Best Cheap Insurance for a Ford F-150 in Massachusetts
Enter your Massachusetts zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 7, 2019
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Anytime the topic is car insurance, the words cheap or affordable should not be used anywhere in the article as a descriptor for auto insurance rates. Notwithstanding, cheap car insurance for a Ford F-150 does not exist. But don’t despair, because we are going to tell you how you can still get car insurance that most people can afford.
The likelihood of finding cheap coverage for a Ford F-150 in Massachusetts depends on things like driver age, whether or not you are currently insured, and if your driving record shows any at-fault accidents. Drivers on average pay approximately $1,010 a year for F-150 insurance, but that figure is an approximation based on a 50-year-old single male driver that wants comprehensive and collision coverage and $500 deductibles.
There is a high likelihood that you may not be 50 years old (or even male), possibly married instead of single, and you need different coverage limits than the sample rates. Using even a minor difference in rating factors or requested coverage amount can precipitate large changes in policy price.
Everyone has unique insurance needs, and this illustrates why the best way to find affordable rates for your Ford is to get into the habit of shopping around regularly. To start saving now, get free quotes and you will get price quotes from the best companies around.
The trim level of your F-150 impacts the insurance rate, so the price you will pay to insure a F-150 XL Regular Cab 2WD will be $264 less expensive the insurance cost for the high end F-150 Lariat Crew Cab Platinum 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$158||$232||$378||$22||$114||$904||$75|
|F-150 STX Regular Cab 2WD||$158||$298||$378||$22||$114||$970||$81|
|F-150 XL Super Cab 2WD||$158||$298||$378||$22||$114||$970||$81|
|F-150 XLT Regular Cab 2WD||$158||$298||$378||$22||$114||$970||$81|
|F-150 STX Super Cab 2WD||$158||$298||$378||$22||$114||$970||$81|
|F-150 XL Crew Cab 2WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 XLT Super Cab 2WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 STX Regular Cab 4WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 XL Regular Cab 4WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 FX2 Super Cab 2WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 XLT Crew Cab 2WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 XL Super Cab 4WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 XLT Regular Cab 4WD||$180||$298||$378||$22||$114||$992||$83|
|F-150 XL Crew Cab 4WD||$204||$298||$378||$22||$114||$1,016||$85|
|F-150 STX Super Cab 4WD||$204||$298||$378||$22||$114||$1,016||$85|
|F-150 XLT Super Cab 4WD||$204||$298||$378||$22||$114||$1,016||$85|
|F-150 FX2 2WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 Lariat Super Cab 2WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 Lariat Crew Cab 2WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 FX4 Super Cab 4WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 XLT Crew Cab 4WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 FX4 4WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 Lariat Crew Cab 4WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 SVT Raptor Super Cab 4WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 Lariat Super Cab 4WD||$204||$362||$378||$22||$114||$1,080||$90|
|F-150 Lariat Crew Cab Platinum 2WD||$204||$426||$378||$22||$114||$1,144||$95|
|F-150 Lariat Crew Cab Harley 2WD||$204||$426||$378||$22||$114||$1,144||$95|
|F-150 Lariat King Ranch 2WD||$204||$426||$378||$22||$114||$1,144||$95|
|F-150 Lariat King Ranch 4WD||$228||$426||$378||$22||$114||$1,168||$97|
|F-150 Lariat Crew Cab Harley 4WD||$228||$426||$378||$22||$114||$1,168||$97|
|F-150 Lariat Crew Cab Platinum 4WD||$228||$426||$378||$22||$114||$1,168||$97|
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in your specific Massachusetts location which can modify coverage prices significantly.
Insuring your vehicle with the right company is hard considering how many companies there are in Massachusetts. The company rank data listed below could help you select which auto insurance companies to look at purchasing from. These rankings are only made up of the largest companies in America, so companies without a large exposure are not taken into consideration for the list.
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Top 10 Large Car Insurance Companies in Massachusetts Ranked by Value
- The Hartford
- Farmers Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- American Family
- Liberty Mutual
Top 10 Large Car Insurance Companies in Massachusetts Ranked by A.M. Best Rating
- GEICO – A++
- Travelers – A++
- State Farm – A++
- USAA – A++
- The Hartford – A+
- Allstate – A+
- Esurance – A+
- Progressive – A+
- Liberty Mutual – A
- AAA Insurance – A
Top Companies for Ford F-150 Insurance in Massachusetts
Enter your zip code below to view companies that have cheap auto insurance rates.
Should you buy full coverage?
Finding the best cheap insurance for a Ford F-150 in Massachusetts is probably important to most vehicle owners, and one good way to reduce the cost of insurance is to only buy liability coverage. The illustration below illustrates the comparison of car insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
As an average, comprehensive and collision coverage on your policy costs an additional $1,570 per year more than carrying just liability coverage. That proposes the question if it’s a good idea to buy full coverage. There is no exact formula for dropping full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
Discount Massachusetts insurance
Auto insurance companies that offer the best cheap insurance for a Ford F-150 in Massachusetts may provide price discounts that can lower rates by as much as 30% if you qualify for them. A few of the larger companies and a summarized list of policyholder discounts are detailed below.
|Discount||Allstate||State Farm||Geico||Progressive||Liberty Mutual||Farmers||Nationwide|
|Pay in full||Yes||No||Yes||Yes||Yes||Yes||Yes|
|Student away from home||Yes||Yes||No||Yes||Yes||Yes||Yes|
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The information below shows the difference between insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims or driving citations, Massachusetts state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, safe-driver, multiple vehicle, anti-theft, marriage, and defensive driving course discounts applied. With discounts applied, the average amount saved on auto insurance for a Ford F-150 is 15% or $207.
Is the best company Geico, Progressive, Allstate, or State Farm?
If you’re looking for the cheapest auto insurance, some of the first companies to look at are Geico, Progressive, Allstate, and State Farm. When added together, they make up 48.5% of all auto insurance written. They all offer your standard coverages, but each one has somewhat different options that buyers can choose from. The next table shows pricing and service ratings, plus some optional coverages that are available from each company.
|A.M. Best financial rating||A++||A+||A+||A++|
|New car replacement||No||No||Yes||No|
|Emergency roadside assistance||Yes||Yes||Yes||Yes|
|Rate for vehicle usage||No||Yes||Yes||Yes|
|Accident forgiveness coverage||Yes||Yes||Yes||No|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
|Mechanical breakdown insurance||Yes||Yes||No||No|
|Where you can buy||Both online and from Geico agents||Buy online or from an independent agent||Only buy from Allstate agents||Only from State Farm agents|
|Number of agents||150+||30,000+||11,000+||18,000+|
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Find the best cheap insurance for a Ford F-150 in Massachusetts
The list below shows some penny-pinching suggestions that can help drivers buy more affordable car insurance.
- At-fault accidents will increase rates
- Vehicles with safetly features generally cost less to insure
- Save money by insuring older vehicles for liability only
- Increase your credit rating
- Increase deductibles to save money
- You will pay more if you get tickets or have at-fault accidents
- Compare rates once a year for cheaper prices
The final tip is very critical, as we stressed in this piece. Prices charged by auto insurers in Massachusetts can be adjusted at any time, so drivers shouldn’t be reluctant to change to a new company if a more affordable price is available.
We understand brand loyalty, but it’s not a good idea if that loyalty ends up costing a small fortune. Spend a few minutes and compare rates to find cheaper car insurance for a Ford F-150.
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