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Best Cheap Insurance Quotes for a Ford F-150 in Nebraska

Enter your Nebraska zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing...

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UPDATED: Nov 14, 2019

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The chances that you’ll find cheap insurance for a Ford F-150 in Nebraska depends upon a lot of rating criteria like if you are a renter or homeowner, if you are a frequent claim filer, and if you have a history of accidents. Drivers in Nebraska pay on average $910 every 12 months for F-150 insurance, but that is a projection that uses rate data for a 50-year-old single male driver who needs full coverage and $500 physical damage deductibles.

There’s a high likelihood you are not exactly 50 years old and possibly not even male, you might be married instead of single, or you just want cheap liability insurance instead of full coverage. Car insurance coverage is unique to each driver, so this is why your best shot at finding cheap insurance prices for your Ford is to do a thorough rate comparison.

Enter your zip code below to view companies that have cheap auto insurance rates.

Vehicle trim level has an effect on the cost of coverage, so the rate you will pay to insure a F-150 XL Regular Cab 2WD will be $236 less expensive the price to insure the high end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown by the rates below.

Ford F-150 Insurance Rates in Nebraska
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $142 $208 $338 $20 $102 $810 $68
F-150 STX Regular Cab 2WD $142 $266 $338 $20 $102 $868 $72
F-150 XL Super Cab 2WD $142 $266 $338 $20 $102 $868 $72
F-150 XLT Regular Cab 2WD $142 $266 $338 $20 $102 $868 $72
F-150 STX Super Cab 2WD $142 $266 $338 $20 $102 $868 $72
F-150 XL Crew Cab 2WD $162 $266 $338 $20 $102 $888 $74
F-150 XLT Super Cab 2WD $162 $266 $338 $20 $102 $888 $74
F-150 STX Regular Cab 4WD $162 $266 $338 $20 $102 $888 $74
F-150 XL Regular Cab 4WD $162 $266 $338 $20 $102 $888 $74
F-150 FX2 Super Cab 2WD $162 $266 $338 $20 $102 $888 $74
F-150 XLT Crew Cab 2WD $162 $266 $338 $20 $102 $888 $74
F-150 XL Super Cab 4WD $162 $266 $338 $20 $102 $888 $74
F-150 XLT Regular Cab 4WD $162 $266 $338 $20 $102 $888 $74
F-150 XL Crew Cab 4WD $182 $266 $338 $20 $102 $908 $76
F-150 STX Super Cab 4WD $182 $266 $338 $20 $102 $908 $76
F-150 XLT Super Cab 4WD $182 $266 $338 $20 $102 $908 $76
F-150 FX2 2WD $182 $324 $338 $20 $102 $966 $81
F-150 Lariat Super Cab 2WD $182 $324 $338 $20 $102 $966 $81
F-150 Lariat Crew Cab 2WD $182 $324 $338 $20 $102 $966 $81
F-150 FX4 Super Cab 4WD $182 $324 $338 $20 $102 $966 $81
F-150 XLT Crew Cab 4WD $182 $324 $338 $20 $102 $966 $81
F-150 FX4 4WD $182 $324 $338 $20 $102 $966 $81
F-150 Lariat Crew Cab 4WD $182 $324 $338 $20 $102 $966 $81
F-150 SVT Raptor Super Cab 4WD $182 $324 $338 $20 $102 $966 $81
F-150 Lariat Super Cab 4WD $182 $324 $338 $20 $102 $966 $81
F-150 Lariat Crew Cab Platinum 2WD $182 $382 $338 $20 $102 $1,024 $85
F-150 Lariat Crew Cab Harley 2WD $182 $382 $338 $20 $102 $1,024 $85
F-150 Lariat King Ranch 2WD $182 $382 $338 $20 $102 $1,024 $85
F-150 Lariat King Ranch 4WD $204 $382 $338 $20 $102 $1,046 $87
F-150 Lariat Crew Cab Harley 4WD $204 $382 $338 $20 $102 $1,046 $87
F-150 Lariat Crew Cab Platinum 4WD $204 $382 $338 $20 $102 $1,046 $87
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in vehicle location which can change premium rates considerably.

Deciding which company offers the most affordable insurance rates for a Ford F-150 calls for more time in order to find the most economical policy. Each auto insurance company has their own process to determine premium rates, so we’ll take a look at the most affordable insurance companies in Nebraska.

It’s important that readers know that Nebraska insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. Turning one year older, moving to a new city, or having a fender bender may prompt premium changes that can now make some companies more affordable than others.

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Nebraska auto insurance company rankings
Rank Company Cost Per Year
1 Safeco $812
2 The Hartford $839
3 Auto-Owners $932
4 Allied $949
5 Farmers Mutual of Nebraska $979
6 Farm Bureau Mutual $990
7 Nationwide $1,037
8 State Farm $1,065
9 American National $1,098
10 General Casualty $1,114
11 USAA $1,150
12 MetLife $1,280
13 American Family $1,284
14 Iowa Mutual $1,308
15 California Casualty $1,309
16 GEICO $1,322
17 EMC $1,354
18 Progressive $1,460
19 Farmers $1,602
20 North Star $1,659
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Safeco offers some of the best car insurance rates in Nebraska at around $812 each year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also make the cut as some of the cheaper Nebraska car insurance companies.

