Buying cheaper car insurance for a Ford F-150 in Florida doesn’t take a lot of effort, but it is dependent upon a fairly complex equation with a lot of factors such as how far you commute, your occupation, and driving violations and tickets. Drivers in Florida will pay on average $1,214 each year for F-150 insurance, but that price is an approximation using a 30-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
But there is a high probability that you are not 30 and maybe not even a female, single instead of married, or maybe you prefer liability limits higher than required by Florida state law. Even a slight difference in the criteria used to calculate rates could result in a significant change in the price of a policy.
Having different needs demonstrates why the way we recommend to find cheap auto insurance rates for your Ford is to compare as many rates as possible. Get a free quote now and you will get price quotes from top-rated companies available.
Your vehicle’s trim level will influence the yearly cost, so the price to insure a F-150 XL Regular Cab 2WD model will be $328 cheaper than the price to insure the fancier F-150 Lariat Crew Cab Platinum 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$222||$276||$426||$26||$128||$1,078||$90|
|F-150 STX Regular Cab 2WD||$222||$352||$426||$26||$128||$1,154||$96|
|F-150 XL Super Cab 2WD||$222||$352||$426||$26||$128||$1,154||$96|
|F-150 XLT Regular Cab 2WD||$222||$352||$426||$26||$128||$1,154||$96|
|F-150 STX Super Cab 2WD||$222||$352||$426||$26||$128||$1,154||$96|
|F-150 XL Crew Cab 2WD||$254||$352||$426||$26||$128||$1,186||$99|
|F-150 XLT Super Cab 2WD||$254||$352||$426||$26||$128||$1,186||$99|
|F-150 STX Regular Cab 4WD||$254||$352||$426||$26||$128||$1,186||$99|
|F-150 XL Regular Cab 4WD||$254||$352||$426||$26||$128||$1,186||$99|
|F-150 FX2 Super Cab 2WD||$254||$352||$426||$26||$128||$1,186||$99|
|F-150 XLT Crew Cab 2WD||$254||$352||$426||$26||$128||$1,186||$99|
|F-150 XL Super Cab 4WD||$254||$352||$426||$26||$128||$1,186||$99|
|F-150 XLT Regular Cab 4WD||$254||$352||$426||$26||$128||$1,186||$99|
|F-150 XL Crew Cab 4WD||$286||$352||$426||$26||$128||$1,218||$102|
|F-150 STX Super Cab 4WD||$286||$352||$426||$26||$128||$1,218||$102|
|F-150 XLT Super Cab 4WD||$286||$352||$426||$26||$128||$1,218||$102|
|F-150 FX2 2WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 Lariat Super Cab 2WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 Lariat Crew Cab 2WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 FX4 Super Cab 4WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 XLT Crew Cab 4WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 FX4 4WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 Lariat Crew Cab 4WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 SVT Raptor Super Cab 4WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 Lariat Super Cab 4WD||$286||$430||$426||$26||$128||$1,296||$108|
|F-150 Lariat Crew Cab Platinum 2WD||$286||$506||$426||$26||$128||$1,372||$114|
|F-150 Lariat Crew Cab Harley 2WD||$286||$506||$426||$26||$128||$1,372||$114|
|F-150 Lariat King Ranch 2WD||$286||$506||$426||$26||$128||$1,372||$114|
|F-150 Lariat King Ranch 4WD||$320||$506||$426||$26||$128||$1,406||$117|
|F-150 Lariat Crew Cab Harley 4WD||$320||$506||$426||$26||$128||$1,406||$117|
|F-150 Lariat Crew Cab Platinum 4WD||$320||$506||$426||$26||$128||$1,406||$117|
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific Orlando garaging location which can impact coverage rates noticeably.
Finding good, low-cost auto insurance is not the easiest thing to do, and figuring out which companies quote the best insurance rates for a Ford F-150 will take a little more work.
Every insurance company has a proprietary formula for determining rates, so let’s rank the lowest cost insurance companies in Orlando.
