Cheapest Insurance for a Ford F-150 in Indiana
Enter your Indiana zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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The likelihood of finding cheap car insurance for a Ford F-150 in Indiana hinges on a complex formula that considers things like your date of birth, where you live, and your choice of physical damage deductibles. Drivers pay on average $820 every 12 months to insure their F-150, but that rate is an estimation based on a 40-year-old single male who needs full coverage and $1,000 deductibles.
There is a high likelihood that you are not 40 and possibly not even male, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Every car insurance policy is unique to the driver, so the best way to quote cheap auto insurance rates for your Ford is to start the habit of comparing rates at least once a year.
The trim level of your F-150 will have an impact the coverage cost, so the rate you pay to insure a F-150 XL Regular Cab 2WD will be $194 cheaper than the cost to insure the higher-end F-150 Lariat Crew Cab Platinum 4WD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$114||$170||$340||$20||$102||$746||$62|
|F-150 STX Regular Cab 2WD||$114||$218||$340||$20||$102||$794||$66|
|F-150 XL Super Cab 2WD||$114||$218||$340||$20||$102||$794||$66|
|F-150 XLT Regular Cab 2WD||$114||$218||$340||$20||$102||$794||$66|
|F-150 STX Super Cab 2WD||$114||$218||$340||$20||$102||$794||$66|
|F-150 XL Crew Cab 2WD||$132||$218||$340||$20||$102||$812||$68|
|F-150 XLT Super Cab 2WD||$132||$218||$340||$20||$102||$812||$68|
|F-150 STX Regular Cab 4WD||$132||$218||$340||$20||$102||$812||$68|
|F-150 XL Regular Cab 4WD||$132||$218||$340||$20||$102||$812||$68|
|F-150 FX2 Super Cab 2WD||$132||$218||$340||$20||$102||$812||$68|
|F-150 XLT Crew Cab 2WD||$132||$218||$340||$20||$102||$812||$68|
|F-150 XL Super Cab 4WD||$132||$218||$340||$20||$102||$812||$68|
|F-150 XLT Regular Cab 4WD||$132||$218||$340||$20||$102||$812||$68|
|F-150 XL Crew Cab 4WD||$148||$218||$340||$20||$102||$828||$69|
|F-150 STX Super Cab 4WD||$148||$218||$340||$20||$102||$828||$69|
|F-150 XLT Super Cab 4WD||$148||$218||$340||$20||$102||$828||$69|
|F-150 FX2 2WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 Lariat Super Cab 2WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 Lariat Crew Cab 2WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 FX4 Super Cab 4WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 XLT Crew Cab 4WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 FX4 4WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 Lariat Crew Cab 4WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 SVT Raptor Super Cab 4WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 Lariat Super Cab 4WD||$148||$264||$340||$20||$102||$874||$73|
|F-150 Lariat Crew Cab Platinum 2WD||$148||$312||$340||$20||$102||$922||$77|
|F-150 Lariat Crew Cab Harley 2WD||$148||$312||$340||$20||$102||$922||$77|
|F-150 Lariat King Ranch 2WD||$148||$312||$340||$20||$102||$922||$77|
|F-150 Lariat King Ranch 4WD||$166||$312||$340||$20||$102||$940||$78|
|F-150 Lariat Crew Cab Harley 4WD||$166||$312||$340||$20||$102||$940||$78|
|F-150 Lariat Crew Cab Platinum 4WD||$166||$312||$340||$20||$102||$940||$78|
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in garaging location in Indiana which can increase or decrease coverage rates significantly.
Ending up with the best insurer can be challenging considering how many different companies sell coverage in Indiana. The rank data in the next section could help you decide which car insurance companies you want to consider when trying to find the cheapest insurance for a Ford F-150. These rankings are only comprised of the largest companies in America, so smaller companies that only insure vehicles in Indiana are not included in these rankings.
|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
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Bad driving habits will cost you more
A great way to obtain good car insurance premiums in Indiana for a F-150 pickup is to be a safe driver and avoid accidents and violations. The diagram below shows how violations and at-fault accidents raise car insurance costs for each age group. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
The chart shows that the average cost of car insurance in Indiana per year with no violations or accidents is $1,509. Add in two speeding tickets and the average cost swells to $2,150, an increase of $641 each year. Now include two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford F-150 increases to an average of $4,376. That’s an increase of $2,867, or $239 per month, just for not driving responsibly!
