Buying cheap auto insurance for a Ford F-150 is normally pretty easy, but it hinges on a complicated formula that considers factors such as the safety rating for your F-150, your credit history, and any driving offenses on your record. Drivers will pay around $820 annually to insure their F-150, but that cost is calculated using a 30-year-old married male driver with full coverage and $100 deductibles.
There’s a high likelihood you may not be 30 years old (or even male), you might be single instead of married, or maybe your F-150 doesn’t need full coverage. Auto insurance is not the same for everyone, so the only real way to find cheap insurance rates for your Ford is to just take the time to compare rates yourself.
Your Ford’s trim level will influence the coverage cost, so the price you pay to insure a F-150 XL Regular Cab 2WD trim level will be $266 less than the cost to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$170||$226||$226||$14||$68||$704||$59|
|F-150 STX Regular Cab 2WD||$170||$290||$226||$14||$68||$768||$64|
|F-150 XL Super Cab 2WD||$170||$290||$226||$14||$68||$768||$64|
|F-150 XLT Regular Cab 2WD||$170||$290||$226||$14||$68||$768||$64|
|F-150 STX Super Cab 2WD||$170||$290||$226||$14||$68||$768||$64|
|F-150 XL Crew Cab 2WD||$196||$290||$226||$14||$68||$794||$66|
|F-150 XLT Super Cab 2WD||$196||$290||$226||$14||$68||$794||$66|
|F-150 STX Regular Cab 4WD||$196||$290||$226||$14||$68||$794||$66|
|F-150 XL Regular Cab 4WD||$196||$290||$226||$14||$68||$794||$66|
|F-150 FX2 Super Cab 2WD||$196||$290||$226||$14||$68||$794||$66|
|F-150 XLT Crew Cab 2WD||$196||$290||$226||$14||$68||$794||$66|
|F-150 XL Super Cab 4WD||$196||$290||$226||$14||$68||$794||$66|
|F-150 XLT Regular Cab 4WD||$196||$290||$226||$14||$68||$794||$66|
|F-150 XL Crew Cab 4WD||$220||$290||$226||$14||$68||$818||$68|
|F-150 STX Super Cab 4WD||$220||$290||$226||$14||$68||$818||$68|
|F-150 XLT Super Cab 4WD||$220||$290||$226||$14||$68||$818||$68|
|F-150 FX2 2WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 Lariat Super Cab 2WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 Lariat Crew Cab 2WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 FX4 Super Cab 4WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 XLT Crew Cab 4WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 FX4 4WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 Lariat Crew Cab 4WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 SVT Raptor Super Cab 4WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 Lariat Super Cab 4WD||$220||$352||$226||$14||$68||$880||$73|
|F-150 Lariat Crew Cab Platinum 2WD||$220||$416||$226||$14||$68||$944||$79|
|F-150 Lariat Crew Cab Harley 2WD||$220||$416||$226||$14||$68||$944||$79|
|F-150 Lariat King Ranch 2WD||$220||$416||$226||$14||$68||$944||$79|
|F-150 Lariat King Ranch 4WD||$246||$416||$226||$14||$68||$970||$81|
|F-150 Lariat Crew Cab Harley 4WD||$246||$416||$226||$14||$68||$970||$81|
|F-150 Lariat Crew Cab Platinum 4WD||$246||$416||$226||$14||$68||$970||$81|
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in Toledo location which can affect premiums noticeably.
Auto insurance company ratings
Choosing a high-quality car insurance company is hard considering how many choices drivers have in Ohio. The information in the next section may help you decide which coverage providers to look at when comparing rate quotes.
These ratings are only made up of companies with a nationwide focus, so smaller companies that only insure vehicles in Ohio are not factored into the list. If you wish to compare rates from these and other competitive companies, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Discount Toledo car insurance rates
Car insurance companies that offer coverage for a Ford F-150 may additionally offer discounts that could reduce prices by as much as 35% if you meet specific criteria. A few of the larger companies and a partial list of their discounts are outlined below.
- State Farm includes discounts for passive restraint, Drive Safe & Save, student away at school, safe vehicle, good driver, defensive driving training, and anti-theft.
- Farmers Insurance offers premium reductions for teen driver, pay in full, homeowner, business and professional, alternative fuel, youthful driver, and good student.
- Progressive discounts include continuous coverage, online signing, good student, multi-vehicle, multi-policy, homeowner, and online quote discount.
- GEICO may offer discounts for military active duty, driver training, seat belt use, daytime running lights, membership and employees, five-year accident-free, and emergency military deployment.
- Auto-Owners Insurance offers discounts for student away at school, safe driver, air bags, good student, paid in full, anti-lock brakes, and multi-policy.
- The Hartford has savings for vehicle fuel type, good student, defensive driver, anti-theft, air bag, bundle, and driver training.
- Farm Bureau has discounts for safe driver, youthful driver, multi-vehicle, renewal discount, driver training, and multi-policy.
- USAA may have discounts that include annual mileage, good student, safe driver, multi-policy, and military installation.
The diagram below shows the comparison of insurance costs with and without some available policy discounts. The information is based on a female driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, vehicle safety, defensive driving course, safe-driver, passive restraint, and marriage discounts applied. When discounts are applied, the average savings per year on auto insurance for a Ford F-150 is 28% or $285.
Last year’s bargain might be this year’s rip off
Ohio auto insurance rates are impacted by many things which can substantially decrease or increase the policy premium. Simply turning a year older, buying a home instead of renting, or having an accident can produce rate changes that may make certain companies cheaper than competitors.
And not only may your rating factors change, but insurance companies file new Ohio auto insurance rates every year or even multiple times each year in order to remain profitable. A period of increased losses can cause price increases, while lower claim levels may produce cheaper F-150 insurance rates.
The bar chart below shows rates for the cheapest car insurance in Toledo, OH for a 45-year-old female driver with no accidents or violations, and a high credit rating. If we estimate rates based on her current rating profile, Utica National might offer the lowest car insurance rates in Toledo at $814 each year. This is $226 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA round out the rest of the best Toledo, OH auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison a claim surcharge, a lower credit score, and a stop sign violation. Because each company has their own guidelines to establish rates, comparing prices may result in a different list of the cheapest Toledo car insurance companies as shown below.
Merchants Insurance Group now has the cheapest rate in Toledo with Cincinnati Insurance, Grange Mutual, Motorists Mutual, and General Casualty completing the list. This example illustrates why it is crucial to perform a complete rate comparison when trying to get cheap insurance quotes for a Ford F-150.
Prices can be determined by many things and change dramatically, so the cheapest option when you last compared rates may now not even be in the top five.
The professional agents shown below can probably help you make a decision which auto insurance policy fits you best, as some drivers aren’t sure which coverage they need and prefer to get some professional input when shopping for cheaper insurance for a F-150 pickup. It can be complicated to find the cheapest auto insurance company, and a professional agent can provide you comfort knowing your coverage gives you adequate protection.
To find an auto insurance agency using an interactive map, click the button at the bottom of the list.
- Fox Insurance
4560 Heatherdowns Blvd # 103 – Toledo, OH 43614 – (419) 385-2797
- Farmers Insurance – Patrick Hogan
3700 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 517-5579
- Great Lakes Insurance Partners
5215 Monroe St # 2 – Toledo, OH 43623 – (419) 841-2000
- Bob Burns Insurance and Financial
2229 W Laskey Rd – Toledo, OH 43613 – (419) 471-1950