2018 Ford F-150 Insurance Rates
Average insurance rates for a 2018 Ford F-150 are $1,258 a year for full coverage insurance. Comprehensive costs an estimated $306 a year, collision costs $446, and liability coverage costs $354. Buying a liability-only policy costs as little as $416 a year, with high-risk insurance costing around $2,680. Teenage drivers receive the highest rates at $4,588 a year or more.
Annual premium for full coverage: $1,258
Rate estimates for 2018 Ford F-150 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 go from as low as $416 for basic liability insurance to a high of $2,680 for high-risk insurance.
These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, rather than using average rates.
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Recommended Companies for Cheap 2018 Ford F-150 Insurance
Want better auto insurance rates for your Ford F-150? Overpriced auto insurance can deplete your savings account and possibly require you to analyze your spending habits. Performing a rate comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.
Drivers have so many car insurance companies to buy insurance from, and even though it’s nice to have a selection, it can be more challenging to compare rates.
Consumers should take time to do price comparisons quite often since prices trend upward over time. Even if you got the lowest price for F-150 coverage two years ago there may be better deals available now. You can find a lot of information about auto insurance online, but in this article, you’re going to get the best ways to slash your auto insurance rates.
How to compare car insurance rate quotes
Most of the larger companies make it easy to get coverage prices on the web. Getting online rates can be done by anyone as you just type in the coverage amounts you desire on the page. When complete, the company’s rating system pulls reports for credit and driving violations and returns pricing information determined by many factors. Online price estimates makes it simple to compare prices but the process of having to visit each company’s website and repetitively type in your information can be a bit repetitive. But it’s also necessary to do this in order to get the best price possible.
Recommended Companies for the Best Insurance Rates
There is a better way!
The preferred way to compare rates requires only one form to return rates from several companies at one time. The form is fast, eliminates repetitive work, and makes comparison shopping a lot less work. As soon as you send your information, it is rated and you can choose any or none of the returned quotes.
If you find a better price you can simply submit the application and purchase coverage. The whole process just takes a couple of minutes and can result in significant savings.
If you want to fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with identical to your current policy. Doing this guarantees you will have a price comparison for the exact same coverage.
Insurance savings promises
Consumers can’t get away from all the ads for cheaper insurance from companies such as GEICO, State Farm and Progressive. They all advertise claims that drivers can save some big amount if you switch to their company.
How does every insurance company cost less than your current company? It’s all in the wording.
Insurance providers require specific criteria for the type of driver they prefer to insure. One example of a driver they prefer might be described as married and over the age of 30, has a clean driving record, and drives less than 10,000 miles a year. Anyone that meets those criteria gets the lowest premium rates and therefore will save when switching.
Potential customers who do not meet this stringent profile may receive higher prices which translates to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “all people who quote” save that much when switching. That’s why insurance companies can confidently make claims that they all have the best rates.
Because of the profiling, drivers should do a rate comparison at every renewal. It’s impossible to know the company that will have the best prices at this point in time.
Earn discounts on insurance
Some companies do not list their entire list of discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find savings tricks you should be using when you buy auto insurance online. If you’re not getting every credit available, you may be paying too high a price.
- Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
- First Accident Forgiveness – This isn’t a discount exactly, but certain companies will forgive one accident before your rates go up so long as you are claim-free before the accident.
- Paperwork-free – Many larger companies will give you a small discount for signing up on your computer.
- Club Memberships – Being in a qualifying organization may earn a discount on your bill.
- Active Service Discounts – Being deployed with a military unit could trigger a small discount.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
- Discount for Home Ownership – Simply owning a home can save a few bucks because of the fact that having a home shows financial diligence.
- Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
Keep in mind that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.
Large insurance companies and the discounts they provide are:
- State Farm may offer discounts for multiple autos, student away at school, passive restraint, safe vehicle, multiple policy, driver’s education, and defensive driving training.
- Farmers Insurance discounts include electronic funds transfer, business and professional, bundle discounts, multi-car, and switch companies.
- Progressive includes discounts for online quote discount, online signing, homeowner, multi-policy, good student, multi-vehicle, and continuous coverage.
- GEICO has discounts for federal employee, multi-vehicle, emergency military deployment, military active duty, and daytime running lights.
- Auto-Owners Insurance offers discounts including safe driver, paid in full, student away at school, safe vehicle, air bags, mature driver, and anti-theft.
- The Hartford has savings for bundle, driver training, vehicle fuel type, defensive driver, and good student.
- Farm Bureau may have discounts that include driver training, 55 and retired, multi-policy, youthful driver, renewal discount, and good student.
- USAA policyholders can earn discounts including driver training, good student, multi-policy, safe driver, family discount, and new vehicle.
Double check with each insurance company which credits you are entitled to. Some of the discounts discussed earlier might not be offered in your area. If you would like to choose from a list of insurance companies that offer discounts, click here to view.
Tailor your insurance coverage coverage to you
When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight if your insurance needs might need professional guidance.
- I have health insurance so do I need medical payments coverage?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Am I covered when driving someone else’s vehicle?
- When would I need additional glass coverage?
- Do I need more liability coverage?
- How much liability coverage do I need in my state?
- When should I not file a claim?
- Do I pay less if my vehicle is kept in my garage?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Car insurance coverages for a Ford F-150
Having a good grasp of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.
Collision – This coverage pays for damage to your F-150 from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.
Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as rock chips in glass, damage from getting keyed, damage from flooding, fire damage and hitting a bird. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability – This protects you from damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, 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 a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as medical services, attorney fees and pain and suffering. How much coverage you buy is up to you, but consider buying higher limits if possible.
Uninsured and underinsured coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as dental work, rehabilitation expenses, funeral costs, prosthetic devices and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
A little work can save a LOT of money
When getting auto insurance quotes online, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where an insured dropped full coverage only to find out they didn’t have enough coverage. Your objective should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.
You just learned quite a bit of information on how to reduce 2018 Ford F-150 insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting cheap auto insurance. You may be surprised to find that the lowest car insurance rates are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.
Lower-priced auto insurance can be purchased both online as well as from independent agents, so you should compare both so you have a total pricing picture. Some insurance companies do not provide rate quotes online and many times these regional carriers only sell coverage through independent insurance agents.
For more information, feel free to browse the following helpful articles:
- Tools for Teen Driving Safety (State Farm)
- What to do at the Scene of an Accident (Insurance Information Insitute)
- What is Gap Insurance? (Insurance Information Insitute)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
- Alcohol Impaired Driving FAQ (iihs.org)
- All About Airbag Safety (State Farm)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,451|
|Los Angeles, CA||$2,115|
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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||$88|
|5-yr Claim Free||$79|
|Paid in Full/EFT||$55|
Discounts are estimated and may not be available from every company or in every state.