2012 Ford F-150 Insurance Rates
Average insurance rates for a 2012 Ford F-150 are $1,172 a year for full coverage insurance. Comprehensive insurance costs on average $236 each year, collision costs $356, and liability insurance costs $428. Buying a liability-only policy costs as little as $478 a year, with high-risk insurance costing $2,520 or more. Teenage drivers receive the highest rates at $4,488 a year or more.
Annual premium for full coverage: $1,172
Rate estimates for 2012 Ford F-150 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 $478 for just liability insurance to a high rate of $2,520 for a driver that may need high-risk insurance.
These differences illustrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2012 Ford F-150 Insurance
Are you overwhelmed by the sheer number of insurance coverage company choices? You have a lot of company. Drivers have so many choices that it can quickly become a real hassle to find better rates.
Verify you’re getting all your discounts
Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but a few need to be specially asked for in order for you to get them.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
- Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
- Safety Course Discount – Taking a course in driver safety can save you 5% or more if your company offers it.
- Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
- 55 and Retired – Older drivers may receive reduced rates on F-150 insurance.
- Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on F-150 insurance than drivers with accidents.
Consumers should know that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, insurance companies aren’t that generous. Any amount of discount will cut your premiums.
A partial list of companies who might offer some of the above discounts include:
Recommended Companies for the Best Insurance Rates
Before buying, ask all companies you are considering which discounts they offer. Savings might not apply in your state.
When should I talk to an agent?
When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.
For example, these questions can aid in determining whether or not you might need an agent’s assistance.
- What exactly is covered by my policy?
- Do I have coverage when pulling a U-Haul trailer?
- How can I get my company to pay me more for my totalled car?
- Should I sign the liability waiver when renting a car?
- Does car insurance cover theft of personal property?
- Are my tools covered if they get stolen from my vehicle?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.
Can you really save $453 a year?
Insurance coverage companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to say the same thing about savings if you move your policy. How does each company claim to save you money?
Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could be a mature driver, has no driving citations, and has excellent credit. A propective insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save when switching.
Potential insureds who don’t measure up to the “perfect” profile will be quoted higher rates which leads to business not being written. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do.
This emphasizes why drivers should compare as many rates as you can. You cannot predict the company that will give you the biggest savings on Ford F-150 insurance.
Car insurance policy specifics
Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford F-150.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like falling objects, vandalism, damage from getting keyed and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills such as EMT expenses, X-ray expenses, surgery, hospital visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverages – This can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as attorney fees, repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
Collision – This coverage pays for damage to your F-150 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like sideswiping another vehicle, hitting a mailbox, colliding with a tree, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.
Money doesn’t grow on trees
Cost effective 2012 Ford F-150 insurance is definitely available on the web in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
People who switch companies do it for a number of reasons such as delays in responding to claim requests, high prices, being labeled a high risk driver or denial of a claim. Regardless of your reason, finding the right insurance provider is not as difficult as it may seem.
You just learned some good ideas how you can compare insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the biggest savings come from some of the smallest insurance companies.
Helpful learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Who Has the Cheapest Car Insurance for a Ford F-150 in San Diego? (SanDiegoCoverage.com)
- Tread Depth and Tire Safety (State Farm)
- Understanding Car Crashes Video (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,289|
|Los Angeles, CA||$1,974|
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Need a specific model?
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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||$79|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$48|
Discounts are estimated and may not be available from every company or in every state.