Find the Best Cheap Insurance for your F-150
|Rank||Company||Cost Per Year|
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USAA may offer some of the best car insurance rates in Orlando at around $948 per year. This is $1,500 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Allied also rank well as some of the best Orlando, FL car insurance companies.
As depicted above, if you are currently insured with Allied and switched to Electric, you may see savings of roughly $214. Drivers with Travelers may save as much as $233 a year, and Mercury insureds might lower prices by up to $280 a year.
Remember that these prices are averages for all drivers and vehicles in Florida and do not take into consideration a vehicle location for a Ford F-150. So the auto insurance company that has the cheapest rates for you may not even be in the top 21 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
How violations and accidents impact rates
The easiest way to get affordable insurance rates in Orlando for a F-150 pickup is to drive attentively and avoid getting tickets or having accidents. The example below illustrates how violations and accidents drive up insurance costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of car insurance per year with no accidents or violations is $2,016. Add in two speeding tickets and the average cost swells to $2,779, an increase of $763 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for a Ford F-150 goes up to an average of $3,538. That’s an increase of $1,522, or $127 per month, just for not being more responsible behind the wheel!
Get discounts on Orlando car insurance
Insurers that offer coverage for a Ford F-150 may also give you rate discounts that could potentially reduce rates by 30% or more if you meet the requirements. Larger insurance companies and some of their more popular discounts include:
- Progressive has savings for multi-policy, good student, homeowner, multi-vehicle, and online quote discount.
- Farmers Insurance has discounts for electronic funds transfer, teen driver, alternative fuel, switch companies, homeowner, distant student, and multi-car.
- Farm Bureau policyholders can earn discounts including renewal discount, 55 and retired, safe driver, good student, multi-vehicle, and driver training.
- State Farm may include discounts for accident-free, Steer Clear safe driver discount, multiple policy, passive restraint, multiple autos, and Drive Safe & Save.
- GEICO offers premium reductions for good student, federal employee, driver training, emergency military deployment, membership and employees, and anti-theft.
- SAFECO may have discounts that include anti-lock brakes, bundle discounts, anti-theft, accident prevention training, and homeowner.
- Liberty Mutual may offer discounts for newly married, new graduate, good student, new move discount, and teen driver discount.
The information below illustrates the difference between yearly insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, anti-theft, claim-free, multiple vehicle, passive restraint, and defensive driving course discounts applied. When discounts are factored in, the average amount saved each year on insurance for a Ford F-150 is 28% or $605.
The auto insurance agents in Orlando shown below can most likely help you decide which car insurance policy is best, since some people prefer to have a consultation when shopping for the best coverage for a F-150 pickup. It can be time-consuming to find the cheapest rate yourself, so insurance agents can give you satisfaction knowing your policy gives you suitable coverage if you have an accident. To locate an Orlando car insurance agency nearest to you, click the button below the list.
Lorenzo Hayward – State Farm Insurance Agent
5218 W Colonial Dr – Orlando, FL 32808 – (407) 299-4642
Talmadge Commercial Insurance Agency
111 W Jefferson St – Orlando, FL 32801 – (407) 701-6321
Justin Bauknight – State Farm Insurance Agent
2507 Curry Ford Rd – Orlando, FL 32806 – (407) 898-2041
How to find economical auto insurance for a Ford F-150
The list below details some of the recommended money-saving ideas that can help drivers quote lower-cost auto insurance.
- Increase your policy deductibles
- Having too many claims will increase rates substantially
- Ensure your driving record is clean
- Do not get into accidents that are your fault
- Do not insure for full coverage
- Look for cheaper rates once a year by shopping around
The last item on the list is very vital, as we discussed in this piece. Coverage prices in Orlando fluctuate considerably, so you should be ready to change to a new company if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that dedication is costing a small fortune. Spend a few minutes and compare rates and find cheaper auto insurance for a Ford F-150.