How Much is Insurance for a Ford F-150 in Ohio?
Enter your Ohio zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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Finding the best cheap auto insurance for a Ford F-150 in Ohio is contingent on a complicated formula that considers factors like the number of years you have been licensed, if you have maintained coverage continuously, and if you had any at-fault accidents in the last few years. Ohio drivers on average pay around $660 annually to insure a F-150, but that figure is a valuation based upon a 30-year-old married female driver that has full comprehensive and collision coverage and $500 physical damage deductibles.
But there is a good chance that you are not 30 and maybe not even a female, single instead of married, or you have a violation or two on your driving record. Just a slight change in the criteria used to calculate rates can create big changes in the policy cost.
Having different needs demonstrates why the best way to find the cheapest coverage for your Ford is to just take the time to do a thorough rate comparison.
The trim level of your vehicle tends to have a direct impact on the coverage cost, so the price you pay to insure a F-150 XL Regular Cab 2WD trim level will be $180 less expensive the cost to insure the more expensive 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||$120||$150||$232||$14||$70||$586||$49|
|F-150 STX Regular Cab 2WD||$120||$192||$232||$14||$70||$628||$52|
|F-150 XL Super Cab 2WD||$120||$192||$232||$14||$70||$628||$52|
|F-150 XLT Regular Cab 2WD||$120||$192||$232||$14||$70||$628||$52|
|F-150 STX Super Cab 2WD||$120||$192||$232||$14||$70||$628||$52|
|F-150 XL Crew Cab 2WD||$138||$192||$232||$14||$70||$646||$54|
|F-150 XLT Super Cab 2WD||$138||$192||$232||$14||$70||$646||$54|
|F-150 STX Regular Cab 4WD||$138||$192||$232||$14||$70||$646||$54|
|F-150 XL Regular Cab 4WD||$138||$192||$232||$14||$70||$646||$54|
|F-150 FX2 Super Cab 2WD||$138||$192||$232||$14||$70||$646||$54|
|F-150 XLT Crew Cab 2WD||$138||$192||$232||$14||$70||$646||$54|
|F-150 XL Super Cab 4WD||$138||$192||$232||$14||$70||$646||$54|
|F-150 XLT Regular Cab 4WD||$138||$192||$232||$14||$70||$646||$54|
|F-150 XL Crew Cab 4WD||$156||$192||$232||$14||$70||$664||$55|
|F-150 STX Super Cab 4WD||$156||$192||$232||$14||$70||$664||$55|
|F-150 XLT Super Cab 4WD||$156||$192||$232||$14||$70||$664||$55|
|F-150 FX2 2WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 Lariat Super Cab 2WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 Lariat Crew Cab 2WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 FX4 Super Cab 4WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 XLT Crew Cab 4WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 FX4 4WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 Lariat Crew Cab 4WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 SVT Raptor Super Cab 4WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 Lariat Super Cab 4WD||$156||$234||$232||$14||$70||$706||$59|
|F-150 Lariat Crew Cab Platinum 2WD||$156||$276||$232||$14||$70||$748||$62|
|F-150 Lariat Crew Cab Harley 2WD||$156||$276||$232||$14||$70||$748||$62|
|F-150 Lariat King Ranch 2WD||$156||$276||$232||$14||$70||$748||$62|
|F-150 Lariat King Ranch 4WD||$174||$276||$232||$14||$70||$766||$64|
|F-150 Lariat Crew Cab Harley 4WD||$174||$276||$232||$14||$70||$766||$64|
|F-150 Lariat Crew Cab Platinum 4WD||$174||$276||$232||$14||$70||$766||$64|
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific Ohio garaging location which can alter rates substantially.
Insuring your vehicle with the best insurer is difficult considering how many companies sell insurance in Ohio. The ranking data displayed below could help you analyze which companies to look at comparing rate quotes with.
The ratings below are only comprised of major nationwide insurance companies, so smaller regional companies are not included in this list. To compare price quotes from the most competitive companies in Ohio, simply click here.
