How Much is Insurance for a Ford F-150 in Nevada?
Our staff writers always rib each other than when writing about auto insurance, the word affordable really shouldn’t be used anywhere in the article to describe car insurance rates. It’s a simple fact that cheap car insurance for a Ford F-150 just does not exist. Don’t let that spoil your day, because there may be ways you can still get car insurance that is more budget-friendly.
Finding the best cheap insurance for a Ford F-150 in Nevada is contingent on a calculation that uses factors like if you own your home, your credit score, and physical damage deductibles. Nevada drivers on average pay approximately $1,140 every 12 months to insure their F-150, but that is a ballpark figure using rate data for a 50-year-old single male that purchased both comprehensive and collision coverage and $100 policy deductibles.
More likely than not, you aren’t exactly 50 years old or even a male, you might be married instead of single, or maybe your driving record isn’t squeaky clean. Using even a minor difference in the rating criteria used to formulate rates can create big changes in price quotes.
This example demonstrates why the way we recommend to find affordable rates for your Ford is to make a habit of comparing rates at every renewal. Price quotes are quick and you will receive price comparisons from some of the best companies available.
The trim level of your Ford will likely have an effect on the cost of coverage, so the price to insure a F-150 XL Regular Cab 2WD model will be $352 cheaper than the cost to insure the higher-priced F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$198||$318||$348||$20||$104||$988||$82|
|F-150 STX Regular Cab 2WD||$198||$406||$348||$20||$104||$1,076||$90|
|F-150 XL Super Cab 2WD||$198||$406||$348||$20||$104||$1,076||$90|
|F-150 XLT Regular Cab 2WD||$198||$406||$348||$20||$104||$1,076||$90|
|F-150 STX Super Cab 2WD||$198||$406||$348||$20||$104||$1,076||$90|
|F-150 XL Crew Cab 2WD||$228||$406||$348||$20||$104||$1,106||$92|
|F-150 XLT Super Cab 2WD||$228||$406||$348||$20||$104||$1,106||$92|
|F-150 STX Regular Cab 4WD||$228||$406||$348||$20||$104||$1,106||$92|
|F-150 XL Regular Cab 4WD||$228||$406||$348||$20||$104||$1,106||$92|
|F-150 FX2 Super Cab 2WD||$228||$406||$348||$20||$104||$1,106||$92|
|F-150 XLT Crew Cab 2WD||$228||$406||$348||$20||$104||$1,106||$92|
|F-150 XL Super Cab 4WD||$228||$406||$348||$20||$104||$1,106||$92|
|F-150 XLT Regular Cab 4WD||$228||$406||$348||$20||$104||$1,106||$92|
|F-150 XL Crew Cab 4WD||$258||$406||$348||$20||$104||$1,136||$95|
|F-150 STX Super Cab 4WD||$258||$406||$348||$20||$104||$1,136||$95|
|F-150 XLT Super Cab 4WD||$258||$406||$348||$20||$104||$1,136||$95|
|F-150 FX2 2WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 Lariat Super Cab 2WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 Lariat Crew Cab 2WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 FX4 Super Cab 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 XLT Crew Cab 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 FX4 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 Lariat Crew Cab 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 SVT Raptor Super Cab 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 Lariat Super Cab 4WD||$258||$494||$348||$20||$104||$1,224||$102|
|F-150 Lariat Crew Cab Platinum 2WD||$258||$582||$348||$20||$104||$1,312||$109|
|F-150 Lariat Crew Cab Harley 2WD||$258||$582||$348||$20||$104||$1,312||$109|
|F-150 Lariat King Ranch 2WD||$258||$582||$348||$20||$104||$1,312||$109|
|F-150 Lariat King Ranch 4WD||$286||$582||$348||$20||$104||$1,340||$112|
|F-150 Lariat Crew Cab Harley 4WD||$286||$582||$348||$20||$104||$1,340||$112|
|F-150 Lariat Crew Cab Platinum 4WD||$286||$582||$348||$20||$104||$1,340||$112|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in zip code location which can decrease or increase price quotes considerably.
Insuring your vehicle with the highest-rated insurer is difficult considering how many choices there are in Nevada. The company rank data in the lists below could help you pick which car insurance providers you want to consider when comparing insurance rates for a Ford F-150. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not factored into the list.