As the rates illustrate above, if you currently have a policy with Farmers Mutual of Nebraska and switched to The Hartford, you might see yearly savings of about $140. Insureds with Farm Bureau Mutual may save as much as $151 a year, and Nationwide policyholders might cut rates by $198 a year.

These premiums are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific rate factor for a Ford F-150. So the auto insurance company that fits your needs best may not even be shown in the chart above. That helps illustrate why you need to compare rates from multiple companies using your own personal information and vehicle type.

Enter your zip code below to view companies that have cheap auto insurance rates.

The example below illustrates how your deductible choice can influence premium costs when quoting cheap insurance for a Ford F-150. The premiums assume a married male driver, comp and collision included, and no discounts are factored in.

The data above shows that a 40-year-old driver could lower their car insurance rates by $226 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $346 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old example, could lower their rates up to $742 each year by choosing a larger deductible amount. When using a larger deductible, it is essential to have enough savings set aside to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to get discounts on Nebraska car insurance

Insurance for a F-150 pickup in NebraskaInsurance providers that provide the best cheap insurance for a Ford F-150 in Nebraska may also provide rate discounts that can lower rates by as much as 35% if you meet the requirements. A list of companies and a selection of discounts are detailed below.

Car Insurance Discounts Available
Discount Geico Allstate State Farm Progressive Nationwide
Bundle discount Yes Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes
Safe vehicle Yes Yes Yes No No
Air bags Yes Yes Yes No Yes
Newer vehicle No Yes Yes No Yes
No accidents Yes Yes Yes Yes Yes
Defensive driving course Yes Yes Yes Yes Yes
Military Yes No Yes Yes No
Affinity/occupation Yes No No No Yes
Paid in full Yes Yes No Yes Yes
Automatic payment Yes Yes No Yes Yes
Brand loyalty No No Yes Yes Yes
Smart student Yes Yes Yes Yes Yes
Student away from home No Yes Yes Yes Yes
Own home No No No Yes No
Seat belt usage Yes No No No No
Online quote No No No Yes No
Teenage driver No No No Yes No
Federal employee Yes No No No No
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The chart below illustrates the comparison of annual premium costs with and without discounts applied to the policy premium. Data assumes a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, accident-free, multiple vehicle, claim-free, anti-theft, and passive restraint discounts applied. When discounts are factored in, the average amount saved each year on insurance for a Ford F-150 is % or $.

Progressive, State Farm, Allstate, or Geico: Who is best?

When shopping for insurance for a F-150 pickup in Nebraska, four companies to take a look at are Progressive, State Farm, Allstate, and Geico. If you combine them together, they insure about 50% of all car insurance policies in America. All offer your standard physical damage and liability coverages, but each one has unique options and discounts that can influence your buying decision. The table below breaks down some of the ratings and options that are available for customers.

Top U.S. Car Insurance Company Ratings
Progressive State Farm Allstate Geico
Price Ranking 3rd 2nd 4th 1st
Client Satisfaction 3rd 4th 2nd 1st
Discounts Available 4th 3rd 1st 2nd
Claims Service 4th 2nd 1st 3rd
New car replacement coverage No No Yes No
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness coverage Yes No Yes Yes
Rating based on usage Yes Yes Yes No
Breakdown insurance Yes No No Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
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How to find more affordable insurance for a Ford F-150

Here are some penny-pinching suggestions that can help Nebraska drivers locate more affordable coverage.

  • Buy a vehicle with excellent safety ratings
  • Clean up your credit rating
  • Save money by insuring older vehicles for liability only
  • Maintain a clean driving record
  • Being accident-free can lower rates significantly
  • Higher comprehensive and collision coverage deductibles will save money
  • Compare quotes from other companies often

The last suggestion is notably necessary, as was emphasized in the prior information. Prices charged by auto insurers adjust frequently, so you should be ready to buy a policy from a new company if a more affordable rate is found. Having a favorite company is fine, but we do not recommend it if that stubbornness costs you a fortune every year. It takes less than five minutes to compare rates and find cheaper car insurance for a Ford F-150.

Who has the cheapest Ford F-150 insurance quotes?

There are a variety of different ways to find cheaper insurance in Nebraska, but the most prevalent are through an independent or non-exclusive agent, an exclusive insurance agency such as State Farm or Auto-Owners, or buying direct from a company like Progressive or Geico.

All three ways are similar, but it’s important to point out the distinctions in how they work.

Independent insurance agents write for multiple companies and can get rate quotes from all of them. They are not restricted to one company and can give you a larger rate selection, which can give you the best chance of finding a lower price. If a cheaper price is found, your policy is moved internally and you stay with the same agent.

An agent who is captive is only able to place business with just one company like a State Farm or Farmers agent. Exclusive agents cannot provide a range of price quotes, so it’s a good idea to shop around.

Consumers who buy insurance direct skip local agents and instead shop direct either online or via phone. Shopping for insurance direct may be preferred by consumers who have fewer assets and know more than average about what limits they need.

Which way is best to buy the best cheap insurance for a Ford F-150 in Nebraska? The majority of insurance shoppers assume that buying direct saves the most money because there is no agent taking a commission, but unfortunately, it’s not that simple. And we’d like to say an independent agent guarantees the lowest rates since they can provide multiple quotes, but that is not accurate either. In the right set of circumstances, exclusive agents have price quotes well below independent agents AND direct companies.

Because there is so much variation in insurance prices, the only true way to buy the cheapest policy is to compare, compare, and compare some more. Be sure to get rate quotes from all three in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

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