Finding economical coverage for a Ford F-150 depends on a lot of factors such as whether you are a homeower, whether or not you have filed claims in the past, and the level of deductible you choose. Drivers pay approximately $744 each year to insure their F-150, but that is an approximation calculated using a 50-year-old married female driver with full coverage and $500 deductibles.
When projecting a rate like this, the problem is that you’re not a 50-year-old female, maybe you are single instead of married, and maybe your F-150 is older and does not require full coverage. This example demonstrates why the only way to find cheap insurance prices for your Ford is to do the rate comparisons yourself. In just a few minutes you will be able to compare rates from the best auto insurance companies that offer coverage in Washington.
The trim level of your vehicle will be a contributing factor to the insurance rate, so the price you pay to insure a F-150 XL Regular Cab 2WD trim level will be $192 less than the price to insure the higher-end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $124 | $166 | $278 | $16 | $82 | $666 | $56 |
| F-150 STX Regular Cab 2WD | $124 | $212 | $278 | $16 | $82 | $712 | $59 |
| F-150 XL Super Cab 2WD | $124 | $212 | $278 | $16 | $82 | $712 | $59 |
| F-150 XLT Regular Cab 2WD | $124 | $212 | $278 | $16 | $82 | $712 | $59 |
| F-150 STX Super Cab 2WD | $124 | $212 | $278 | $16 | $82 | $712 | $59 |
| F-150 XL Crew Cab 2WD | $142 | $212 | $278 | $16 | $82 | $730 | $61 |
| F-150 XLT Super Cab 2WD | $142 | $212 | $278 | $16 | $82 | $730 | $61 |
| F-150 STX Regular Cab 4WD | $142 | $212 | $278 | $16 | $82 | $730 | $61 |
| F-150 XL Regular Cab 4WD | $142 | $212 | $278 | $16 | $82 | $730 | $61 |
| F-150 FX2 Super Cab 2WD | $142 | $212 | $278 | $16 | $82 | $730 | $61 |
| F-150 XLT Crew Cab 2WD | $142 | $212 | $278 | $16 | $82 | $730 | $61 |
| F-150 XL Super Cab 4WD | $142 | $212 | $278 | $16 | $82 | $730 | $61 |
| F-150 XLT Regular Cab 4WD | $142 | $212 | $278 | $16 | $82 | $730 | $61 |
| F-150 XL Crew Cab 4WD | $160 | $212 | $278 | $16 | $82 | $748 | $62 |
| F-150 STX Super Cab 4WD | $160 | $212 | $278 | $16 | $82 | $748 | $62 |
| F-150 XLT Super Cab 4WD | $160 | $212 | $278 | $16 | $82 | $748 | $62 |
| F-150 FX2 2WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 Lariat Super Cab 2WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 Lariat Crew Cab 2WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 FX4 Super Cab 4WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 XLT Crew Cab 4WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 FX4 4WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 Lariat Crew Cab 4WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 SVT Raptor Super Cab 4WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 Lariat Super Cab 4WD | $160 | $256 | $278 | $16 | $82 | $792 | $66 |
| F-150 Lariat Crew Cab Platinum 2WD | $160 | $302 | $278 | $16 | $82 | $838 | $70 |
| F-150 Lariat Crew Cab Harley 2WD | $160 | $302 | $278 | $16 | $82 | $838 | $70 |
| F-150 Lariat King Ranch 2WD | $160 | $302 | $278 | $16 | $82 | $838 | $70 |
| F-150 Lariat King Ranch 4WD | $180 | $302 | $278 | $16 | $82 | $858 | $72 |
| F-150 Lariat Crew Cab Harley 4WD | $180 | $302 | $278 | $16 | $82 | $858 | $72 |
| F-150 Lariat Crew Cab Platinum 4WD | $180 | $302 | $278 | $16 | $82 | $858 | $72 |
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in specific location which can influence rates substantially.
Insuring your vehicle with a good quality insurance provider can be a challenge considering how many companies sell coverage in Seattle. The company ratings below may help you pick which insurers you want to consider purchasing a policy from. These ratings include large nationwide companies, so companies that focus mainly on Washington business are not factored into this list.
Top 10 Large Auto Insurance Providers in Seattle Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- GEICO
- Liberty Mutual
- Allstate
- Titan Insurance
- The Hartford
- The General
Top 10 Large Auto Insurance Providers in Seattle Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
The information below highlights how deductible choice can impact insurance premiums when trying to find cheap insurance for a Ford F-150. The premiums are based on a single male driver, comp and collision included, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could save $242 a year by increasing from a $100 deductible up to a $500 deductible, or save $366 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 category, could possibly save up to $796 annually by using a higher deductible.
When increasing deductibles, it is necessary to have additional savings on hand to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Comparing rates on F-150 insurance can save you money
Washington auto insurance rates are impacted by many things that may substantially change the cost of your policy. Simply getting older, buying a different home, or getting a speeding ticket can cause premium changes that can now make some companies more affordable than others.
Not only may your situation change, but auto insurance companies amend pricing as often as every three months in order to maintain liquidity for claims. A period of higher than normal claims may cause high rates, while long-term profits may cause cheaper F-150 insurance rates.
For example, the chart below shows which company has the cheapest car insurance in Seattle, WA for a 35-year-old male driver with a good driving record, no prior claims, and a decent credit rating. If we compare prices based on his personal risk profile, Capital might quote the cheapest car insurance rates in Seattle at $1,083 each year. This is $329 less than the average rate paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers round out the rest of the best Seattle, WA auto insurance companies.
In this example, we will give the driver in the first example an accident claim, a lower credit score, and a blemish on his driving record. Because every insurance company uses their own method for setting rates, analyzing rate quotes may now show a different list of companies as shown below.
Mutual Enumclaw now has the lowest price in Seattle with California Casualty, The Hartford, Chubb, and Allied also having competitive pricing. This shows why it is crucial to take the time to shop around to get the cheapest auto insurance rates for a Ford F-150.
Prices are calculated by many risk factors and change substantially, so the lowest-price company two years ago may now be quite expensive.