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1993 Ford F-150 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 1993 Ford F-150 are $866 a year including full coverage. Comprehensive costs on average $132, collision insurance costs $134, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,852. Teenage drivers receive the highest rates at up to $3,568 a year.

Annual premium for full coverage: $866

Rate estimates for 1993 Ford F-150 Insurance

Comprehensive $132
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1993 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 40-year-old driver, prices range range from as low as $496 for just liability coverage to the much higher price of $1,852 for high-risk insurance.

Liability Only $496
Full Coverage $866
High Risk $1,852

View Chart as Image

1993 Ford F-150 insurance rates compared
Column chart showing 1993 Ford F-150 insurance prices range from $541 to $3,568 for full coverage

These differences highlight why everyone should compare prices based on a specific location and risk profile, instead of 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 1993 Ford F-150 Insurance

Searching Companies

Finding low-cost auto insurance on the web can seem to be somewhat difficult for consumers not familiar with comparison shopping online. With such a large number of insurers to choose from, how can you possibly compare every one to find the lowest price?

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked for prior to getting the savings.

  • E-sign – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates on F-150 coverage.
  • Accident Free – Drivers who don’t have accidents can earn big discounts compared to accident-prone drivers.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Homeowners Discount – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will reduce your overall premium however.

To see a list of insurance companies with the best car insurance discounts, click here.

Car insurance is unique, just like you

When it comes to buying the best car insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions can help discover if your situation may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • How can I get high-risk coverage after a DUI?
  • When should my teen driver be added to my policy?
  • How do I buy GAP insurance?
  • At what point should I drop full coverage?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when delivering products for my home-based business?
  • What is no-fault insurance?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Are you falling for claims of savings?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all make the same claim that you can save after switching your policy. But how can every company say the same thing?

Insurance companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. Any driver that hits that “sweet spot” will get very good rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile must pay higher rates and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can advertise the savings.

This illustrates why you absolutely need to compare as many rates as you can. It’s impossible to know which car insurance company will have the lowest Ford F-150 insurance rates.

Insurance coverage basics

Having a good grasp of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage, theft, a broken windshield and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, emergency aid, loss of income, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1993 Ford F-150.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for prosthetic devices, surgery, nursing services and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

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 then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Stretch your dollar

We covered a lot of tips how to compare 1993 Ford F-150 insurance prices online. It’s most important to understand that the more you quote, the better your comparison will be. Consumers may even find the lowest premiums are with the least-expected company.

Consumers leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, delays in responding to claim requests and denial of a claim. No matter why you want to switch, finding the right insurance coverage provider is not as hard as you think.

Cheaper insurance can be purchased online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Additional insurance coverage information is located at these links:

Rates by U.S. City

1993 Ford F-150 Insurance Rates by City
City Premium
New York City, NY $1,374
Los Angeles, CA $1,482
Philadelphia, PA $1,159
Jacksonville, FL $1,260
Phoenix, AZ $1,011
Chicago, IL $1,163
Houston, TX $1,360
Seattle, WA $847
Columbus, OH $726
Indianapolis, IN $739

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1993 Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
16 $3,568
20 $1,970
30 $876
40 $866
50 $798
60 $780

Full coverage, $500 deductibles

Rates by Deductible

1993 Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$100 $982
$250 $928
$500 $866
$1,000 $806

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $866
50/100 $954
100/300 $1,065
250/500 $1,352
100 CSL $999
300 CSL $1,242
500 CSL $1,419

Full coverage, driver age 40

Rates for High Risk Drivers

1993 Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
16 $4,996
20 $3,136
30 $1,858
40 $1,852
50 $1,774
60 $1,754

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.

SR-22 Surcharge $112

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $46
Homeowner $16
5-yr Accident Free $48
5-yr Claim Free $53
Paid in Full/EFT $28
Advance Quote $35
Online Quote $57
Total Discounts $325
Rate after discounts $541

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1993 Ford F-150 Insurance Rates by State
State Premium
Alabama $786
Alaska $668
Arizona $722
Arkansas $866
California $988
Colorado $828
Connecticut $892
Delaware $982
Florida $1,086
Georgia $800
Hawaii $622
Idaho $588
Illinois $646
Indiana $654
Iowa $584
Kansas $826
Kentucky $1,184
Louisiana $1,286
Maine $536
Maryland $718
Massachusetts $696
Michigan $1,508
Minnesota $724
Mississippi $1,040
Missouri $770
Montana $932
Nebraska $684
Nevada $1,040
New Hampshire $626
New Jersey $970
New Mexico $770
New York $916
North Carolina $500
North Dakota $710
Ohio $600
Oklahoma $892
Oregon $796
Pennsylvania $828
Rhode Island $1,158
South Carolina $786
South Dakota $734
Tennessee $762
Texas $1,046
Utah $644
Vermont $594
Virginia $520
Washington $672
West Virginia $796
Wisconsin $602
Wyoming $774

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