The information below illustrates how your deductible choice can affect insurance premiums when searching for cheap insurance for a Ford F-150. The rates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
As shown above, a 30-year-old driver could lower rates by $322 a year by switching from a $100 deductible up to a $500 deductible, or save $488 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could reduce their rates up to $936 every year by choosing larger deductibles on their policy. When raising deductibles, it’s a good idea to have enough in a savings account to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Last year’s bargain might be this year’s rip off
Indiana car insurance rates are based on many factors that can increase the price of coverage. Simply getting older, having a teen driver, or getting a driving violation may cause policy rate changes that can cause some rates to be cheaper than competitors. And not only may your rating factors change, but car insurance companies amend premium rates without warning to ensure their profitability. Higher than usual claims may result in rate hikes, while less frequent claims can result in lower-cost F-150 insurance rates.
For instance, the data below shows rates for the cheapest car insurance in Indiana for a 45-year-old male driver with no violations or accidents, and a high credit rating. When comparing rates based on his current rating profile, Travelers may offer the best car insurance rates in Indiana at $614 per year. This is $626 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve are the remaining cheapest Indiana auto insurance companies.
Now we will give the driver from the first rate comparison a chargeable claim, a lower credit rating, and a few traffic violations. Since each auto insurer has their own formula for determining rates, getting updated rate quotes may result in a substantially altered list of companies as shown below.
Auto-Owners now has the cheapest rate in Indiana with The Hartford, Cincinnati Insurance, USAA, and Motorists Mutual completing the list. This example shows why it is so important to take the time to shop around to get affordable auto insurance quotes for a Ford F-150.
Auto insurance prices consist of many factors and can change substantially, so the cheapest rate a year ago may now be costing you a lot of money.
Tips for finding budget-friendly insurance for a Ford F-150
It is possible to find better rates, and here are a few thrifty solutions that can help Indiana drivers find the cheapest coverage.
- Avoid getting tickets or violations
- Clean up your credit
- Buy a safer vehicle
- On older vehicles, drop full coverage
- Maintain a safe distance and avoid accidents
- Higher deductibles save money
- Comparison shop at least every other year
That last piece of advice is incredibly significant, as we discussed in this write-up. Car insurance prices change frequently, so don’t be unwilling to buy a different policy if a lower price can be found.
Brand loyalty is not necessarily bad, but is isn’t recommended if that inflexibility results in costing you a lot of money. Now is a great time to compare rates and find cheaper insurance for a Ford F-150.
Cheap Ford F-150 insurance quotes
Thanks to the internet, there are a lot of ways to get affordable car insurance quotes in Indiana, but the most popular are through an exclusive insurance agent such as Allstate or Auto-Owners, a non-exclusive or independent agent, or from a direct company like Geico. You can use whichever you prefer, but they differ in how they provide price quotes.
Independent insurance agents can place your business with multiple companies and can get policy pricing from each one. These agents will give you more rate choices, which can help you get better odds of saving money. If a cheaper price is found, your policy can be easily switched to a new company without you having to go to a different agency.
An agent who is captive is only able to quote rates with one insurance company, examples being Allstate or Farmers Insurance agents. These agents are not able to quote prices from more than a single company, so always compare other rates.
If you want to buy car insurance direct, you do not use an agent and buy direct from companies such as Progressive or Esurance. This option may be a decent choice drivers who have limited assets and have a good understanding of how car insurance works and possible exclusions.
So what is the best way to buy the cheapest insurance for a Ford F-150 in Indiana? It would be simple to say buying from a direct company yields the cheapest rates because there is no agent involved, but unfortunately, that is not the case. A valid argument could also be made that an independent agency results in the best rates since they can quote with many companies, but that is not accurate either. In a lot of cases, the exclusive agents may have prices that are the lowest in Indiana.
Due to that fact that car insurance uses so many rating variables, the best method to not overpay for car insurance is to get quotes and compare. Be sure to get price quotes all three ways to have a good selection of rates to choose from. For a list of companies offering online discounts in Indiana, click here to view.
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