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How Much Does Insurance Cost for a Ford F-150 in New Hampshire?

When discussing car insurance, the word affordable shouldn’t be used anywhere in the article to describe car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Ford F-150 may be a thing of the past. But don’t despair, because there may be ways you can still find auto insurance that is more affordable than your current policy.

Buying cheaper coverage for a Ford F-150 in New Hampshire depends on a lot of rating criteria such as how you use your F-150, your current insurance company, and if you have a clean driving record. Drivers pay on average $740 annually to buy insurance for a Ford F-150, but that amount is a valuation using a 50-year-old married female driver who requires full coverage and $100 policy deductibles.

More likely than not, you are not exactly 50 years old and possibly not even female, single instead of married, or maybe you have a couple of speeding tickets. This demonstrates why the most reliable method for finding cheap insurance rates for your Ford is to make a habit of regularly comparing rates from other companies. Quotes are free and easy and you will be able to see rates from top-rated companies that insure Ford vehicles in New Hampshire.

Save Now on F-150 Insurance

Your Ford’s trim level tends to have a direct effect on the yearly cost, so the price you will be charged to insure a F-150 XL Regular Cab 2WD trim level will be $224 lower than the price to insure the higher-priced F-150 Lariat Crew Cab Platinum 4WD version, as shown below.

Ford F-150 Insurance Rates in New Hampshire
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
F-150 XL Regular Cab 2WD$136$198$224$14$66$638$53
F-150 STX Regular Cab 2WD$136$252$224$14$66$692$58
F-150 XL Super Cab 2WD$136$252$224$14$66$692$58
F-150 XLT Regular Cab 2WD$136$252$224$14$66$692$58
F-150 STX Super Cab 2WD$136$252$224$14$66$692$58
F-150 XL Crew Cab 2WD$158$252$224$14$66$714$60
F-150 XLT Super Cab 2WD$158$252$224$14$66$714$60
F-150 STX Regular Cab 4WD$158$252$224$14$66$714$60
F-150 XL Regular Cab 4WD$158$252$224$14$66$714$60
F-150 FX2 Super Cab 2WD$158$252$224$14$66$714$60
F-150 XLT Crew Cab 2WD$158$252$224$14$66$714$60
F-150 XL Super Cab 4WD$158$252$224$14$66$714$60
F-150 XLT Regular Cab 4WD$158$252$224$14$66$714$60
F-150 XL Crew Cab 4WD$178$252$224$14$66$734$61
F-150 STX Super Cab 4WD$178$252$224$14$66$734$61
F-150 XLT Super Cab 4WD$178$252$224$14$66$734$61
F-150 FX2 2WD$178$306$224$14$66$788$66
F-150 Lariat Super Cab 2WD$178$306$224$14$66$788$66
F-150 Lariat Crew Cab 2WD$178$306$224$14$66$788$66
F-150 FX4 Super Cab 4WD$178$306$224$14$66$788$66
F-150 XLT Crew Cab 4WD$178$306$224$14$66$788$66
F-150 FX4 4WD$178$306$224$14$66$788$66
F-150 Lariat Crew Cab 4WD$178$306$224$14$66$788$66
F-150 SVT Raptor Super Cab 4WD$178$306$224$14$66$788$66
F-150 Lariat Super Cab 4WD$178$306$224$14$66$788$66
F-150 Lariat Crew Cab Platinum 2WD$178$360$224$14$66$842$70
F-150 Lariat Crew Cab Harley 2WD$178$360$224$14$66$842$70
F-150 Lariat King Ranch 2WD$178$360$224$14$66$842$70
F-150 Lariat King Ranch 4WD$198$360$224$14$66$862$72
F-150 Lariat Crew Cab Harley 4WD$198$360$224$14$66$862$72
F-150 Lariat Crew Cab Platinum 4WD$198$360$224$14$66$862$72
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can raise or lower premiums noticeably.

Ending up with a highly-rated company can be rather challenging considering how many different companies there are to choose from in New Hampshire. The rank data in the next section can help you pick which car insurance companies to look at when looking for cheaper rates.

These rankings only include major nationwide insurance companies, so companies that focus mainly on New Hampshire business are not taken into consideration for the list. To view rates from the most competitive companies in New Hampshire, click this link.

Top 10 Major Auto Insurance Companies in New Hampshire Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. GEICO
  5. State Farm
  6. Nationwide
  7. The General
  8. Allstate
  9. The Hartford
  10. 21st Century

Top Companies for Ford F-150 Insurance in New Hampshire

How violations and accidents impact rates

The easiest way to enjoy low car insurance rates in New Hampshire for a F-150 pickup is to drive carefully and avoid accidents and traffic violations. The diagram below demonstrates how citations and fender-benders can influence car insurance costs for different insured age categories. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

In the prior example, the average cost of an auto insurance policy in New Hampshire per year with a clean driving record and no accidents is $1,150. Receive two speeding tickets and the average cost surges to $1,529, an increase of $379 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Ford F-150 increases to an average of $3,091. That’s an increase of $1,941, or $162 per month, just for being a careless driver!