Top 10 Major Auto Insurance Companies in Ohio Ranked by Customer Satisfaction
- USAA – 92%
- 21st Century – 88%
- Erie Insurance – 88%
- Nationwide – 88%
- American Family – 88%
- State Farm – 88%
- Progressive – 87%
- Liberty Mutual – 87%
- AAA Insurance – 87%
- The Hartford – 87%
Top 10 Major Auto Insurance Companies in Ohio Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
- Titan Insurance
Top Companies for Ford F-150 Insurance in Ohio
Enter your zip code below to view companies that have cheap auto insurance rates.
Discounts on Ohio auto insurance
Insurance providers that provide cheap insurance for a Ford F-150 in Ohio could also offer special discounts that could potentially reduce rates by 25% or more if you can meet the requirements. Larger insurance companies and a summarized list of policyholder discounts are included below.
- State Farm includes discounts for defensive driving training, good driver, student away at school, Drive Safe & Save, good student, passive restraint, and multiple policy.
- GEICO discounts include daytime running lights, good student, federal employee, defensive driver, and anti-lock brakes.
- Progressive has discounts for online quote discount, good student, multi-vehicle, online signing, multi-policy, and homeowner.
- 21st Century may include discounts for homeowners, defensive driver, teen driver, student driver, and driver training.
- American Family offers discounts including bundled insurance, multi-vehicle, mySafetyValet, defensive driver, and Steer into Savings.
- The Hartford offers premium reductions for bundle, defensive driver, driver training, vehicle fuel type, air bag, and good student.
- AAA offers discounts for good driver, good student, AAA membership discount, multi-policy, anti-theft, and multi-car.
The example below shows the difference between car insurance rates with and without discounts applied to the policy rates. The data is based on a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, vehicle safety, marriage, passive restraint, homeowner, and claim-free discounts applied. When drivers take advantage of discounts, the amount saved on insurance for a Ford F-150 is 27% or $377.
Why you should be shopping around
Ohio insurance rates are influenced by many factors which can substantially change the cost of having a policy. Simply having a birthday, buying a different vehicle, or getting a couple of tickets can trigger price changes resulting in some companies being cheaper in comparison to the competition.
Also, insurers change premium rates at least once a year as an adjustment for underwriting gains or losses. An extended period of higher than normal claims can result in a rate increase, while less frequent claims may produce cheaper F-150 insurance rates.
The graph below shows rates for the cheapest car insurance in Ohio for a 30-year-old female driver with no prior claims, no tickets, and a good credit history. If we compare prices based on her current rating profile, Utica National might offer the cheapest car insurance rates in Ohio at $635 each year. This is $405 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the remainder of the cheapest Ohio auto insurance companies.
Now let’s give the driver from the first set of rates a couple of claims, a lower credit rating, and a few traffic violations. Due to the fact that every auto insurer has a unique formula to determining premium rates, getting updated rate quotes may now show a different set of companies as shown below.
Merchants Insurance Group now has the cheapest rate in Ohio with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This example illustrates why Ohio drivers need to shop around to find the lowest auto insurance quotes for a Ford F-150. Insurance prices are calculated by many factors and change dramatically, so the most economical company the last time you checked may now not even be in the top five.
How to find cheaper insurance for a Ford F-150
The list below details some thrifty solutions that can help Ohio drivers buy cheap coverage.
- Avoid having at-fault accidents
- Buying car and homeowners insurance together can save money
- Safe vehicles cost less to insure
- Save money by observing traffic laws and speed limits
- Pay for smaller claims out-of-pocket
- Compare rates once a year for cheaper prices
The last idea is notably necessary, as was emphasized in this write-up. Insurance rates in Ohio can change considerably based on profitability, so drivers shouldn’t be reluctant to buy a different policy if you find a cheaper price. Many drivers prefer to stick with one company, but we do not recommend it if it’s costing you hundreds every year. In less than five minutes you could shop around to find cheaper insurance for a Ford F-150.
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