Buying cheap auto insurance for a Ford F-150 depends on a lot of things such as the safety rating for your F-150, where you live, and your driving record. Drivers will pay around $1,530 per year to insure their F-150, but that price is calculated using a 40-year-old married male driver with full physical damage coverage and $100 deductibles.
Odds are that you aren’t exactly 40 years old or even a male, maybe you are single instead of married, and maybe your F-150 just needs liability-only coverage. Insurance is an individual thing, so the way we recommend to find cheap insurance rates for your Ford is to compare rates from as many companies as possible. Quotes only take a couple of minutes and you will be able to compare rates from top-rated companies that insure vehicles in California.
Vehicle trim level will be a contributing factor to the insurance rate, so the cost to insure a F-150 XL Regular Cab 2WD trim level will be $472 less expensive the cost to insure the higher-priced F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $302 | $406 | $456 | $26 | $136 | $1,326 | $111 |
| F-150 STX Regular Cab 2WD | $302 | $520 | $456 | $26 | $136 | $1,440 | $120 |
| F-150 XL Super Cab 2WD | $302 | $520 | $456 | $26 | $136 | $1,440 | $120 |
| F-150 XLT Regular Cab 2WD | $302 | $520 | $456 | $26 | $136 | $1,440 | $120 |
| F-150 STX Super Cab 2WD | $302 | $520 | $456 | $26 | $136 | $1,440 | $120 |
| F-150 XL Crew Cab 2WD | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| F-150 XLT Super Cab 2WD | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| F-150 STX Regular Cab 4WD | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| F-150 XL Regular Cab 4WD | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| F-150 FX2 Super Cab 2WD | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| F-150 XLT Crew Cab 2WD | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| F-150 XL Super Cab 4WD | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| F-150 XLT Regular Cab 4WD | $346 | $520 | $456 | $26 | $136 | $1,484 | $124 |
| F-150 XL Crew Cab 4WD | $390 | $520 | $456 | $26 | $136 | $1,528 | $127 |
| F-150 STX Super Cab 4WD | $390 | $520 | $456 | $26 | $136 | $1,528 | $127 |
| F-150 XLT Super Cab 4WD | $390 | $520 | $456 | $26 | $136 | $1,528 | $127 |
| F-150 FX2 2WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 Lariat Super Cab 2WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 Lariat Crew Cab 2WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 FX4 Super Cab 4WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 XLT Crew Cab 4WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 FX4 4WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 Lariat Crew Cab 4WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 SVT Raptor Super Cab 4WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 Lariat Super Cab 4WD | $390 | $632 | $456 | $26 | $136 | $1,640 | $137 |
| F-150 Lariat Crew Cab Platinum 2WD | $390 | $744 | $456 | $26 | $136 | $1,752 | $146 |
| F-150 Lariat Crew Cab Harley 2WD | $390 | $744 | $456 | $26 | $136 | $1,752 | $146 |
| F-150 Lariat King Ranch 2WD | $390 | $744 | $456 | $26 | $136 | $1,752 | $146 |
| F-150 Lariat King Ranch 4WD | $436 | $744 | $456 | $26 | $136 | $1,798 | $150 |
| F-150 Lariat Crew Cab Harley 4WD | $436 | $744 | $456 | $26 | $136 | $1,798 | $150 |
| F-150 Lariat Crew Cab Platinum 4WD | $436 | $744 | $456 | $26 | $136 | $1,798 | $150 |
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in vehicle location which can modify premium rates significantly.
Ending up with the highest-rated car insurance provider can be difficult considering how many different companies there are to choose from in Oakland. The company information shown below can help you analyze which providers to look at when buying insurance for a Ford F-150.
The ratings below are for major nationwide insurance companies, so smaller regional companies are not included in this list. If you’d like to compare prices from these top insurers and more, click here.
Top 10 Major Auto Insurers Overall in Oakland
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
The illustration below demonstrates how deductible levels can impact insurance costs when getting quotes for cheap insurance for a Ford F-150. The data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $308 a year by increasing from a $100 deductible to a $500 deductible, or save $466 by using a $1,000 deductible. Younger drivers, like the 20-year-old example, could possibly save as much as $1,026 each year just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Price comparison of only insuring for liability
Reducing premiums for insurance is the goal of the majority of people, and a great way to reduce the cost of insurance for a Ford F-150 is to not pay for full coverage. The information below illustrates the comparison of auto insurance costs with full physical damage coverage and with liability coverage only. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.
Averaged out for all age groups, full coverage costs an extra $2,102 per year more than just buying liability only. At some point, almost every driver questions if you should buy full coverage. There is no definitive guideline to eliminate physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your vehicle’s claim settlement value is $8,500 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $7,500 after the deductible is paid. If it’s costing you more than $750 annually to have full coverage, then you may want to consider only buying liability coverage.
How to find the cheapest auto insurance for a Ford F-150
The list below shows a few thrifty ideas that can help drivers get more affordable car insurance.
- Avoid accidents and claims
- You will pay more if you get tickets or have at-fault accidents
- Save money by only buying liability coverage for older vehicles
- Clean up your credit rating
- Increase the comprehensive and collision deductibles on your policy
- Safer vehicles cost less to insure
- Shop around for cheaper prices
That last idea is remarkably valuable, as we pointed out in this piece. Car insurance prices adjust often, so drivers shouldn’t be resistant to buy a policy from a new company if a better rate can be found.
Brand loyalty is great, but it’s not recommended if that dedication is costing a small fortune year after year. In just a few minutes you could compare prices and find cheaper insurance for a Ford F-150 in Oakland.