Finding economical auto insurance for a Ford F-150 relies on many different factors such as your birth date, what you do for a living, and whether or not you are a good driver. Texas drivers pay around $1,256 per year for F-150 insurance, but that amount is an estimation based upon a 30-year-old married male driver with full physical damage coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 30 and maybe not even a male, possibly single instead of married, or maybe your F-150 doesn’t need full coverage. Even a slight change in rating factors or requested coverage amount could end up in a significant change in the cost of insuring your F-150.
Car insurance coverage is unique to each driver, so this is why the best way to find the cheapest insurance price for your Ford is to do the rate comparisons yourself. Get your free quotes now and you can get rates from some of the cheapest companies in Texas.
View Ford F-150 Insurance Rates
The specific model of F-150 can impact price, so the rate you pay to insure a F-150 XL Regular Cab 2WD will be $378 lower than the insurance cost for the higher-priced F-150 Lariat Crew Cab Platinum 4WD model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $256 | $320 | $382 | $22 | $114 | $1,094 | $91 |
| F-150 STX Regular Cab 2WD | $256 | $408 | $382 | $22 | $114 | $1,182 | $99 |
| F-150 XL Super Cab 2WD | $256 | $408 | $382 | $22 | $114 | $1,182 | $99 |
| F-150 XLT Regular Cab 2WD | $256 | $408 | $382 | $22 | $114 | $1,182 | $99 |
| F-150 STX Super Cab 2WD | $256 | $408 | $382 | $22 | $114 | $1,182 | $99 |
| F-150 XL Crew Cab 2WD | $294 | $408 | $382 | $22 | $114 | $1,220 | $102 |
| F-150 XLT Super Cab 2WD | $294 | $408 | $382 | $22 | $114 | $1,220 | $102 |
| F-150 STX Regular Cab 4WD | $294 | $408 | $382 | $22 | $114 | $1,220 | $102 |
| F-150 XL Regular Cab 4WD | $294 | $408 | $382 | $22 | $114 | $1,220 | $102 |
| F-150 FX2 Super Cab 2WD | $294 | $408 | $382 | $22 | $114 | $1,220 | $102 |
| F-150 XLT Crew Cab 2WD | $294 | $408 | $382 | $22 | $114 | $1,220 | $102 |
| F-150 XL Super Cab 4WD | $294 | $408 | $382 | $22 | $114 | $1,220 | $102 |
| F-150 XLT Regular Cab 4WD | $294 | $408 | $382 | $22 | $114 | $1,220 | $102 |
| F-150 XL Crew Cab 4WD | $332 | $408 | $382 | $22 | $114 | $1,258 | $105 |
| F-150 STX Super Cab 4WD | $332 | $408 | $382 | $22 | $114 | $1,258 | $105 |
| F-150 XLT Super Cab 4WD | $332 | $408 | $382 | $22 | $114 | $1,258 | $105 |
| F-150 FX2 2WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 Lariat Super Cab 2WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 Lariat Crew Cab 2WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 FX4 Super Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 XLT Crew Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 FX4 4WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 Lariat Crew Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 SVT Raptor Super Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 Lariat Super Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,346 | $112 |
| F-150 Lariat Crew Cab Platinum 2WD | $332 | $584 | $382 | $22 | $114 | $1,434 | $120 |
| F-150 Lariat Crew Cab Harley 2WD | $332 | $584 | $382 | $22 | $114 | $1,434 | $120 |
| F-150 Lariat King Ranch 2WD | $332 | $584 | $382 | $22 | $114 | $1,434 | $120 |
| F-150 Lariat King Ranch 4WD | $370 | $584 | $382 | $22 | $114 | $1,472 | $123 |
| F-150 Lariat Crew Cab Harley 4WD | $370 | $584 | $382 | $22 | $114 | $1,472 | $123 |
| F-150 Lariat Crew Cab Platinum 4WD | $370 | $584 | $382 | $22 | $114 | $1,472 | $123 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in vehicle location which can affect coverage rates noticeably.
Comparing quotes for cheap insurance is tough enough, and figuring out which insurers offer the most affordable car insurance rates for a Ford F-150 may require additional perseverance.
Each insurer uses a slightly different approach for filing rates in each state, so let’s begin by taking a look at the overall cheapest car insurance companies in Houston. It’s a good idea to know that Houston, TX car insurance rates are based on many factors that may substantially change the cost of your policy. That is why it is crucial to compare as many rates as possible when trying to find the most economical car insurance rates for a Ford F-150. Insurance rates can be altered by many factors and change substantially, so the most affordable company the last time you compared rates may now be costing you a lot of money.
Cheap Insurance Rates for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,465 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,715 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,324 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
| Find Cheaper Rates Go | ||
Travelers may offer some of the cheapest car insurance rates in Houston at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper Houston, TX insurance companies.
As shown above, if you are a customer of USAA and switched to Travelers, you may realize a yearly price reduction of upwards of $74. Drivers with Texas Farm Bureau might save as much as $190 a year, and Germania Mutual insureds might lower prices by up to $235 a year.
To compare your rates to other Texas insurance companies, click here to get a free quote or click through to the companies below.
Remember that these premium estimates are averages across all ages of drivers and types of vehicles and and are not calculated with an exact zip code location for a Ford F-150. So the company that fits your situation best may not even be in the top 23 companies shown above. That underscores the importance of why you need to get quotes using your own personal information and vehicle type.
Comparison of full coverage and liability-only policies
Reducing the cost of car insurance is the goal of the majority of vehicle owners, and one easy way to lower the cost of insurance for a Ford F-150 is to buy only liability coverage. The chart below compares car insurance costs with liability coverage only compared to full coverage. The premiums are based on no violations or accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.
As an overall average, physical damage insurance costs an extra $2,393 per year more than just insuring for liability. At some point, almost every driver questions if full coverage is worth the money. There is no specific rule to delete full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s say your vehicle’s book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 annually for full coverage, then it might be time to consider dropping full coverage.
Why you should compare rates
Texas car insurance rates are based on many factors that can increase the price you have to pay for coverage. Simply having a birthday, adding a teenager to your policy, or getting a DUI can trigger price changes that can make some companies cheaper in comparison to the competition.
Not only that, but companies amend premium rates every year to adjust for heavy claims or excess profits. Significantly higher claims can result in more expensive premiums, while profitable underwriting can result in lower-cost F-150 insurance rates.
For instance, the chart below shows the company with the cheapest car insurance in Houston, TX for a 35-year-old female driver with a clear driving record, no claims, and solid credit. If we estimate rates based on her current rating profile, Travelers might offer the lowest car insurance rates in Houston at $1,323 annually. This is $581 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the top five cheapest Houston, TX auto insurance companies.
Let’s now give the driver in the first chart a claim, bad credit, and an imperfect driving record. Because each company uses their own calculation to set their prices, analyzing rate quotes may now result in a different ranking of the cheapest car insurance companies in Houston as shown below.
State Farm now has the cheapest car insurance in Houston, TX with Mercury, USAA, Nationwide, and Safe Auto also being competitive. This shows why it is important to shop around when trying to find the best auto insurance rates for a Ford F-150.
Insurance rates are influenced by many different factors and can decrease or increase without notice, so the lowest-price company when you bought your policy may now be one of the more expensive options.