The odds of finding cheaper coverage for a Ford F-150 in West Virginia depends on many rating factors such as how old the vehicle is, if you have a coverage lapse, and deductibles for comprehensive and collision coverage. Drivers will pay around $1,270 every 12 months to insure a Ford F-150, but that amount is based upon a 40-year-old married male driver who needs full comprehensive and collision coverage and $100 policy deductibles.
Odds are that you are not a 40-year-old male, maybe you are single instead of married, or maybe your F-150 is old enough that it doesn’t require full coverage. Using even a minor difference in input factors can make a large difference in the cost of insurance for a Ford F-150.
This demonstrates why the way we recommend to find the cheapest rates for your Ford is to take your time and compare rates from as many companies as possible.
View Ford F-150 Insurance Rates
Vehicle trim level will influence price, so the price to insure a F-150 XL Regular Cab 2WD trim level will be $392 less than the insurance cost for the fancier F-150 Lariat Crew Cab Platinum 4WD trim level, as shown below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
F-150 XL Regular Cab 2WD | $250 | $338 | $378 | $22 | $114 | $1,102 | $92 |
F-150 STX Regular Cab 2WD | $250 | $432 | $378 | $22 | $114 | $1,196 | $100 |
F-150 XL Super Cab 2WD | $250 | $432 | $378 | $22 | $114 | $1,196 | $100 |
F-150 XLT Regular Cab 2WD | $250 | $432 | $378 | $22 | $114 | $1,196 | $100 |
F-150 STX Super Cab 2WD | $250 | $432 | $378 | $22 | $114 | $1,196 | $100 |
F-150 XL Crew Cab 2WD | $288 | $432 | $378 | $22 | $114 | $1,234 | $103 |
F-150 XLT Super Cab 2WD | $288 | $432 | $378 | $22 | $114 | $1,234 | $103 |
F-150 STX Regular Cab 4WD | $288 | $432 | $378 | $22 | $114 | $1,234 | $103 |
F-150 XL Regular Cab 4WD | $288 | $432 | $378 | $22 | $114 | $1,234 | $103 |
F-150 FX2 Super Cab 2WD | $288 | $432 | $378 | $22 | $114 | $1,234 | $103 |
F-150 XLT Crew Cab 2WD | $288 | $432 | $378 | $22 | $114 | $1,234 | $103 |
F-150 XL Super Cab 4WD | $288 | $432 | $378 | $22 | $114 | $1,234 | $103 |
F-150 XLT Regular Cab 4WD | $288 | $432 | $378 | $22 | $114 | $1,234 | $103 |
F-150 XL Crew Cab 4WD | $324 | $432 | $378 | $22 | $114 | $1,270 | $106 |
F-150 STX Super Cab 4WD | $324 | $432 | $378 | $22 | $114 | $1,270 | $106 |
F-150 XLT Super Cab 4WD | $324 | $432 | $378 | $22 | $114 | $1,270 | $106 |
F-150 FX2 2WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 Lariat Super Cab 2WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 Lariat Crew Cab 2WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 FX4 Super Cab 4WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 XLT Crew Cab 4WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 FX4 4WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 Lariat Crew Cab 4WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 SVT Raptor Super Cab 4WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 Lariat Super Cab 4WD | $324 | $526 | $378 | $22 | $114 | $1,364 | $114 |
F-150 Lariat Crew Cab Platinum 2WD | $324 | $618 | $378 | $22 | $114 | $1,456 | $121 |
F-150 Lariat Crew Cab Harley 2WD | $324 | $618 | $378 | $22 | $114 | $1,456 | $121 |
F-150 Lariat King Ranch 2WD | $324 | $618 | $378 | $22 | $114 | $1,456 | $121 |
F-150 Lariat King Ranch 4WD | $362 | $618 | $378 | $22 | $114 | $1,494 | $125 |
F-150 Lariat Crew Cab Harley 4WD | $362 | $618 | $378 | $22 | $114 | $1,494 | $125 |
F-150 Lariat Crew Cab Platinum 4WD | $362 | $618 | $378 | $22 | $114 | $1,494 | $125 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can impact price quotes noticeably.
