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How Much are Insurance Quotes for a Ford F-150 in Rhode Island?

Enter your Rhode Island 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 of finding the cheapest auto insurance for a Ford F-150 in Rhode Island depends upon a complex equation that considers factors like how old you are, your credit score, and if your driving record shows any at-fault accidents. Rhode Island drivers pay approximately $1,030 each year for F-150 insurance, but that cost is an estimation that uses a 40-year-old married female driver that wants full physical damage coverage and $1,000 physical damage deductibles.

Most likely you are not exactly 40 years old and possibly not even female, single instead of married, and maybe you want different deductibles. Everyone has unique insurance needs, and this illustrates why the best method for finding the cheapest insurance price for your Ford is to shop your policy around at every renewal. Compare rate quotes now and you will get price quotes from some of the cheapest companies in Rhode Island.

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

The trim level of your Ford has an effect on the coverage cost, so the price you will be charged to insure a F-150 XL Regular Cab 2WD trim level will be $238 lower than the price to insure the higher-end F-150 Lariat Crew Cab Platinum 4WD trim level, as demonstrated by the prices below.

Ford F-150 Insurance Rates in Rhode Island
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $146 $210 $426 $26 $128 $936 $78
F-150 STX Regular Cab 2WD $146 $268 $426 $26 $128 $994 $83
F-150 XL Super Cab 2WD $146 $268 $426 $26 $128 $994 $83
F-150 XLT Regular Cab 2WD $146 $268 $426 $26 $128 $994 $83
F-150 STX Super Cab 2WD $146 $268 $426 $26 $128 $994 $83
F-150 XL Crew Cab 2WD $166 $268 $426 $26 $128 $1,014 $85
F-150 XLT Super Cab 2WD $166 $268 $426 $26 $128 $1,014 $85
F-150 STX Regular Cab 4WD $166 $268 $426 $26 $128 $1,014 $85
F-150 XL Regular Cab 4WD $166 $268 $426 $26 $128 $1,014 $85
F-150 FX2 Super Cab 2WD $166 $268 $426 $26 $128 $1,014 $85
F-150 XLT Crew Cab 2WD $166 $268 $426 $26 $128 $1,014 $85
F-150 XL Super Cab 4WD $166 $268 $426 $26 $128 $1,014 $85
F-150 XLT Regular Cab 4WD $166 $268 $426 $26 $128 $1,014 $85
F-150 XL Crew Cab 4WD $188 $268 $426 $26 $128 $1,036 $86
F-150 STX Super Cab 4WD $188 $268 $426 $26 $128 $1,036 $86
F-150 XLT Super Cab 4WD $188 $268 $426 $26 $128 $1,036 $86
F-150 FX2 2WD $188 $326 $426 $26 $128 $1,094 $91
F-150 Lariat Super Cab 2WD $188 $326 $426 $26 $128 $1,094 $91
F-150 Lariat Crew Cab 2WD $188 $326 $426 $26 $128 $1,094 $91
F-150 FX4 Super Cab 4WD $188 $326 $426 $26 $128 $1,094 $91
F-150 XLT Crew Cab 4WD $188 $326 $426 $26 $128 $1,094 $91
F-150 FX4 4WD $188 $326 $426 $26 $128 $1,094 $91
F-150 Lariat Crew Cab 4WD $188 $326 $426 $26 $128 $1,094 $91
F-150 SVT Raptor Super Cab 4WD $188 $326 $426 $26 $128 $1,094 $91
F-150 Lariat Super Cab 4WD $188 $326 $426 $26 $128 $1,094 $91
F-150 Lariat Crew Cab Platinum 2WD $188 $384 $426 $26 $128 $1,152 $96
F-150 Lariat Crew Cab Harley 2WD $188 $384 $426 $26 $128 $1,152 $96
F-150 Lariat King Ranch 2WD $188 $384 $426 $26 $128 $1,152 $96
F-150 Lariat King Ranch 4WD $210 $384 $426 $26 $128 $1,174 $98
F-150 Lariat Crew Cab Harley 4WD $210 $384 $426 $26 $128 $1,174 $98
F-150 Lariat Crew Cab Platinum 4WD $210 $384 $426 $26 $128 $1,174 $98
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific Rhode Island garaging location which can raise or lower auto insurance rates significantly.

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Insuring your vehicle with a high-quality insurer is hard considering how many different companies insure vehicles in Rhode Island. The company information in the lists below can help you select which insurers to look at comparing price quotes from. These rankings are for major nationwide insurance companies, so companies that have a smaller presence will not be included in the list.

Top 10 Large Auto Insurers Overall in Rhode Island

  1. The General
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

Top 10 Large Auto Insurers in Rhode Island Ranked by Customer Service

  1. American Family
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. GEICO
  7. USAA
  8. Allstate
  9. Farmers Insurance
  10. Safeco Insurance

Top Companies for Ford F-150 Insurance in Rhode Island

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

Careless driving habits raise Rhode Island insurance rates

In a perfect world, the best way to maintain cheap insurance for a Ford F-150 in Rhode Island is to drive carefully and not receive tickets or have accidents. The diagram below highlights how speeding tickets and at-fault claims can raise insurance costs for each age group. The data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

In the previous chart, the average cost of car insurance in Rhode Island per year with a clean driving record and no accidents is $2,794. Get one speeding ticket and the average cost hikes up to $3,147, an increase of $353 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Ford F-150 jumps again to an average of $6,073. That’s an increase of $3,279, or $273 per month, just for not being more responsible behind the wheel!

How to get discounts on Rhode Island insurance rates

Cheaper Rhode Island insurance for a F-150 pickupInsurance providers that sell cheap insurance for a Ford F-150 in Rhode Island may also provide policy discounts that can reduce rates by 30% or more if you meet specific eligibility requirements. The best insurance companies and some of their more popular discounts are outlined below.

  • Progressive offers discounts for multi-policy, multi-vehicle, continuous coverage, good student, and online quote discount.
  • AAA discounts include multi-car, good driver, education and occupation, AAA membership discount, multi-policy, good student, and anti-theft.
  • Farmers Insurance includes discounts for electronic funds transfer, youthful driver, teen driver, multi-car, and mature driver.
  • GEICO offers premium reductions for multi-policy, anti-theft, military active duty, daytime running lights, federal employee, and defensive driver.
  • Esurance has savings for multi-policy, claim free, paid-in-full, good driver, and defensive driver.
  • SAFECO offers discounts including drive less, anti-lock brakes, anti-theft, safe driver, accident prevention training, teen safety rewards, and bundle discounts.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, good student, accident-free, multiple policy, and safe vehicle.

The illustration below shows the comparison of auto insurance costs with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no claims, Rhode Island state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, safe-driver, homeowner, marriage, accident-free, and defensive driving course discounts applied. When taking advantage of discounts, the average amount saved on insurance for a Ford F-150 is 28% or $687.

The information below demonstrates how deductible levels can impact premium costs when searching for cheap insurance for a Ford F-150. The data assumes a married male driver, comp and collision included, and no discounts are factored in.

In the chart above, a 30-year-old driver could cut expenses by $326 a year by switching from a $100 deductible to a $500 deductible, or save $498 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old, can cut as much as $972 every year just by choosing higher deductibles.

When increasing deductibles, it is necessary to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles. Use our FREE quote tool to compare now!

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