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

When discussing auto insurance, the words cheap or affordable should never appear as a descriptor for auto insurance rates. It’s just a fact that cheap auto insurance for a Ford F-150 is almost non-existent. Don’t let that ruin your day, because there may be ways you can quote coverage that won’t break the bank.

The chances of buying cheap insurance for a Ford F-150 in Utah hinges on a complex formula that considers things such as annual vehicle mileage, the likelihood of vehicle theft, and driving citations. Utah drivers pay an average rate of $1,200 annually to insure their F-150, but that figure is an approximation based on rate data for a 30-year-old single female that has both comprehensive and collision coverage and $100 deductibles.

When projecting a rate like this, the problem is that you are not 30 and possibly not even female, married instead of single, or maybe your driving record isn’t squeaky clean. Each driver’s needs are different, and that demonstrates why the best method for finding cheap insurance rates for your Ford is to just take the time to do a thorough rate comparison. In less than five minutes you can get prices from top-rated companies that offer coverage in Utah.

View Ford F-150 Insurance Rates

The trim level of your vehicle has an effect on the coverage cost, so the cost to insure a F-150 XL Regular Cab 2WD model will be $372 less than the insurance cost for the more well-appointed F-150 Lariat Crew Cab Platinum 4WD trim level, as demonstrated by the prices below.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in garaging location in Utah which can change auto insurance rates greatly.

Choosing the best insurance provider can be difficult considering how many different companies there are to choose from in Utah. The ranking data below may help you choose which auto insurance companies you want to consider when buying insurance for a Ford F-150. The ratings below are only comprised of large, nationwide insurance companies, so smaller companies will not be included in the list.

Top 10 Major Car Insurance Companies in Utah Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Liberty Mutual

Top 10 Major Car Insurance Companies in Utah Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. 21st Century

Top Companies for Ford F-150 Insurance in Utah

Full coverage versus liability only rates

Finding cheap insurance for a Ford F-150 in Utah should be important to most people, and one of the quickest ways to buy cheap insurance is to only buy liability insurance. The illustration below shows the comparison of auto insurance rates with full coverage compared to only the Utah minimum liability coverage. The premiums are based on no accidents, no driving violations, $100 deductibles, single marital status, and no other discounts are factored in.

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If we average all the age groups together, comprehensive and collision coverage on your policy costs an extra $2,037 per year more than just buying liability insurance. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no definitive guideline for phasing out full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $8,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,500 after paying the physical damage deductible. If premiums are more than $750 a year for full coverage, then you might consider buying liability only.

There are some cases where dropping full coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Careless Utah drivers pay higher rates

A great way to earn the best insurance rates in Utah for a F-150 pickup is to pay attention while driving and avoid tickets and accidents. The diagram below illustrates how violations and at-fault fender-benders can influence insurance premiums for different age groups of insureds. The premiums assume a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1923,2351,2781],[‘Age 30’, 1305,1733,2163],[‘Age 40’, 1219,1651,2079],[‘Age 50’, 1071,1497,1929],[‘Age 60’, 1033,1459,1893],[‘Age 70’, 1217,1645,2077]]);var options = {title: ‘Effect of Citations and Accidents on Utah Ford F-150 Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150 in Utah’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of car insurance in Utah per year with no accidents or violations is $1,295. Receive two speeding tickets and the average cost hikes up to $1,723, an increase of $428 each year. Now include one accident along with the two speeding tickets and the yearly cost of insurance for a Ford F-150 goes up to an average of $2,154. That’s an increase of $859, or $72 per month, just for not keeping your driving record clean!

Company comparison: Allstate vs Progressive vs Geico vs State Farm

When shopping for insurance for a F-150 pickup in Utah, four of the best places to start are Allstate, Progressive, Geico, and State Farm. Between them, they make up over 45% of all auto insurance policies in force. The following table ranks some of the ratings and options shoppers can find with each company.