Insuring your vehicle with a high-quality insurance provider can be difficult considering how many choices there are in West Virginia. The company rank data in the next section may help you choose which auto insurers to look at comparing rate quotes with. These rankings include companies that insure vehicles nationwide, so companies that focus mainly on West Virginia business are not included in the list.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Finding the cheapest insurance for a Ford F-150 in West Virginia is probably important to the majority of vehicle owners, and a great way to find cheap insurance is to buy only liability coverage. The example below compares annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims, a clean driving record, $500 deductibles, drivers are not married, and no policy discounts are applied.
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As an overall average, physical damage coverage costs an extra $2,212 per year over having just liability coverage. That is a significant amount which raises the question if you should buy full coverage at all. There is no specific rule to stop buying physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
There are some circumstances where removing full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
When shopping around for car insurance, some of the largest companies to start with are Geico, State Farm, Progressive, and Allstate. Between them, they make up nearly half of all auto insurance policies in force. All of them offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that drivers can select from. The table below shows ratings and policy coverage options that policyholders can buy.
Geico | State Farm | Progressive | Allstate | |
---|---|---|---|---|
Price Overall | 1st | 2nd | 3rd | 4th |
Client Satisfaction | 1st | 4th | 3rd | 2nd |
Claims Handling | 3rd | 2nd | 4th | 1st |
Discounts Offered | 2nd | 3rd | 4th | 1st |
Customers who recommend | 87% | 88% | 88% | 86% |
Rating from A.M. Best | A++ | A++ | A+ | A+ |
Mechnical breakdown | Yes | No | Yes | No |
Rating based on usage | No | Yes | Yes | Yes |
New car replacement insurance | No | No | No | Yes |
Accident forgiveness coverage | Yes | No | Yes | Yes |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Roadside assistance | Yes | Yes | Yes | Yes |
Coverage in West Virginia | Yes | Yes | Yes | Yes |
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Here are some of the better penny-pinching suggestions that can help drivers buy more affordable auto insurance.
That last idea is extremely critical, as was emphasized in this write-up. Prices change constantly, so drivers shouldn’t be resistant to switch carriers if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that dedication is costing several hundred dollars every year. In just a couple of minutes you could shop around and find cheaper insurance for a Ford F-150.
Due to technology, there are many ways to quote cheap car insurance rates in West Virginia, but the most preferred are from an independent or non-exclusive agent, an exlusive agent like Auto-Owners or State Farm, or buying direct from a company like Progressive or Geico.
All three ways can provide car insurance quotes, but they differ slightly in how they provide price quotes.
Independent agents can place your business with multiple companies and can compare rates with each one. These agents are not employed by one specific company and can give you a larger rate selection, which may provide you with the best chance of finding a lower price. If your agent finds a cheaper company, your policy can be easily switched to a new company which prevents you from having to switch agents.
An agent who is captive is limited to a single company, examples being a Liberty Mutual or State Farm agent. They are unable to shop your coverage around, so it’s a good idea to get additional quotes.
When you buy car insurance direct, you bypass the middleman (the agent) and instead buy from a direct company like Esurance. This car insurance option may be a decent choice drivers who do not need advice for risk management and have a decent understanding of what is covered and what is not.
Which way is best to buy the cheapest insurance for a Ford F-150 in West Virginia? Most people would assume that buying from a direct car insurance company saves money since there isn’t an agent involved, but that does not always hold true. An argument could also be made that an independent agent is the best way due to increased selection, but that idea is not necessarily true either. For some people, the exclusive agents have really good rates that are well below what direct and independents offer.
Since car insurance rates vary so much, the only real way to ensure you are not overpaying for car insurance is to get rate quotes and compare. Make the effort to get prices from all three types in order to find the best price. For a list of companies with cheap rates in West Virginia, click here to view.