Top 10 Major Auto Insurance Providers in Nevada Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Titan Insurance – A+
- Progressive – A+
- Mercury Insurance – A+
Top 10 Major Auto Insurance Providers in Nevada Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- State Farm
- AAA Insurance
- Mercury Insurance
Top Companies for Ford F-150 Insurance in Nevada
The chart below illustrates how choosing a deductible can impact insurance costs when searching for cheap insurance for a Ford F-150. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could pocket $218 a year by changing from a $100 deductible up to a $500 deductible, or save $332 by changing to a $1,000 deductible. Young drivers, like the 20-year-old example, could possibly save as much as $546 every year by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it is a good idea to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Rate increases following a ticket or accident
A great way to snag cheap insurance premiums in Nevada for a F-150 pickup is to drive safely and avoid accidents and traffic violations. The diagram below shows how traffic citations and at-fault collisions can affect car insurance costs for different insured age categories. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of car insurance in Nevada per year with no violations or accidents is $1,196. Add in one speeding ticket and the average cost rises to $1,395, an increase of $199 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford F-150 goes up to an average of $3,251. That’s an increase of $2,055, or $171 per month, just for being a less-than-perfect driver!
Which car insurance company is best?
If you’re looking for the cheapest insurance for a F-150 pickup, four of the best places to start are State Farm, Geico, Allstate, and Progressive. The next table ranks ratings for price, service, and claims, in additional to some of the optional coverages you can buy with each company.
|Percent of customers who recommend||88%||87%||86%||88%|
|A.M. Best financial rating||A++||A++||A+||A+|
|Rating based on usage||Yes||No||Yes||Yes|
|New car replacement insurance||No||No||Yes||No|
|Accident forgiveness coverage||No||Yes||Yes||Yes|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
|Coverage in Nevada||Yes||Yes||Yes||Yes|
|Types of agents used||Can only buy from State Farm agents||Can buy online or use a Geico agent||Only buy from Allstate agents||Online or from independent agents|
|Number of agents||18,000+||150+||11,000+||30,000+|
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Find cheap insurance for a Ford F-150 in Nevada
It’s not impossible to find cheaper rates, and here are a few money-saving ideas that can help Nevada drivers find cheap auto insurance.
- Get cheaper liability coverage by choosing a safer vehicle
- Home or renters coverage can save on auto insurance
- Higher credit scores may earn you cheaper rates
- On older vehicles, drop full coverage
- Remain accident-free and save
- Check for cheaper rates once a year
That last piece of advice is certainly necessary, as we hit on in the article above. Coverage rates can change considerably based on profitability, so don’t be hesitant to change insurance companies if a cheaper price is available.
Many drivers prefer to stick with one company, but it’s not a good idea if that loyalty ends up costing hundreds of dollars a year. Now is a great time to compare prices and find cheaper insurance for a Ford F-150.
Cheap Ford F-150 insurance quotes
Drivers have a lot of different ways to compare insurance prices in Nevada, but the most common are either through an exclusive insurance agent like State Farm or Allstate, an independent or non-exclusive agent, or direct either online or via phone.
You can use whichever method you prefer, but it’s important to understand the differences in how they function.
Independent agents are appointed by several companies and can quote your policy with all of them. Agents of this type are usually affiliated with several companies and can quote rates with many companies, which can give you improved chances of finding a lower rate. If your agent finds a cheaper company, your policy can be easily switched to a different company without having to get a different agent.
An exlusive, or captive, agency is restricted to one insurance company, for example a Liberty Mutual or State Farm agent. Exclusive agents are unable to quote prices from more than a single company, which necessitates shopping around.
Choosing to buy insurance direct means you do not use the middleman (the agent) and instead shop direct either online or via phone. Buying direct may be the best choice consumers who do not need advice for asset protection and know more than average about the limitations of insurance.
Which method works best for finding cheap insurance for a Ford F-150 in Nevada? The majority of people assume that buying from a direct company results in the best prices since there isn’t an agent involved, but that turns out to not be true. It could also be said an independent agent guarantees the lowest rates since they have access to many companies, but again, it’s not a sure thing. In the right set of circumstances, exclusive agents may have prices that cannot be beaten by either independent or direct companies.
Since insurance prices vary so much, really the only way to find out which one is cheapest is to get rate quotes and compare. Money-saving experts recommend you get price quotes from independent, exclusive, and direct to give yourself plenty of rates to compare. For a list of companies with online discounts, click here to view.
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