Best Cheap Insurance for a Ford F-150 in New York
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UPDATED: Nov 11, 2019
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Our editors keep telling us that when writing about car insurance, the word affordable should never appear anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Ford F-150 can be hard to find. But don’t let us ruin your dream, because we are going to show you some ways you can quote and buy coverage that you can afford to pay for.
Whether or not you can find cheaper car insurance for a Ford F-150 in New York depends upon lots of different factors such as driver age, the insurance company you are currently insured with, and if you had any at-fault accidents in the last few years. Drivers pay on average $1,090 every 12 months for F-150 insurance, but that price is based on rate data for a 30-year-old single female driver that wants both comprehensive and collision coverage and $250 physical damage deductibles.
It’s more than likely that you may not be 30 years old (or even female), you might be married instead of single, and maybe your credit level is not the same as what was rated. Just a minor change in rating factors can result in a large change in the amount insurance costs for a Ford F-150.
The different assumptions illustrate why the best method for finding cheap insurance prices for your Ford is to compare as many rates as possible. It’s really quite easy you will receive rate quotes from some of the best companies that sell coverage in New York.
The trim level of your vehicle tends to impact price, so the price to insure a F-150 XL Regular Cab 2WD trim level will be $316 lower than the insurance cost for the fancier F-150 Lariat Crew Cab Platinum 4WD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$198||$272||$358||$22||$106||$956||$80|
|F-150 STX Regular Cab 2WD||$198||$348||$358||$22||$106||$1,032||$86|
|F-150 XL Super Cab 2WD||$198||$348||$358||$22||$106||$1,032||$86|
|F-150 XLT Regular Cab 2WD||$198||$348||$358||$22||$106||$1,032||$86|
|F-150 STX Super Cab 2WD||$198||$348||$358||$22||$106||$1,032||$86|
|F-150 XL Crew Cab 2WD||$228||$348||$358||$22||$106||$1,062||$89|
|F-150 XLT Super Cab 2WD||$228||$348||$358||$22||$106||$1,062||$89|
|F-150 STX Regular Cab 4WD||$228||$348||$358||$22||$106||$1,062||$89|
|F-150 XL Regular Cab 4WD||$228||$348||$358||$22||$106||$1,062||$89|
|F-150 FX2 Super Cab 2WD||$228||$348||$358||$22||$106||$1,062||$89|
|F-150 XLT Crew Cab 2WD||$228||$348||$358||$22||$106||$1,062||$89|
|F-150 XL Super Cab 4WD||$228||$348||$358||$22||$106||$1,062||$89|
|F-150 XLT Regular Cab 4WD||$228||$348||$358||$22||$106||$1,062||$89|
|F-150 XL Crew Cab 4WD||$256||$348||$358||$22||$106||$1,090||$91|
|F-150 STX Super Cab 4WD||$256||$348||$358||$22||$106||$1,090||$91|
|F-150 XLT Super Cab 4WD||$256||$348||$358||$22||$106||$1,090||$91|
|F-150 FX2 2WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 Lariat Super Cab 2WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 Lariat Crew Cab 2WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 FX4 Super Cab 4WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 XLT Crew Cab 4WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 FX4 4WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 Lariat Crew Cab 4WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 SVT Raptor Super Cab 4WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 Lariat Super Cab 4WD||$256||$424||$358||$22||$106||$1,166||$97|
|F-150 Lariat Crew Cab Platinum 2WD||$256||$500||$358||$22||$106||$1,242||$104|
|F-150 Lariat Crew Cab Harley 2WD||$256||$500||$358||$22||$106||$1,242||$104|
|F-150 Lariat King Ranch 2WD||$256||$500||$358||$22||$106||$1,242||$104|
|F-150 Lariat King Ranch 4WD||$286||$500||$358||$22||$106||$1,272||$106|
|F-150 Lariat Crew Cab Harley 4WD||$286||$500||$358||$22||$106||$1,272||$106|
|F-150 Lariat Crew Cab Platinum 4WD||$286||$500||$358||$22||$106||$1,272||$106|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in your specific New York location which can impact price quotes noticeably.
Picking a high-quality insurance provider can be rather challenging considering how many companies provide coverage in New York. The company rank data listed below can help you pick which coverage providers you want to consider when shopping around. These ratings are for large, nationwide insurance companies, so companies that may only write in New York are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The example below shows how choosing a deductible can influence insurance costs when trying to find cheap insurance for a Ford F-150. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.
A 30-year-old driver could lower rates by $250 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $380 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could roll back prices as much as $550 every year by choosing a higher deductible. When increasing deductibles, it will be necessary to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.
Impact of careless driving on insurance rates
One of the best ways to obtain the cheapest insurance rates for a F-150 pickup is to be a cautious driver and not receive tickets or have accidents. The information below demonstrates how speeding tickets and at-fault collisions can affect car insurance rates for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
In the previous example, the average cost of a car insurance policy in New York per year with no accidents or violations is $978. Receive one speeding ticket and the average cost hikes up to $1,141, an increase of $163 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford F-150 goes up to an average of $2,678. That’s an increase of $1,700, or $142 per month, just for being a careless driver!
Company comparison: Progressive vs State Farm vs Allstate vs Geico
If you’re looking for the best insurance for a F-150 pickup in New York, four companies to take a look at are Progressive, State Farm, Allstate, and Geico. When added together, they make up almost 50% of all auto insurance policies in force. The table below rates some of the different features shoppers can expect to find with each one.
|Handling of Claims||4th||2nd||1st||3rd|
|Market share percentage||8.8%||18.3%||10%||11.4%|
|Mechanical breakdown insurance||Yes||No||No||Yes|
|Coverage for Uber and Lyft drivers||Yes||Yes||Yes||Yes|
|New car replacement||No||No||Yes||No|
|Rating based on usage||Yes||Yes||Yes||No|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Coverage in New York||Yes||Yes||Yes||Yes|
|Where you can buy||Buy online or from an independent agent||Can only buy from State Farm agents||Can only buy from Allstate agents||From a Geico agent or online|
|Number of agents||30,000+||18,000+||11,000+||150+|
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