2010 Ford F-150 Insurance Rates
Average insurance rates for a 2010 Ford F-150 are $1,106 a year with full coverage. Comprehensive insurance costs approximately $218, collision costs $300, and liability costs around $436. Buying a liability-only policy costs as low as $486 a year, with high-risk insurance costing $2,374 or more. Teenage drivers receive the highest rates at $4,282 a year or more.
Annual premium for full coverage: $1,106
Rate estimates for 2010 Ford F-150 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 $486 for only liability insurance to a much higher rate of $2,374 for a high risk driver.
These differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.
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Recommended Companies for Cheap 2010 Ford F-150 Insurance
No one in their right mind cherishes buying auto insurance, especially when the cost is way too high. Many insurers compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate
Smart consumers take time to compare rates periodically since rates change frequently. Just because you found the best deal for F-150 coverage last year you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to find out one of the best ways to find the best coverage while lowering your premiums.
Don’t pay full price with these discounts
Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known ways to save on insurance coverage. If they aren’t giving you every credit possible, you are throwing money away.
- Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates when buying insurance coverage for F-150 coverage.
- Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Homeowners Savings – Simply owning a home can save you money because owning a home demonstrates responsibility.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
- Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.
- Life Insurance Discount – Some companies give a break if you buy auto and life insurance together.
- Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for F-150 coverage depending on your company.
- Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
Drivers should understand that most discounts do not apply the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.
Recommended Companies for the Best Insurance Rates
For a list of providers with discount insurance coverage rates, click here.
Your personal situation dictates your coverage
When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can help discover if you might need professional guidance.
- What is the ISO rating for a 2010 Ford F-150?
- Do I need added coverage for expensive stereo equipment?
- Why am I required to get a high-risk car insurance policy?
- Am I covered when driving a rental car?
- Do I benefit by insuring my home with the same company?
- Is my 2010 Ford F-150 covered for smoke damage?
- Is my babysitter covered when using my vehicle?
- Where can I get insurance after a DUI in my state?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Do you really save 40% when you switch?
Consumers can’t get away from ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. They all seem to say the same thing of big savings if you change your coverage to them.
How do they all make the same claim? It’s all in the numbers.
All companies have a preferred profile for the type of driver that is profitable for them. An example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.
Consumers who fall outside the requirements will be charged higher rates which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully make the claims of big savings. That is why it’s extremely important to get quotes from several different companies. It is impossible to predict which auto insurance company will have the lowest Ford F-150 insurance rates.
The coverage is in the details
Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like X-ray expenses, funeral costs, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Auto liability insurance
This provides protection from damage or injury you incur to other people or property in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims like repair costs for stationary objects, funeral expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sustaining damage from a pot hole, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.
Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like damage from flooding, hitting a bird and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2010 Ford F-150.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
One last thing about your coverage
You just read a lot of information how to lower your 2010 Ford F-150 insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may discover the biggest savings come from a smaller regional carrier. Smaller companies often have lower prices on specific markets than their larger competitors like State Farm, GEICO and Nationwide.
Low-cost insurance is possible on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not provide the ability to get a quote online and these smaller companies work with independent agents.
When buying insurance coverage, never reduce needed coverages to save money. There have been many situations where an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your aim should be to buy enough coverage at the best price.
To read more, feel free to browse the following helpful articles:
- Vehicle Safety Ratings (iihs.org)
- Who Has Affordable Auto Insurance for a Ford F-150 in Minneapolis? (TwinCitiesInsure.com)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
- State Laws for Cellphones and Texting (iihs.org)
- Where can I buy Insurance? (Insurance Information Insitute)
- Safety Features for Your New Car (State Farm)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,160|
|Los Angeles, CA||$1,860|
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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||$72|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$44|
Discounts are estimated and may not be available from every company or in every state.