Who Has the Cheapest Insurance Quotes for a Ford F-150 in California?

The likelihood of finding the cheapest car insurance for a Ford F-150 in California depends on a lot of factors such as if you are a renter or homeowner, what you do for a living, and deductible levels for physical damage coverage. Drivers will pay around $1,120 a year for F-150 insurance, but that is a projection calculated using a 50-year-old married female that has both comprehensive and collision coverage and $500 policy deductibles.

It’s more than likely you are not 50 years old and maybe not even female, maybe you are single instead of married, or maybe you prefer higher deductibles. Auto insurance is not the same for everyone, so the most reliable way to find cheap auto insurance rates for your Ford is to shop your policy around at every renewal. Quotes only take a few minutes and you will receive prices from the cheapest companies that offer coverage in California.

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Your Ford’s trim level tends to impact price, so the rate you will pay to insure a F-150 XL Regular Cab 2WD model will be $288 less than the price to insure the more well-appointed F-150 Lariat Crew Cab Platinum 4WD trim level, as demonstrated by the prices below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in zip code location which can impact premiums considerably.

Finding a good quality insurance provider can be difficult considering how many companies sell insurance in California. The company information in the lists below may help you select which coverage providers you want to consider to insure your vehicles.

The rankings below are for the companies with a significant amount of written premium nationwide, so companies that have a smaller presence will not be included in this list. To compare prices from these and other top-rated companies, just click here.

The chart below highlights how deductible selection can increase or decrease insurance prices when researching cheap insurance for a Ford F-150. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3139,2893,2601,2321],[‘Age 30’, 2203,2021,1805,1595],[‘Age 40’, 2169,1995,1789,1591],[‘Age 50’, 1905,1757,1579,1407],[‘Age 60’, 1819,1675,1503,1337],[‘Age 70’, 1927,1775,1605,1439]]);var options = {title: ‘Comparison of Deductible Levels and Ford F-150 Insurance Rates in California’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford F-150’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $326 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $498 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could lower their rates $818 annually just by choosing larger deductibles.

When raising deductibles, it is essential to have enough savings set aside to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Insurance rates are higher with tickets and accidents

In a perfect world, the best way to maintain the cheapest insurance for a Ford F-150 in California is to pay attention while driving and avoid getting tickets or having accidents. The illustration below highlights how speeding tickets and at-fault claims influence annual premium costs for each age group. The rate quotes are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

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’, 4429,5409,6397],[‘Age 30’, 2323,3305,4289],[‘Age 40’, 2225,3209,4195],[‘Age 50’, 2035,3017,4005],[‘Age 60’, 1999,2981,3967],[‘Age 70’, 2295,3277,4265]]);var options = {title: ‘Impact of Tickets and Accidents on California 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 California’,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 previous example, the average cost of car insurance in California per year with a clean driving record and no accidents is $2,551. Get two speeding tickets and the average cost jumps to $3,533, an increase of $982 each year. Then add in one accident along with the two speeding tickets and the annual cost of insurance for a Ford F-150 increases to an average of $4,520. That’s an increase of $1,969, or $164 per month, just for not driving safely!