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

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

The chances of buying the cheapest auto insurance for a Ford F-150 in Massachusetts depends on things like annual miles driven, if you have a coverage lapse, and driving citations. Drivers in Massachusetts on average will pay $840 per year for F-150 insurance, but that rate is an estimate based on rate data for a 50-year-old married female driver who requires both comprehensive and collision coverage and $500 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you may not be 50 years old (or even female), single instead of married, or maybe you live in a different area as the quoted rates. Every driver’s needs are different, and that is why the only way to find cheap insurance prices for your Ford is to make a habit of comparing prices at least once a year.

Insure Your Ford for Less

Your Ford’s trim level will likely have an effect on the coverage cost, so the price to insure a F-150 XL Regular Cab 2WD model will be $220 lower than the insurance cost for the fancier F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.

Ford F-150 Insurance Rates in Massachusetts
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $140 $188 $314 $18 $94 $754 $63
F-150 STX Regular Cab 2WD $140 $240 $314 $18 $94 $806 $67
F-150 XL Super Cab 2WD $140 $240 $314 $18 $94 $806 $67
F-150 XLT Regular Cab 2WD $140 $240 $314 $18 $94 $806 $67
F-150 STX Super Cab 2WD $140 $240 $314 $18 $94 $806 $67
F-150 XL Crew Cab 2WD $162 $240 $314 $18 $94 $828 $69
F-150 XLT Super Cab 2WD $162 $240 $314 $18 $94 $828 $69
F-150 STX Regular Cab 4WD $162 $240 $314 $18 $94 $828 $69
F-150 XL Regular Cab 4WD $162 $240 $314 $18 $94 $828 $69
F-150 FX2 Super Cab 2WD $162 $240 $314 $18 $94 $828 $69
F-150 XLT Crew Cab 2WD $162 $240 $314 $18 $94 $828 $69
F-150 XL Super Cab 4WD $162 $240 $314 $18 $94 $828 $69
F-150 XLT Regular Cab 4WD $162 $240 $314 $18 $94 $828 $69
F-150 XL Crew Cab 4WD $182 $240 $314 $18 $94 $848 $71
F-150 STX Super Cab 4WD $182 $240 $314 $18 $94 $848 $71
F-150 XLT Super Cab 4WD $182 $240 $314 $18 $94 $848 $71
F-150 FX2 2WD $182 $292 $314 $18 $94 $900 $75
F-150 Lariat Super Cab 2WD $182 $292 $314 $18 $94 $900 $75
F-150 Lariat Crew Cab 2WD $182 $292 $314 $18 $94 $900 $75
F-150 FX4 Super Cab 4WD $182 $292 $314 $18 $94 $900 $75
F-150 XLT Crew Cab 4WD $182 $292 $314 $18 $94 $900 $75
F-150 FX4 4WD $182 $292 $314 $18 $94 $900 $75
F-150 Lariat Crew Cab 4WD $182 $292 $314 $18 $94 $900 $75
F-150 SVT Raptor Super Cab 4WD $182 $292 $314 $18 $94 $900 $75
F-150 Lariat Super Cab 4WD $182 $292 $314 $18 $94 $900 $75
F-150 Lariat Crew Cab Platinum 2WD $182 $344 $314 $18 $94 $952 $79
F-150 Lariat Crew Cab Harley 2WD $182 $344 $314 $18 $94 $952 $79
F-150 Lariat King Ranch 2WD $182 $344 $314 $18 $94 $952 $79
F-150 Lariat King Ranch 4WD $204 $344 $314 $18 $94 $974 $81
F-150 Lariat Crew Cab Harley 4WD $204 $344 $314 $18 $94 $974 $81
F-150 Lariat Crew Cab Platinum 4WD $204 $344 $314 $18 $94 $974 $81
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in garaging location in Massachusetts which can raise or lower premium rates substantially.

Buying coverage from the right car insurance provider can be a challenge considering how many companies sell coverage in Massachusetts. The ranking data in the next section could help you decide which auto insurance companies to look at when shopping your coverage around. The ratings below include companies that insure vehicles across America, so companies that may only write in Massachusetts are not factored into the list.

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

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

Top 10 Major Car Insurance Companies in Massachusetts Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Allstate
  7. The Hartford
  8. Farmers Insurance
  9. Esurance
  10. AAA Insurance

Top Companies for Ford F-150 Insurance in Massachusetts

Full coverage rates compared to liability-only

Finding cheap insurance for a Ford F-150 in Massachusetts should be important to most people, and an effective way to pay less for insurance is to only buy liability insurance. The example below shows the difference between insurance rates with liability coverage only compared to full coverage. The rate quotes are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

If all age groups are averaged, comp and collision coverage costs an additional $1,595 per year more than just insuring for liability. That may make you wonder if buying full coverage is a good investment. There is no exact rule of when to drop physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

There are some cases where dropping full coverage is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.

Reckless driving habits raise insurance rates

The easiest method to score affordable insurance rates in Massachusetts for a F-150 pickup is to drive cautiously and not receive tickets or have accidents. The illustration below shows how traffic citations and at-fault fender-benders influence insurance costs for each age group. The data assumes a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

The chart shows that the average cost of car insurance per year with no accidents or violations is $2,198. Factor in one speeding ticket and the average cost jumps to $2,489, an increase of $291 each year. Now throw in 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 $3,309. That’s an increase of $1,111, or $93 per month, just for not paying attention while driving!

How to find more affordable insurance for a Ford F-150

The list below details some of the better money-saving suggestions that can help Massachusetts drivers buy lower-cost car insurance.

  • Raise deductibles
  • Pay lower rates with good credit
  • Avoid accidents and claims
  • Speeding tickets and other violations increase rates
  • Drive safe vehicles
  • Keep rates low by shopping around frequently

The last tip is highly important, as was pointed out in the prior information. Insurance rates can change in a short period of time, so drivers shouldn’t be reluctant to buy a policy from a new company if a better deal can be had.

Having brand loyalty is commendable, but is isn’t recommended if it’s costing you a lot of money every month. It takes less than five minutes to compare prices and find cheaper insurance for a Ford F-150.