Buying cheap coverage for a Ford F-150 is dependent upon lots of different factors such as how old the vehicle is, what you do for a living, and the level of deductible you choose. Drivers pay approximately $1,095 each year for F-150 insurance, but that price is calculated based on a 40-year-old married female driver with full physical damage coverage and $500 deductibles.
But there is a high likelihood that you are not 40 and maybe not even a female, single instead of married, or maybe you want more liability coverage than is required by law in Texas. There is no one cookie-cutter policy that works for everyone, so the way we recommend to find the cheapest insurance price for your Ford is to do a thorough rate comparison.
Your vehicle’s trim level can impact the annual cost of coverage, so the price you will pay to insure a F-150 XL Regular Cab 2WD model will be $288 lower than the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $180 | $252 | $400 | $24 | $120 | $976 | $81 |
| F-150 STX Regular Cab 2WD | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| F-150 XL Super Cab 2WD | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| F-150 XLT Regular Cab 2WD | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| F-150 STX Super Cab 2WD | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| F-150 XL Crew Cab 2WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XLT Super Cab 2WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 STX Regular Cab 4WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XL Regular Cab 4WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 FX2 Super Cab 2WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XLT Crew Cab 2WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XL Super Cab 4WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XLT Regular Cab 4WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XL Crew Cab 4WD | $232 | $322 | $400 | $24 | $120 | $1,098 | $92 |
| F-150 STX Super Cab 4WD | $232 | $322 | $400 | $24 | $120 | $1,098 | $92 |
| F-150 XLT Super Cab 4WD | $232 | $322 | $400 | $24 | $120 | $1,098 | $92 |
| F-150 FX2 2WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Super Cab 2WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Crew Cab 2WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 FX4 Super Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 XLT Crew Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 FX4 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Crew Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 SVT Raptor Super Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Super Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Crew Cab Platinum 2WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| F-150 Lariat Crew Cab Harley 2WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| F-150 Lariat King Ranch 2WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| F-150 Lariat King Ranch 4WD | $258 | $462 | $400 | $24 | $120 | $1,264 | $105 |
| F-150 Lariat Crew Cab Harley 4WD | $258 | $462 | $400 | $24 | $120 | $1,264 | $105 |
| F-150 Lariat Crew Cab Platinum 4WD | $258 | $462 | $400 | $24 | $120 | $1,264 | $105 |
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific location information which can affect auto insurance rates considerably.
Figuring out which company has the most affordable car insurance rates for a Ford F-150 may require a little more effort than just quoting one company’s rates. Each insurer uses a little different formula for determining prices, so we need to take a look at the overall cheapest car insurance companies in Texas.
It’s important that readers know that Lubbock, TX car insurance rates are impacted by many factors that may substantially change the price of coverage. Simply improving your credit, buying another vehicle, or having a fender bender may generate price changes that can now make some companies cheaper in comparison to the competition.
Find the Cheapest Car Insurance for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,701 |
| 12 | Amica | $1,705 |
| 13 | Progressive | $1,715 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,183 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,646 |
| Find Cheaper Rates Go | ||
Travelers may offer some of the lowest car insurance rates in Lubbock at around $1,010 per year. This is $894 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheaper Lubbock, TX car insurance companies.
In the rate table above, if you are a customer of Germania Mutual and switched to Travelers, you may realize a yearly savings of in the vicinity of $284. Texas drivers with Esurance could save as much as $355 a year, and California Casualty policyholders might cut rates by $386 a year.
To see if you’re overpaying, click here to start a quote or feel free to get quotes from the companies below.
It’s important to note that these policy rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration an exact location for a Ford F-150. So the auto insurance company that has the cheapest price for you may not even be in the list above. That’s why you need to get quotes using your own specific driver information and vehicle.
Get discount Lubbock car insurance rates
Auto insurance companies that sell policies for a Ford F-150 may provide special discounts that could potentially reduce rates by as much as 35% or more if you qualify. Larger car insurance companies and a selection of discounts are detailed below.
- 21st Century has discounts for theft prevention, air bags, homeowners, student driver, early bird, and automatic seat belts.
- Progressive offers discounts including multi-vehicle, online signing, homeowner, continuous coverage, good student, and online quote discount.
- State Farm offers premium reductions for driver’s education, good driver, accident-free, Drive Safe & Save, multiple autos, defensive driving training, and student away at school.
- Nationwide policyholders can earn discounts including family plan, easy pay, defensive driving, multi-policy, and business or organization.
- Esurance has savings for DriveSense, Switch & Save, Pac-12 alumni, defensive driver, and paid-in-full.
- The Hartford offers discounts for good student, air bag, bundle, anti-theft, defensive driver, and driver training.
The diagram below visualizes the comparison of yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multiple policy, defensive driving course, safe-driver, passive restraint, and homeowner discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for a Ford F-150 is 28% or $570.
The chart below highlights how deductible choice can raise or lower insurance rates when researching cheap insurance for a Ford F-150. The premium estimates are based on a married female driver, full coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower their car insurance rates by $376 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $568 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, have the ability to save up to $802 each year by choosing a higher deductible.
When choosing a higher deductible, it will now be necessary to have enough in a savings account to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Why are you paying too much to insure your F-150?
Texas car insurance rates are influenced by many factors which can substantially decrease or increase your annual premium. Simply improving your credit, increasing deductibles, or having an at-fault accident may generate price changes that can make some companies affordable when they were higher priced. And not only may your rating factors change, but auto insurance companies file new Texas car insurance rates every year or even multiple times each year as an adjustment for underwriting gains or losses. Unexpectedly high claims may result in high rates, while a better loss history may produce cheaper F-150 insurance rates.
As an example, the bar chart below shows which companies have the cheapest car insurance in Lubbock, TX for a 45-year-old male driver with no accidents or violations, and good financial standing. If we look at prices based on his current risk profile, Travelers may offer the best car insurance rates in Lubbock at $1,180 a year. This is $724 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty round out the rest of the most affordable Lubbock, TX auto insurance companies.
Now we will pretend the driver from the above example an at-fault accident, slightly worse credit, and a speeding ticket. Because each insurer uses their own calculation for determining rates, comparing insurance quotes most likely will result in a different ranking of companies as shown below.
State Farm now has the cheapest car insurance in Lubbock, TX with Mercury, Nationwide, USAA, and Safe Auto also being competitive. This example proves why it is critical to compare as many rates as possible when trying to find the most affordable car insurance rates for a Ford F-150.
Prices are influenced by many different factors and change substantially, so the lowest-price company when you last compared rates may now be quite expensive.
How to find budget-friendly car insurance for a Ford F-150
The list below summarizes some of the recommended thrifty ideas that can help you locate cheaper coverage.
- Higher deductibles save money
- Avoid preventable accidents
- Violations and traffic tickets increase rates
- Good credit scores may make rates cheaper
- Buy safe vehicles
- Compare price quotes at least once a year
That last piece of advice is especially crucial, as we pointed out in the prior information. Auto insurance prices in Lubbock can change considerably in a year, so don’t hesitate to buy from a new company if a cheaper rate is available. Having brand loyalty is commendable, but it’s not recommended if that dedication is costing potentially thousands of dollars a year. It only take a few minutes to compare rates to find cheaper auto insurance for a Ford F-150.