How Much are Insurance Quotes for a Ford F-150 in South Dakota?

How Much are Insurance Quotes for a Ford F-150 in South Dakota?

When writing about shopping for car insurance, the word affordable should never be used anywhere in the article to describe car insurance prices. It’s just reality that cheap car insurance for a Ford F-150 can be difficult to find. Don’t let that get you down, though, because we will teach you how you can still find and buy insurance that won’t break the bank.

Your ability to find cheaper auto insurance for a Ford F-150 in South Dakota hinges on many different factors such as whether you are a new or experienced driver, where your vehicle is garaged, and deductibles for comprehensive and collision coverage. Drivers will pay on average $1,070 a year for F-150 insurance, but that price is an estimate that rates a 30-year-old married male driver that includes full comprehensive and collision coverage and $100 physical damage deductibles.

But there is a high likelihood that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you just want liability only. Auto insurance is unique to each driver, so the most reliable method for finding cheap insurance prices for your Ford is to get into the habit of shopping around regularly.

Insure Your Ford for Less

The trim level of your Ford has an effect on the insurance rate, so the price to insure a F-150 XL Regular Cab 2WD model will be $342 cheaper than the insurance cost for the more well-appointed F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.

Ford F-150 Insurance Rates in South Dakota
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $222 $294 $294 $18 $88 $916 $76
F-150 STX Regular Cab 2WD $222 $376 $294 $18 $88 $998 $83
F-150 XL Super Cab 2WD $222 $376 $294 $18 $88 $998 $83
F-150 XLT Regular Cab 2WD $222 $376 $294 $18 $88 $998 $83
F-150 STX Super Cab 2WD $222 $376 $294 $18 $88 $998 $83
F-150 XL Crew Cab 2WD $254 $376 $294 $18 $88 $1,030 $86
F-150 XLT Super Cab 2WD $254 $376 $294 $18 $88 $1,030 $86
F-150 STX Regular Cab 4WD $254 $376 $294 $18 $88 $1,030 $86
F-150 XL Regular Cab 4WD $254 $376 $294 $18 $88 $1,030 $86
F-150 FX2 Super Cab 2WD $254 $376 $294 $18 $88 $1,030 $86
F-150 XLT Crew Cab 2WD $254 $376 $294 $18 $88 $1,030 $86
F-150 XL Super Cab 4WD $254 $376 $294 $18 $88 $1,030 $86
F-150 XLT Regular Cab 4WD $254 $376 $294 $18 $88 $1,030 $86
F-150 XL Crew Cab 4WD $286 $376 $294 $18 $88 $1,062 $89
F-150 STX Super Cab 4WD $286 $376 $294 $18 $88 $1,062 $89
F-150 XLT Super Cab 4WD $286 $376 $294 $18 $88 $1,062 $89
F-150 FX2 2WD $286 $458 $294 $18 $88 $1,144 $95
F-150 Lariat Super Cab 2WD $286 $458 $294 $18 $88 $1,144 $95
F-150 Lariat Crew Cab 2WD $286 $458 $294 $18 $88 $1,144 $95
F-150 FX4 Super Cab 4WD $286 $458 $294 $18 $88 $1,144 $95
F-150 XLT Crew Cab 4WD $286 $458 $294 $18 $88 $1,144 $95
F-150 FX4 4WD $286 $458 $294 $18 $88 $1,144 $95
F-150 Lariat Crew Cab 4WD $286 $458 $294 $18 $88 $1,144 $95
F-150 SVT Raptor Super Cab 4WD $286 $458 $294 $18 $88 $1,144 $95
F-150 Lariat Super Cab 4WD $286 $458 $294 $18 $88 $1,144 $95
F-150 Lariat Crew Cab Platinum 2WD $286 $540 $294 $18 $88 $1,226 $102
F-150 Lariat Crew Cab Harley 2WD $286 $540 $294 $18 $88 $1,226 $102
F-150 Lariat King Ranch 2WD $286 $540 $294 $18 $88 $1,226 $102
F-150 Lariat King Ranch 4WD $318 $540 $294 $18 $88 $1,258 $105
F-150 Lariat Crew Cab Harley 4WD $318 $540 $294 $18 $88 $1,258 $105
F-150 Lariat Crew Cab Platinum 4WD $318 $540 $294 $18 $88 $1,258 $105
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific location information which can raise or lower premium rates substantially.

Which insurance company is best in South Dakota?

Ending up with the top insurer is difficult considering how many companies provide coverage in South Dakota. The company information displayed below may help you pick which car insurance companies to look at when shopping insurance around for a Ford F-150. These ratings only include companies with a national presence, so companies that have a smaller presence are not included in the list.

Top Insurance Companies for a Ford F-150
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
State Farm 91 94 80 88% A++ 90.2
Safeco Insurance 90 93 88 86% A 90.2
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

The illustration below illustrates how your choice of deductibles can influence premium costs when trying to find cheap insurance for a Ford F-150. The prices are based on a single male driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3845,3481,3083,2705],[‘Age 30’, 1993,1823,1623,1427],[‘Age 40’, 1985,1803,1595,1395],[‘Age 50’, 1799,1635,1451,1273],[‘Age 60’, 1737,1581,1405,1235],[‘Age 70’, 2085,1907,1707,1521]]);var options = {title: ‘Comparison of Deductible Levels and Ford F-150 Insurance Rates in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 30-year-old driver could pocket $390 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $590 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save as much as $1,140 or more just by choosing higher deductibles. If you make the decision to raise deductibles, it will now be necessary to have plenty of money set aside to cover the extra out-of-pocket expense associated with higher deductibles.

Types of discounts on South Dakota insurance rates

Save on insurance for a F-150 pickup in South DakotaCar insurance companies that offer cheap insurance for a Ford F-150 in South Dakota may also give you policy discounts that can lower rates by 40% or more if you meet specific criteria. Companies and a selection of discounts are detailed below.

  • 21st Century offers discounts for automatic seat belts, anti-lock brakes, homeowners, driver training, air bags, student driver, and good student.
  • Progressive offers discounts including good student, homeowner, multi-policy, online quote discount, multi-vehicle, continuous coverage, and online signing.
  • State Farm may offer discounts for safe vehicle, good student, Steer Clear safe driver discount, anti-theft, driver’s education, passive restraint, and defensive driving training.
  • Nationwide has savings for business or organization, good student, easy pay, accident-free, defensive driving, and Farm Bureau membership.
  • Esurance includes discounts for renters, good student, multi-policy, paid-in-full, and anti-lock brakes.
  • The Hartford offers premium reductions for driver training, vehicle fuel type, good student, anti-theft, air bag, and defensive driver.

The chart below compares premium costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving citations, South Dakota state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, claim-free, anti-theft, marriage, and passive restraint discounts applied. When these discounts are applied, the the average yearly reduction on insurance for a Ford F-150 is 28% or $435.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2649,1909],[‘Age 30’, 1431,1041],[‘Age 40’, 1387,1005],[‘Age 50’, 1267,921],[‘Age 60’, 1225,891],[‘Age 70’, 1499,1081]]);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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in South Dakota’,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);}