Best Cheap Insurance for a Ford F-150 in Pennsylvania

Best Cheap Insurance for a Ford F-150 in Pennsylvania

Our editors always tell us that when writing about car insurance, the words “cheap” or “affordable” should not appear as a descriptor for car insurance rates. Excuse the oxymoron, but cheap car insurance for a Ford F-150 is not always easy to find. Don’t let that bother you, though, because we are going to show you how you can find auto insurance that you can fit into your budget.

The chances that you’ll find cheaper auto insurance for a Ford F-150 in Pennsylvania is contingent on many factors like if you rent or own your home, your occupation, and deductibles for comprehensive and collision coverage. Drivers pay around $1,000 each year to insure their F-150, but that price is a valuation based on rates for a 50-year-old single male driver that wants full physical damage coverage and $500 policy deductibles.

This brings up the issue that more than likely you are not 50 years old and maybe not even male, you might be married instead of single, or maybe you want more liability coverage than is required by law in Pennsylvania. Every insurance policy is unique to the driver, so the way we recommend to find the most affordable coverage for your Ford is to just compare rates yourself.

Compare Ford F-150 Insurance Rates

Vehicle trim level will influence the cost of coverage, so the cost to insure a F-150 XL Regular Cab 2WD will be $260 cheaper than the price to insure the more well-appointed F-150 Lariat Crew Cab Platinum 4WD trim level, as shown below.

Ford F-150 Insurance Rates in Pennsylvania
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $154 $230 $372 $22 $112 $890 $74
F-150 STX Regular Cab 2WD $154 $292 $372 $22 $112 $952 $79
F-150 XL Super Cab 2WD $154 $292 $372 $22 $112 $952 $79
F-150 XLT Regular Cab 2WD $154 $292 $372 $22 $112 $952 $79
F-150 STX Super Cab 2WD $154 $292 $372 $22 $112 $952 $79
F-150 XL Crew Cab 2WD $178 $292 $372 $22 $112 $976 $81
F-150 XLT Super Cab 2WD $178 $292 $372 $22 $112 $976 $81
F-150 STX Regular Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 XL Regular Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 FX2 Super Cab 2WD $178 $292 $372 $22 $112 $976 $81
F-150 XLT Crew Cab 2WD $178 $292 $372 $22 $112 $976 $81
F-150 XL Super Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 XLT Regular Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 XL Crew Cab 4WD $200 $292 $372 $22 $112 $998 $83
F-150 STX Super Cab 4WD $200 $292 $372 $22 $112 $998 $83
F-150 XLT Super Cab 4WD $200 $292 $372 $22 $112 $998 $83
F-150 FX2 2WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Super Cab 2WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Crew Cab 2WD $200 $356 $372 $22 $112 $1,062 $89
F-150 FX4 Super Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 XLT Crew Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 FX4 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Crew Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 SVT Raptor Super Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Super Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Crew Cab Platinum 2WD $200 $420 $372 $22 $112 $1,126 $94
F-150 Lariat Crew Cab Harley 2WD $200 $420 $372 $22 $112 $1,126 $94
F-150 Lariat King Ranch 2WD $200 $420 $372 $22 $112 $1,126 $94
F-150 Lariat King Ranch 4WD $224 $420 $372 $22 $112 $1,150 $96
F-150 Lariat Crew Cab Harley 4WD $224 $420 $372 $22 $112 $1,150 $96
F-150 Lariat Crew Cab Platinum 4WD $224 $420 $372 $22 $112 $1,150 $96
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Estimates do not factor in vehicle location which can increase or decrease prices significantly.

What is the best insurance company in Pennsylvania?

Buying coverage from a highly-rated insurance provider can be difficult considering how many different companies insure vehicles in Pennsylvania. The ranking data displayed below can help you analyze which providers to look at when comparing insurance rates for a Ford F-150. The ratings below include companies with a national presence, so smaller regional companies are not factored into this list.

Pennsylvania Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
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Data Source: Insure.com Best Car Insurance Companies

Accidents and violations increase rates

The best way to find the cheapest insurance rates for a F-150 pickup is to pay attention while driving and have a clean driving record. The example below demonstrates how traffic citations and fender-benders increase car insurance costs for different categories of driver ages. The premiums assume a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.

In the prior example, the average cost of a car insurance policy in Pennsylvania per year with a clean driving record and no accidents is $1,757. Receive one speeding ticket and the average cost jumps to $1,980, an increase of $223 each year. Then include two accidents along with the one speeding ticket and the annual cost of insurance for a Ford F-150 jumps again to an average of $4,002. That’s an increase of $2,245, or $187 per month, just for not driving carefully!

How to get discounts on Pennsylvania insurance rates

Discounts on insurance for a Ford F-150Insurance companies that sell the best cheap insurance for a Ford F-150 in Pennsylvania may additionally offer price discounts that can lower rates by 25% or more if you meet eligibility requirements. A few of the larger companies and some of the discounts include:

  • 21st Century has discounts for 55 and older, air bags, driver training, student driver, and automatic seat belts.
  • State Farm includes discounts for passive restraint, good driver, Drive Safe & Save, safe vehicle, student away at school, multiple policy, and Steer Clear safe driver discount.
  • AAA offers discounts including multi-policy, good student, anti-theft, AAA membership discount, and good driver.
  • Liberty Mutual has savings for newly married, new vehicle discount, safety features, hybrid vehicle, and teen driver discount.
  • Progressive offers discounts for multi-vehicle, online quote discount, multi-policy, homeowner, good student, continuous coverage, and online signing.

The information below visualizes the comparison of insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no accidents or driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, marriage, safe-driver, passive restraint, defensive driving course, and homeowner discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Ford F-150 is 28% or $641.

Company comparison: Geico vs Allstate vs Progressive vs State Farm

When comparing rates for insurance for a F-150 pickup in Pennsylvania, some of the largest companies to start with are Geico, Allstate, Progressive, and State Farm. All offer liability and physical damage insurance, but each one has different features and discounts that may influence which company you choose. The following table rates ratings and policy coverage options that you can purchase from each one.

Geico, Allstate, Progressive, and State Farm Compared
Geico Allstate Progressive State Farm
Discounts Available 2nd 1st 4th 3rd
Handling of Claims 3rd 1st 4th 2nd
Client Satisfaction 1st 2nd 3rd 4th
Overall Price 1st 4th 3rd 2nd
Market share percentage 11.4% 10% 8.8% 18.3%
A.M. Best rating A++ A+ A+ A++
Standard & Poor’s rating AA+ AA- AA AA
Usage-based rating No Yes Yes Yes
Breakdown insurance Yes No Yes No
Roadside assistance Yes Yes Yes Yes
Rideshare coverage Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes Yes No
New car replacement coverage No Yes No No
Insurance Agents Can buy online or use a Geico agent Allstate exclusive agents Buy online or from an independent agent State Farm-only agents
Number of agents 150+ 11,000+ 30,000+ 18,000+
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