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Who Has Cheap Insurance for a Ford F-150 in Illinois?

When talking about car insurance, the word affordable really should not be used as a descriptor for car insurance rates. Despite the oxymoron, cheap auto insurance for a Ford F-150 can be hard, if not impossible, to find. But don’t despair, because we are going to tell you how you can still get coverage that is cheaper than what you have now.

Buying the best cheap auto insurance for a Ford F-150 in Illinois depends on a complex equation that considers factors like how old you are, if you are currently insured, and blemishes on your driving record. Drivers pay around $1,090 per year for F-150 insurance, but that price is an estimation that uses a 40-year-old single female who purchased full physical damage coverage and $100 policy deductibles.

There is a really good chance that you are not 40 and maybe not even a female, married instead of single, or you want lower deductibles. What seems to be a minor change in rating criteria can cause significant differences in how much coverage for a Ford F-150 costs.

Each driver has unique rating factors, so the only way to find affordable rates for your Ford is to compare rates from as many companies as possible.

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Your Ford’s trim level will influence the cost of insurance, so the rate you will pay to insure a F-150 XL Regular Cab 2WD will be $328 less than the price to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD trim level, as shown by the rates below.

Ford F-150 Insurance Rates in Illinois
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
F-150 XL Regular Cab 2WD$188$296$340$20$102$946$79
F-150 STX Regular Cab 2WD$188$376$340$20$102$1,026$86
F-150 XL Super Cab 2WD$188$376$340$20$102$1,026$86
F-150 XLT Regular Cab 2WD$188$376$340$20$102$1,026$86
F-150 STX Super Cab 2WD$188$376$340$20$102$1,026$86
F-150 XL Crew Cab 2WD$216$376$340$20$102$1,054$88
F-150 XLT Super Cab 2WD$216$376$340$20$102$1,054$88
F-150 STX Regular Cab 4WD$216$376$340$20$102$1,054$88
F-150 XL Regular Cab 4WD$216$376$340$20$102$1,054$88
F-150 FX2 Super Cab 2WD$216$376$340$20$102$1,054$88
F-150 XLT Crew Cab 2WD$216$376$340$20$102$1,054$88
F-150 XL Super Cab 4WD$216$376$340$20$102$1,054$88
F-150 XLT Regular Cab 4WD$216$376$340$20$102$1,054$88
F-150 XL Crew Cab 4WD$244$376$340$20$102$1,082$90
F-150 STX Super Cab 4WD$244$376$340$20$102$1,082$90
F-150 XLT Super Cab 4WD$244$376$340$20$102$1,082$90
F-150 FX2 2WD$244$458$340$20$102$1,164$97
F-150 Lariat Super Cab 2WD$244$458$340$20$102$1,164$97
F-150 Lariat Crew Cab 2WD$244$458$340$20$102$1,164$97
F-150 FX4 Super Cab 4WD$244$458$340$20$102$1,164$97
F-150 XLT Crew Cab 4WD$244$458$340$20$102$1,164$97
F-150 FX4 4WD$244$458$340$20$102$1,164$97
F-150 Lariat Crew Cab 4WD$244$458$340$20$102$1,164$97
F-150 SVT Raptor Super Cab 4WD$244$458$340$20$102$1,164$97
F-150 Lariat Super Cab 4WD$244$458$340$20$102$1,164$97
F-150 Lariat Crew Cab Platinum 2WD$244$540$340$20$102$1,246$104
F-150 Lariat Crew Cab Harley 2WD$244$540$340$20$102$1,246$104
F-150 Lariat King Ranch 2WD$244$540$340$20$102$1,246$104
F-150 Lariat King Ranch 4WD$272$540$340$20$102$1,274$106
F-150 Lariat Crew Cab Harley 4WD$272$540$340$20$102$1,274$106
F-150 Lariat Crew Cab Platinum 4WD$272$540$340$20$102$1,274$106
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in specific location information which can lower or raise price quotes considerably.

Insuring your vehicle with the highest-rated auto insurance company is hard considering how many companies sell insurance in Illinois. The ranking information in the lists below could help you pick which insurers to look at when comparing auto insurance rates for a Ford F-150. These ratings are only made up of the companies with a significant amount of written premium nationwide, so companies that may only write in Illinois are not included in the list.

Top 10 Major Auto Insurers Overall in Illinois

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top Companies for Ford F-150 Insurance in Illinois

Impact of speeding/accidents on car insurance rates

The common sense way to score low car insurance rates for a F-150 pickup is to be a good driver and avoid traffic citations and accidents. The information below shows how traffic citations and at-fault fender-benders increase premium costs for each age group. The costs are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

In the chart above, the average cost of an auto insurance policy in Illinois per year with no accidents or violations is $1,413. Receive two speeding tickets and the average cost jumps to $1,861, an increase of $449 each year. Now add one accident along with the two speeding tickets and the annual cost of car insurance for a Ford F-150 increases to an average of $2,315. That’s an increase of $902, or $75 per month, just for being a less-than-perfect driver!

Can you find cheaper F-150 insurance?

Illinois car insurance rates are impacted by many things that can increase the price you have to pay. Simply having another birthday, buying another vehicle, or getting a reckless driving citation can cause premium changes that can make some companies cheaper than before.

In addition to those changes, insurers file new Illinois auto insurance rates every year to adjust for unexpected claims or profits. Heavy losses may result in a rate increase, while a lower level of claims may produce lower-cost F-150 insurance rates.

The chart below shows a variety of companies that have the cheapest car insurance in Illinois for a 35-year-old male driver with no accidents, a clean driving record, and a high credit rating. When comparing rates based on his current rating profile, The Hartford might offer the cheapest car insurance rates in Illinois at $776 annually. This is $573 less than the average rate paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also included in the top five cheapest Illinois auto insurance companies.

Let’s now give the driver in the first example an at-fault accident, a little lower credit rating, and a few blemishes on his driving record. Because each company has their own guidelines to set their prices, comparing prices could result in a substantially altered list of affordable companies as shown below.

USAA now has the cheapest rate in Illinois with Travelers, SECURA, State Farm, and Auto-Owners now rounding out the top five. This demonstrates why consumers need to take the time to compare as many rates as possible when trying to get the most economical auto insurance rates for a Ford F-150. Auto insurance prices can be determined by many risk factors and change substantially, so the cheapest rate two years ago may now be quite expensive.

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