Get discount New Hampshire auto insurance

Discounts on car insurance for a Ford F-150Insurance companies that offer cheap insurance for a Ford F-150 in New Hampshire could also offer discounts that may potentially lower prices by 25% or more if you meet the requirements. A list of companies and some of their more popular discounts are outlined below.

  • GEICO has savings for multi-policy, anti-lock brakes, good student, air bags, and military active duty.
  • USAA may offer discounts for new vehicle, loyalty savings, driver training, multi-vehicle, vehicle storage, multi-policy, and annual mileage.
  • Progressive may have discounts that include good student, online signing, homeowner, online quote discount, and multi-policy.
  • American Family offers discounts for multi-vehicle, defensive driver, bundled insurance, good driver, air bags, TimeAway discount, and mySafetyValet.
  • Esurance offers premium reductions for safety device, multi-policy, emergency road assistance, defensive driver, Switch & Save, and homeowner.
  • Farmers Insurance policyholders can earn discounts including youthful driver, early shopping, distant student, mature driver, and bundle discounts.
  • State Farm offers discounts including multiple policy, good driver, student away at school, defensive driving training, Steer Clear safe driver discount, and Drive Safe & Save.

The information below compares insurance premiums with and without discounts applied to the rates. Data assumes a male driver, no violations or claims, New Hampshire state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, marriage, accident-free, multiple policy, anti-theft, and defensive driving course discounts applied. When discounts are factored in, the average savings per year on car insurance for a Ford F-150 is 27% or $416.

The importance of comparing F-150 insurance rates

New Hampshire car insurance rates are determined by lots of factors that can increase the policy price. Simply having a birthday, buying a new vehicle, or getting a driving violation can cause premium changes that can now make some companies more affordable than others. Not only that, but insurance companies change prices as often as every three months to ensure their profitability. Significantly higher claims may result in higher priced premiums, while long-term profits may cause cheaper F-150 insurance rates.

To illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in New Hampshire for a 35-year-old female driver with a good driving record, no prior claims, and great credit. If we compare prices based on her current risk profile, Travelers offers the lowest car insurance rates in New Hampshire at $702 a year. This is $828 less than the average price paid by New Hampshire drivers of $1,530. Concord, Patriot, USAA, and Amica are also included in the top five cheapest New Hampshire auto insurance companies.

In this example, we will give the driver in the first chart a chargeable claim, a lower credit rating, and a couple of points charged on her driving record. Due to the fact that every insurance company has a different formula for filing rates in each state, comparing rates may now show a substantially altered list of the cheapest car insurance companies in New Hampshire as shown below.

Concord now has the cheapest rate in New Hampshire with Encompass, Progressive, MMG Insurance, and Patriot also having competitive pricing. This example proves why it is so important to shop around with many companies to get cheap insurance quotes for a Ford F-150. Car insurance prices are made up of many things and change dramatically, so the cheapest company two years ago may now cost much more than other companies.

Who has the cheapest Ford F-150 insurance quotes?

There are many ways to compare car insurance prices in New Hampshire, but the most frequently used methods are from an independent agent, a captive (or exclusive) agency like Allstate or Auto-Owners, or direct online or over the phone from a company like Progressive or Geico.

They all have the same basic principle, but they are slightly different in how they provide price quotes.

Independent agencies have contracts with multiple insurance companies and can get rate quotes from each one. These agents have the ability to quote rates with many companies, which may give you more bang for your buck. If you are not satisfied with one company, you can get a different policy which prevents you from having to find an new insurance agent.

Exclusive agencies are only able to give rates for one company, two of the more popular are State Farm and Auto-Owners agents. This type of agents cannot provide prices from multiple companies, so drivers will want to get other quotes as well.

The final way is buying direct, which means you forego an agent and buy direct either online or via phone. Shopping for car insurance direct can be a good choice for people who have limited assets and have an above average understanding of the exclusions of a policy.

So which one of the three ways works best to buy cheap insurance for a Ford F-150 in New Hampshire? Most people would assume that buying from a direct car insurance company results in the cheapest price since there is no middleman, but that does not always hold true. We could also assume that going through an independent agent is the best way to save due to more options, but again, that’s not accurate. And often times, exclusive agents may have very competitive prices that are well below what direct and independents offer.

Because there are so many factors that make up car insurance rates, the best way to ensure you are not overpaying is to compare lots of quotes. To cover all the bases, get price quotes from all three to get an idea of which is cheapest. For a list of companies offering online discounts in New Hampshire, click here to view.

How to find cheaper car insurance for a Ford F-150

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching solutions that can help you get the cheapest car insurance.

  • Higher physical damage deductibles lower rates
  • Pay for small claims rather than turning them in to your insurance company
  • Keep your driving record clean
  • At-fault accidents will increase rates
  • Older vehicles may not need full coverage
  • Compare quotes from other companies often

That last tip is highly valuable, as we stressed in the article above. Prices charged by auto insurers can change considerably based on profitability, so don’t be unwilling to switch carriers if a more affordable price is available. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that dedication is costing hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around to find cheaper auto insurance for a Ford F-150.

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