Best Cheap Insurance Quotes for a Ford F-150 in Ohio

Best Cheap Insurance Quotes for a Ford F-150 in Ohio

Your chances of buying cheap coverage for a Ford F-150 in Ohio relies on a lot of rating factors such as if you are married or single, whether or not you are currently insured, and any driving offenses on your record. Ohio drivers pay on average $780 a year to insure their F-150, but that rate is a projection using a 30-year-old single male driver who requires both comprehensive and collision coverage and $500 physical damage deductibles.

More than likely, you are not a 30-year-old male, you might be married instead of single, or maybe you live in a different area as the quoted rates. Every policy is rated specifically for the driver, so your best shot at finding cheap auto insurance rates for your Ford is to compare rates from as many companies as possible. It only takes a few minutes and you can get rates from top-rated companies that offer coverage in Ohio.

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The trim level of your F-150 can impact the cost of insurance, so the price you pay to insure a F-150 XL Regular Cab 2WD model will cost $188 less than the insurance cost for the higher-priced F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the chart below.

Ford F-150 Insurance Rates in Ohio
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $142 $154 $298 $18 $88 $700 $58
F-150 STX Regular Cab 2WD $142 $196 $298 $18 $88 $742 $62
F-150 XL Super Cab 2WD $142 $196 $298 $18 $88 $742 $62
F-150 XLT Regular Cab 2WD $142 $196 $298 $18 $88 $742 $62
F-150 STX Super Cab 2WD $142 $196 $298 $18 $88 $742 $62
F-150 XL Crew Cab 2WD $162 $196 $298 $18 $88 $762 $64
F-150 XLT Super Cab 2WD $162 $196 $298 $18 $88 $762 $64
F-150 STX Regular Cab 4WD $162 $196 $298 $18 $88 $762 $64
F-150 XL Regular Cab 4WD $162 $196 $298 $18 $88 $762 $64
F-150 FX2 Super Cab 2WD $162 $196 $298 $18 $88 $762 $64
F-150 XLT Crew Cab 2WD $162 $196 $298 $18 $88 $762 $64
F-150 XL Super Cab 4WD $162 $196 $298 $18 $88 $762 $64
F-150 XLT Regular Cab 4WD $162 $196 $298 $18 $88 $762 $64
F-150 XL Crew Cab 4WD $184 $196 $298 $18 $88 $784 $65
F-150 STX Super Cab 4WD $184 $196 $298 $18 $88 $784 $65
F-150 XLT Super Cab 4WD $184 $196 $298 $18 $88 $784 $65
F-150 FX2 2WD $184 $238 $298 $18 $88 $826 $69
F-150 Lariat Super Cab 2WD $184 $238 $298 $18 $88 $826 $69
F-150 Lariat Crew Cab 2WD $184 $238 $298 $18 $88 $826 $69
F-150 FX4 Super Cab 4WD $184 $238 $298 $18 $88 $826 $69
F-150 XLT Crew Cab 4WD $184 $238 $298 $18 $88 $826 $69
F-150 FX4 4WD $184 $238 $298 $18 $88 $826 $69
F-150 Lariat Crew Cab 4WD $184 $238 $298 $18 $88 $826 $69
F-150 SVT Raptor Super Cab 4WD $184 $238 $298 $18 $88 $826 $69
F-150 Lariat Super Cab 4WD $184 $238 $298 $18 $88 $826 $69
F-150 Lariat Crew Cab Platinum 2WD $184 $280 $298 $18 $88 $868 $72
F-150 Lariat Crew Cab Harley 2WD $184 $280 $298 $18 $88 $868 $72
F-150 Lariat King Ranch 2WD $184 $280 $298 $18 $88 $868 $72
F-150 Lariat King Ranch 4WD $204 $280 $298 $18 $88 $888 $74
F-150 Lariat Crew Cab Harley 4WD $204 $280 $298 $18 $88 $888 $74
F-150 Lariat Crew Cab Platinum 4WD $204 $280 $298 $18 $88 $888 $74
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific garaging location which can alter price quotes considerably.

Best insurance company in Ohio

Finding a highly-rated insurer can be rather challenging considering how many companies there are in Ohio. The information displayed below can help you select which companies to look at when comparing rate quotes. These ratings are only made up of companies with a national presence, so companies that only write business in Ohio or surrounding areas are not factored into these rankings.

Ohio Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
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Data Source: Insure.com Best Car Insurance Companies

Accidents and violations increase rates

In a perfect world, the ideal way to snag the most affordable insurance rates in Ohio for a F-150 pickup is to drive carefully and avoid accidents and traffic citations. The diagram below demonstrates how speeding tickets and fender-benders can affect premium costs for each age group. The data assumes a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

In the previous chart, the average cost of an auto insurance policy in Ohio per year with no accidents or violations is $930. Factor in one speeding ticket and the average cost increases to $1,070, an increase of $140 each year. Now include two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford F-150 jumps again to an average of $2,388. That’s an increase of $1,458, or $122 per month, just for not being a responsible driver!

The example below highlights how deductible choice can impact premium costs when researching cheap insurance for a Ford F-150. The rate quotes are based on a single female driver, comp and collision included, and no policy discounts are applied.

As shown above, a 30-year-old driver could lower rates by $254 a year by switching from a $100 deductible to a $500 deductible, or save $386 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could possibly save as much as $564 annually by choosing larger deductibles on their policy. When insureds make the decision to increase the deductibles on their policy, it will be required to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Best rates: Geico, Progressive, Allstate, or State Farm

When it comes to car insurance, the top insurers to get price quotes from are Geico, Progressive, Allstate, and State Farm. The following table shows ratings and policy coverage options that are available for buyers.

Comparison of Top Four U.S. Auto Insurance Companies
Geico Progressive Allstate State Farm
Claims Service 3rd 4th 1st 2nd
Policy Discounts 2nd 4th 1st 3rd
Customer Satisfaction 1st 3rd 2nd 4th
Overall Cost 1st 3rd 4th 2nd
Breakdown insurance Yes Yes No No
Emergency roadside assistance Yes Yes Yes Yes
Usage-based rating No Yes Yes Yes
Accident forgiveness Yes Yes Yes No
New car replacement coverage No No Yes No
Coverage for ridesharing Yes Yes Yes Yes
Insure in Ohio Yes Yes Yes Yes
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