How Much Does Insurance Cost for a Ford F-150 in Oregon?
Enter your Oregon zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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We always joke that when we write about car insurance, the words “affordable” or “cheap” should not be used as a descriptor for car insurance rates. It’s just reality that cheap car insurance for a Ford F-150 does not exist. Don’t let that ruin your day, because we can show you some ways you can still find and buy auto insurance that is easy on your budget.
Your odds of finding the cheapest car insurance for a Ford F-150 in Oregon hinges on a complex calculation that is influenced by things such as how many miles you drive each year, where your vehicle is garaged, and if your driving record is clean. Drivers will pay on average $1,180 each year to buy Ford F-150 insurance, but that cost is based on a 50-year-old single male who needs full physical damage coverage and $100 policy deductibles.
It’s highly likely you are not a 50-year-old male, married instead of single, or maybe you want different physical damage deductibles. Even a minor difference in the factors used in pricing a policy could end up with a large change in the cost of insurance.
There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding the most affordable coverage for your Ford is to comparison shop your policy at each renewal. Price quotes are quick and you will receive rate quotes from some of the best insurers that offer coverage in Oregon.
Your vehicle’s trim level will likely have an effect on the coverage cost, so the price to insure a F-150 XL Regular Cab 2WD model will be $364 less expensive the insurance cost for the more costly 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||$206||$330||$362||$22||$108||$1,028||$86|
|F-150 STX Regular Cab 2WD||$206||$420||$362||$22||$108||$1,118||$93|
|F-150 XL Super Cab 2WD||$206||$420||$362||$22||$108||$1,118||$93|
|F-150 XLT Regular Cab 2WD||$206||$420||$362||$22||$108||$1,118||$93|
|F-150 STX Super Cab 2WD||$206||$420||$362||$22||$108||$1,118||$93|
|F-150 XL Crew Cab 2WD||$236||$420||$362||$22||$108||$1,148||$96|
|F-150 XLT Super Cab 2WD||$236||$420||$362||$22||$108||$1,148||$96|
|F-150 STX Regular Cab 4WD||$236||$420||$362||$22||$108||$1,148||$96|
|F-150 XL Regular Cab 4WD||$236||$420||$362||$22||$108||$1,148||$96|
|F-150 FX2 Super Cab 2WD||$236||$420||$362||$22||$108||$1,148||$96|
|F-150 XLT Crew Cab 2WD||$236||$420||$362||$22||$108||$1,148||$96|
|F-150 XL Super Cab 4WD||$236||$420||$362||$22||$108||$1,148||$96|
|F-150 XLT Regular Cab 4WD||$236||$420||$362||$22||$108||$1,148||$96|
|F-150 XL Crew Cab 4WD||$266||$420||$362||$22||$108||$1,178||$98|
|F-150 STX Super Cab 4WD||$266||$420||$362||$22||$108||$1,178||$98|
|F-150 XLT Super Cab 4WD||$266||$420||$362||$22||$108||$1,178||$98|
|F-150 FX2 2WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 Lariat Super Cab 2WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 Lariat Crew Cab 2WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 FX4 Super Cab 4WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 XLT Crew Cab 4WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 FX4 4WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 Lariat Crew Cab 4WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 SVT Raptor Super Cab 4WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 Lariat Super Cab 4WD||$266||$512||$362||$22||$108||$1,270||$106|
|F-150 Lariat Crew Cab Platinum 2WD||$266||$602||$362||$22||$108||$1,360||$113|
|F-150 Lariat Crew Cab Harley 2WD||$266||$602||$362||$22||$108||$1,360||$113|
|F-150 Lariat King Ranch 2WD||$266||$602||$362||$22||$108||$1,360||$113|
|F-150 Lariat King Ranch 4WD||$298||$602||$362||$22||$108||$1,392||$116|
|F-150 Lariat Crew Cab Harley 4WD||$298||$602||$362||$22||$108||$1,392||$116|
|F-150 Lariat Crew Cab Platinum 4WD||$298||$602||$362||$22||$108||$1,392||$116|
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Oregon which can lower or raise premium rates considerably.
Trying to buy budget insurance is not the easiest thing to do, and finding out which company quotes the most affordable insurance rates for a Ford F-150 involves even more perseverance. Every insurance company has their own unique process to set their prices, so let’s take a look at the most affordable insurance companies in Oregon.
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Keep in mind that Oregon insurance rates are impacted by many factors that can increase the policy premium. Taking a driver safety course, getting married, or getting a speeding ticket can produce rate changes resulting in some companies being more expensive than competitors.
|Rank||Company||Cost Per Year|
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Grange quotes some of the best car insurance rates in Oregon at around $694 each year. Oregon Mutual, Country, USAA, and Travelers would also be considered some of the cheapest Oregon car insurance companies.
