of ways to find lower-cost car insurance in Kansas, but the most common are either through a non-exclusive or independent agent, a captive (or exclusive) agent such as State Farm or Allstate, or direct online or over the phone from a company like Progressive or Geico. Each way has the same basic steps, but it’s important to point out the distinctions in how they function.

Independent agencies are appointed by several companies and can compare coverage rates with every one. These types of agents have the freedom to provide multiple price quotes, which may give you the best chance of finding a lower price. If you are not satisfied with one company, you can get a different policy which prevents you from having to find a new agency.

Exclusive agents are limited to a single insurance company, examples being Farmers Insurance or State Farm agents. This type of agents cannot quote prices from more than a single company, so if rates are high, they cannot give you alternative choices.

Opting to purchase car insurance direct means you bypass local agents and instead buy from a direct company like Progressive. This option may be good for people who have an average risk profile and have a decent understanding of what limits they need.

So what is the best way to buy the cheapest insurance for a Ford F-150 in Kansas? One answer would be buying from a direct company results in the cheapest price because there are no middleman commissions, but that does not always hold true. We could also assume that an independent agent guarantees the lowest rates since there are more companies to choose from, but that assumption is not true either. In a lot of cases, exclusive agents may have very competitive prices that other car insurance companies cannot touch.

Because of the variability of car insurance rates, the best way to get the cheapest rates is to obtain price quotes and compare them. It’s recommended that drivers get prices from all three to have a good selection of rates to choose from. For a list of car insurance companies with low rates, click here to view.