2005 Ford F-150 Insurance Rates
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UPDATED: Sep 27, 2017
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Average insurance rates for a 2005 Ford F-150 are $940 a year with full coverage. Comprehensive costs an estimated $154, collision costs $160, and liability costs $468. Buying a liability-only policy costs as little as $518 a year, with high-risk insurance costing around $2,014. Teen drivers receive the highest rates at $3,828 a year or more.
Annual premium for full coverage: $940
Rate estimates for 2005 Ford F-150 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 the average driver, prices range go from as low as $518 for only liability insurance to a much higher rate of $2,014 for a driver that may need high-risk insurance.
These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using price averages.
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 2005 Ford F-150 Insurance
Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners.
Insurance companies such as GEICO, Farmers Insurance and State Farm continually hit you with ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.
How to Get Insurance Coverage
All the larger insurance coverage companies such as Allstate, GEICO and Progressive provide prices for coverage directly from their websites. Obtaining pricing is fairly straightforward as you just enter the amount of coverage you want as requested by the quote form. Upon sending the form, the company’s rating system requests reports for credit and driving violations and generates pricing information. Quoting online makes comparing rates easy, but having to visit different websites and enter the same data into a form can get tiresome after awhile. But it is imperative to do this if you want to find a better rate.
The smarter way to lower your insurance coverage bill utilizes a single form to get prices from several companies at one time. This type of form saves time, eliminates repetitive work, and makes online quotes much more enjoyable. After sending the form, it is quoted and you can choose your choice of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.
If you want to compare pricing, click here and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with the limits and deductibles exactly as shown on your declarations page. This helps ensure you will get a price comparison based on identical coverages.
Save big with these five discounts
Car insurance companies don’t always list all their discounts in a way that’s easy to find, so we break down some of the best known as well as the least known ways to save on insurance.
- No Accidents – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
- Sign Online – A few companies give back up to $50 for buying your policy digitally online.
- Low Mileage Discounts – Fewer annual miles on your Ford could qualify for better rates on cars that stay parked.
- Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums for F-150 insurance.
Drivers should understand that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.
For a list of providers with the best insurance discounts, follow this link.
But I don’t know anything about car insurance
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique and your policy should reflect that. For example, these questions can help discover if your situation might need an agent’s assistance.
- When should my teen driver be added to my policy?
- Is my nanny covered when driving my vehicle?
- Is my custom paint covered by insurance?
- Do I have any recourse if my insurance company denies a claim?
- Are my friends covered when driving my car?
- Is my 2005 Ford F-150 covered for smoke damage?
- What is medical payments coverage?
- When should I not file a claim?
- Will I be non-renewed for getting a DUI or other conviction?
- How much can I save by bundling my policies?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Car insurance coverages 101
Understanding the coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.
Liability car insurance
Liability insurance provides protection from damage or injury you incur to other’s property or people 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 commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability coverage pays for claims like funeral expenses, loss of income, medical services and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as rehabilitation expenses, nursing services, ambulance fees and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Comprehensive (Other than Collision)
This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as theft, damage from flooding and vandalism. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage will pay to fix damage to your F-150 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.
Buy Smart and Save
Low-cost 2005 Ford F-150 insurance is possible both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
You just learned a lot of ways to get a better price on insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from an unexpected company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.
When you buy insurance online, make sure you don’t reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage and learned later that they should have had better coverage. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.
More tips and info about insurance can be read in these articles:
- Teen Driving Statistics (iihs.org)
- How Much is Auto Insurance for a Ford F-150 in Columbus? (ColumbusCoverage.com)
- Booster Seat Ratings (iihs.org)
- Safety Belts FAQ (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,488|
|Los Angeles, CA||$1,608|
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||$54|
|5-yr Claim Free||$58|
|Paid in Full/EFT||$31|
Discounts are estimated and may not be available from every company or in every state.