In the above example, if you buy coverage from Travelers and switched to Oregon Mutual, you could realize an annual premium reduction of in the vicinity of $124. Policyholders with State Farm could save as much as $201 a year, and GEICO customers might cut rates by $316 a year.
To find cheap insurance for a Ford F-150 in Oregon for your vehicle, click here to start your custom quote or feel free to get quotes from the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Be aware that those estimates are averages across all drivers and vehicles in Oregon and are not factoring in a specific rate value for a Ford F-150. So the auto insurance company that can offer the best rates for your situation may not even be included in the company chart above. That’s why you need to quote rates from many companies using your own driver and vehicle profiles.
How to get discounts on Oregon insurance rates
Auto insurance companies that sell cheap insurance for a Ford F-150 in Oregon may provide discounts that could lower prices by as much as 35% or more if you meet the requirements. A few popular companies and a summarized list of policyholder discounts are shown below.
- 21st Century includes discounts for good student, student driver, homeowners, defensive driver, 55 and older, automatic seat belts, and teen driver.
- State Farm has savings for Drive Safe & Save, good driver, anti-theft, good student, and safe vehicle.
- AAA offers discounts including multi-policy, pay-in-full, AAA membership discount, anti-theft, education and occupation, and good student.
- Liberty Mutual policyholders can earn discounts including hybrid vehicle, safety features, good student, new graduate, and multi-policy.
- Progressive may include discounts for multi-policy, multi-vehicle, continuous coverage, online quote discount, good student, online signing, and homeowner.
The diagram below shows the comparison of insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, a clean driving record, no at-fault accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, multiple policy, claim-free, marriage, defensive driving course, and homeowner discounts applied. When these discounts are applied, the average savings per year on insurance for a Ford F-150 is 28% or $541.
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Oregon insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Improving your credit score, moving to a new city, or getting a few speeding tickets can trigger rate changes resulting in some companies being cheaper than competitors. Additionally, insurance companies change the rates they charge in Oregon without warning to ensure their profitability. An extended period of higher than normal claims may result in additional price hikes, while less frequent claims may produce cheaper F-150 insurance rates.
The data below shows a variety of companies that have the cheapest car insurance in Oregon for a 45-year-old male driver with no violations or accidents, and great credit. When comparing rates based on his personal profile, Grange might quote the cheapest car insurance rates in Oregon at $687 a year. This is $791 less than the average premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, USAA, and Travelers are the rest of the cheapest Oregon auto insurance companies.
Now we will pretend the driver in the first chart an at-fault accident, slightly worse credit, and a blemish on his driving record. Since each insurance company uses their own calculation for determining rates, comparing rates may now present a slightly different list of the cheapest companies as shown below.
Oregon Mutual now has the cheapest rate in Oregon with Amica, Mutual Enumclaw, GEICO, and California Casualty completing the list. This demonstrates why it is important to perform an extensive rate comparison to get the cheapest car insurance quotes for a Ford F-150.
Rates are impacted by many factors and change dramatically, so the best option the last time you shopped around may now be wasting a lot of money.
Best cheap Ford F-150 insurance quotes
You have many ways to shop for and buy insurance in Oregon, but the most frequently used methods are from an independent insurance agent, a captive (or exclusive) agent like State Farm or Allstate, or direct either online or via phone.
All three ways can provide insurance quotes, but buyers need to know the differences in how they price policies.
Independent insurance agencies have contracts with multiple insurance companies and can compare coverage rates with every one. These agents do not sell for just one brand and can compare multiple rates, which may provide you with improved chances of finding a lower rate. If the agent locates a cheaper price, they can switch companies in-house and that require little work on your part.
An exclusive ageny is ‘exlusive’ to a single insurance company, two examples are an Allstate or State Farm agent. These agents normally cannot quote prices from more than a single company, which does not give you the best rate comparison.
The third way to buy insurance is direct which means you forego local agents and instead buy direct either online or via phone. This insurance option may be the best choice people who do not need high amounts of coverage and have a good understanding of how their policy works.
So comparing independent agents, exclusive agents, and direct, which one works best to buy cheap insurance for a Ford F-150 in Oregon? Most people would assume that buying direct yields the cheapest rates since no commissions are paid to an agent, but unfortunately, it’s not that simple. We could also assume that buying from an independent agent guarantees the lowest rates since they can quote with many companies, but that’s not always true, either. And sometimes, exclusive agencies have extremely competitive rates that other insurance companies cannot touch.
Due to that fact that insurance uses so many rating variables, the guaranteed way to ensure you are not overpaying is to obtain price quotes and compare them. It’s recommended that drivers get quotes from all three types in order to have the best selection to choose from. For a list of companies offering online discounts in Oregon, click here to view.
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