How Much is Insurance for a Ford F-150 in Oregon?

How Much is Insurance for a Ford F-150 in Oregon?

The odds of finding the cheapest car insurance for a Ford F-150 in Oregon depends on a complex formula that factors things like how old the F-150 is, your credit status, and deductibles for comprehensive and collision coverage. Oregon drivers pay approximately $710 each year to insure a Ford F-150, but that cost is a ballpark figure assuming a 50-year-old married female who requires full physical damage coverage and $1,000 physical damage deductibles.

The problem with using this number is the good chance you’re not a 50-year-old female, single instead of married, or maybe you live in a different area as the quoted rates. There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding affordable rates for your Ford is to just take the time to compare rates yourself.

Save Now on F-150 Insurance

The trim level of your F-150 has an effect on the yearly cost, so the price you pay to insure a F-150 XL Regular Cab 2WD will be $162 cheaper than the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the chart below.

Ford F-150 Insurance Rates in Oregon
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $102 $140 $300 $18 $90 $650 $54
F-150 STX Regular Cab 2WD $102 $178 $300 $18 $90 $688 $57
F-150 XL Super Cab 2WD $102 $178 $300 $18 $90 $688 $57
F-150 XLT Regular Cab 2WD $102 $178 $300 $18 $90 $688 $57
F-150 STX Super Cab 2WD $102 $178 $300 $18 $90 $688 $57
F-150 XL Crew Cab 2WD $118 $178 $300 $18 $90 $704 $59
F-150 XLT Super Cab 2WD $118 $178 $300 $18 $90 $704 $59
F-150 STX Regular Cab 4WD $118 $178 $300 $18 $90 $704 $59
F-150 XL Regular Cab 4WD $118 $178 $300 $18 $90 $704 $59
F-150 FX2 Super Cab 2WD $118 $178 $300 $18 $90 $704 $59
F-150 XLT Crew Cab 2WD $118 $178 $300 $18 $90 $704 $59
F-150 XL Super Cab 4WD $118 $178 $300 $18 $90 $704 $59
F-150 XLT Regular Cab 4WD $118 $178 $300 $18 $90 $704 $59
F-150 XL Crew Cab 4WD $132 $178 $300 $18 $90 $718 $60
F-150 STX Super Cab 4WD $132 $178 $300 $18 $90 $718 $60
F-150 XLT Super Cab 4WD $132 $178 $300 $18 $90 $718 $60
F-150 FX2 2WD $132 $218 $300 $18 $90 $758 $63
F-150 Lariat Super Cab 2WD $132 $218 $300 $18 $90 $758 $63
F-150 Lariat Crew Cab 2WD $132 $218 $300 $18 $90 $758 $63
F-150 FX4 Super Cab 4WD $132 $218 $300 $18 $90 $758 $63
F-150 XLT Crew Cab 4WD $132 $218 $300 $18 $90 $758 $63
F-150 FX4 4WD $132 $218 $300 $18 $90 $758 $63
F-150 Lariat Crew Cab 4WD $132 $218 $300 $18 $90 $758 $63
F-150 SVT Raptor Super Cab 4WD $132 $218 $300 $18 $90 $758 $63
F-150 Lariat Super Cab 4WD $132 $218 $300 $18 $90 $758 $63
F-150 Lariat Crew Cab Platinum 2WD $132 $256 $300 $18 $90 $796 $66
F-150 Lariat Crew Cab Harley 2WD $132 $256 $300 $18 $90 $796 $66
F-150 Lariat King Ranch 2WD $132 $256 $300 $18 $90 $796 $66
F-150 Lariat King Ranch 4WD $148 $256 $300 $18 $90 $812 $68
F-150 Lariat Crew Cab Harley 4WD $148 $256 $300 $18 $90 $812 $68
F-150 Lariat Crew Cab Platinum 4WD $148 $256 $300 $18 $90 $812 $68
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Table data does not factor in vehicle location which can revise coverage rates considerably.

Finding the best company is difficult considering how many different companies insure vehicles in Oregon. The company information in the lists below may help you decide which insurers to look at when buying insurance for a Ford F-150. The ratings below are only made up of the largest companies in the United States, so smaller regional companies will not be included in this list.

Oregon Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Careless drivers pay higher rates

The obvious way to earn cheap insurance prices for a F-150 pickup is to drive safely and avoid at-fault accidents and violations. The information below illustrates how violations and at-fault collisions can affect auto insurance costs for each different age group. The costs are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of a car insurance policy in Oregon per year with no accidents and a clean driving record is $1,728. Get written up for two speeding tickets and the average cost surges to $2,311, an increase of $583 each year. Then add one accident along with the two speeding tickets and the annual cost of insurance for a Ford F-150 increases to an average of $2,896. That’s an increase of $1,168, or $97 per month, just for not maintaining a clean driving record!

A good deal can quickly turn bad

Oregon insurance rates are based on many factors that may substantially change the price of coverage. Simply having a birthday, buying a home instead of renting, or getting into an accident can trigger price changes that can cause some rates to be cheaper than competitors. Not only may things change on your end, but auto insurance companies file new rates multiple times each year to help ensure profitability. A period of increased losses may cause rate hikes, while a better claims history may cause cheaper F-150 insurance rates.

To illustrate this example, the data below shows rates for the cheapest car insurance in Oregon for a 40-year-old male driver with no accidents, a clean driving record, and a good credit rating. If we estimate rates based on his current risk profile, Grange might quote the most affordable car insurance rates in Oregon at $687 annually. This is $791 less than the average policy premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, USAA, and Travelers are the remaining most affordable Oregon auto insurance companies.

In this example, we will give the driver from the first set of rates a claim or two, slightly worse credit, and a stop sign violation. Because every insurance company has a different process for establishing rates, analyzing rates may now present a substantially altered list of affordable companies as shown below.

Amica now has the cheapest insurance rate in Oregon with Country, Oregon Mutual, Mutual Enumclaw, and GEICO also having competitive pricing. This illustrates why it is critical to compare rates when trying to find the most budget-friendly car insurance rates for a Ford F-150. Auto insurance prices are impacted by many factors and can decrease or increase without notice, so the best price a year ago may now be costing you a lot of money.

How to find more affordable insurance for a Ford F-150

The list below details some of the better money-saving solutions that can help you quote lower-cost auto insurance.

  • Drive attentively and avoid accidents
  • Vehicles with safetly features generally cost less to insure
  • Save money by only buying liability coverage for older vehicles
  • Higher deductibles save money
  • Increase your credit rating
  • Speeding tickets and other violations increase rates
  • Comparison shop frequently

The last tip in the list is very critical, as we pointed out in this write-up. Prices fluctuate constantly, so don’t be hesitant to change insurance companies if you find a cheaper price. Sticking with a specific company is fine, but it isn’t a good idea if that inflexibility results in costing you money that could be used for better things. In just a few minutes you could compare prices to find cheaper auto insurance for a Ford F-150.