1991 Ford F-150 Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 1991 Ford F-150 are $866 a year including full coverage. Comprehensive costs on average $132, collision costs $134, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,852. Teenage drivers receive the highest rates at $3,568 a year or more.
Annual premium for full coverage: $866
Rate estimates for 1991 Ford F-150 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1991 Ford F-150 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $496 for just liability coverage to a much higher rate of $1,852 for a high risk driver.
These differences highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 1991 Ford F-150 Insurance
Searching for the cheapest car insurance rates for your Ford F-150? Tired of paying out the nose to buy car insurance? You’re in the same situation as the majority of other car owners.
You have so many car insurance companies to insure vehicles with, and although it’s nice to have a selection, it can be more difficult to compare rates and cut insurance costs.
Buying car insurance is quite easy. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. But vehicle owners do need to learn how companies price online insurance and apply this information to your search.
Don’t miss out on these money-saving discounts
Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so we took the time to find some of the best known as well as the least known discounts you could be receiving.
- New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
- Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
- Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on F-150 insurance than less cautious drivers.
- Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
It’s important to note that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.
A partial list of companies that may have these money-saving discounts include:
It’s a good idea to ask every prospective company which discounts they offer. Discounts may not be available in your area.
Free Quotes for Auto Insurance
When shopping for auto insurance there are multiple ways to get quotes from different insurance companies. The best method to find the lowest 1991 Ford F-150 rates is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.
- The single most time-saving way to find low rates is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing repetitive form submissions for each company. One form compares rates from all major companies.
- A more time consuming way to get quotes online requires a visit to the website for each individual company and fill out their own quote form. For examples sake, let’s assume you want to compare rates from State Farm, Allstate and Farmers. To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
However you get your quotes, make sure you use exactly the same quote information for each comparison quote. If your comparisons have different liability limits it will be next to impossible to determine the best price for your Ford F-150. Having just a slight variation in insurance coverages may cause a big price difference. Keep in mind that getting more free quotes helps you find a better price.
Pieces of the Ford F-150 insurance rate puzzle
It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.
Listed below are some of the factors used by your company to calculate your rates.
- Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Ford F-150 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
- Where you live – Residing in a rural area can save you money when insuring your vehicles. Fewer people means reduced accidents. City drivers regularly have traffic congestion and much longer commute distances. Higher commute times translates into higher accident risk.
- How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Just one ticket may increase your cost by twenty percent. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
- Marriage pays dividends – Being married can get you a discount when buying auto insurance. Having a significant other usually means you are more mature and it’s proven that married couples file fewer claims.
- Your age impacts your rates – Older insureds are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to be more careless when behind the wheel therefore auto insurance rates are much higher.
Do I need special coverages?
When it comes to buying the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover if you would benefit from an agent’s advice.
- Can I afford to buy a different vehicle if my 1991 Ford F-150 is totaled?
- How much underlying liability do I need for an umbrella policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- Am I getting all the discounts available?
- Am I covered when delivering products for my home-based business?
- If my pet gets injured in an accident are they covered?
- Am I covered if hit by an uninsured driver?
- Are my friends covered when driving my car?
- How many claims can I have before being canceled?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.
Switch companies and save? Really?
GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. All the companies have a common claim that you’ll save big if you switch to them. How do they all make almost identical claims?
All the different companies have a preferred profile for the right customer that is profitable for them. A good example of a desirable insured could possibly be over the age of 40, insures multiple vehicles, and has excellent credit. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.
Drivers who are not a match for this ideal profile will be charged higher premiums which leads to the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently advertise the way they do. That is why it is so important to compare as many rates as you can. Because you never know which car insurance company will give you the biggest savings on Ford F-150 insurance.
Car insurance policy coverages for a Ford F-150
Knowing the specifics of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.
Collision coverage protection
Collision insurance pays for damage to your F-150 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.
Auto liability insurance
This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.
Liability insurance covers claims like bail bonds, funeral expenses, structural damage and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.
Comprehensive auto coverage
Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like hail damage, damage from getting keyed, vandalism, falling objects and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like EMT expenses, prosthetic devices, ambulance fees and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford F-150.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Be a penny pincher
Cheaper 1991 Ford F-150 insurance can be purchased from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
When shopping online for insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced full coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price.
- Side Impact Crash Tests (iihs.org)
- Information for Teen Drivers (GEICO)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Older Driver Statistics (Insurance Information Insitute)
- Insuring a Leased Car (Insurance Information Insitute)
- Things to Know Before you Cancel Insurance (Allstate)
Rates by U.S. City
|New York City, NY||$1,374|
|Los Angeles, CA||$1,482|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$48|
|5-yr Claim Free||$53|
|Paid in Full/EFT||$28|
Discounts are estimated and may not be available from every company or in every state.