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

The chances that you’ll find cheaper auto insurance for a Ford F-150 in Connecticut is dependent upon a lot of rating factors such as if you own the home you live in, whether or not you are currently insured, and the level of deductible you choose. Drivers in Connecticut on average pay around $1,000 each year to insure a Ford F-150, but that amount is an estimate using a 30-year-old married female that purchased full coverage and $500 deductibles.

It’s more than likely you are not exactly 30 years old and possibly not even female, single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Everyone has different rating factors, so the way we recommend to find cheap auto insurance rates for your Ford is to do a thorough rate comparison. Get a free quote now and you can get rates from top-rated car insurance companies that insure vehicles in Connecticut.

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The specific trim level will influence the yearly cost, so the cost to insure a F-150 XL Regular Cab 2WD trim level will be $270 less than the cost to insure the fancier F-150 Lariat Crew Cab Platinum 4WD model, as shown in the chart below.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in garaging location in Connecticut which can change premium rates greatly.

Comparing rates for low-priced insurance is challenging, and finding out which companies quote the cheapest insurance rates for a Ford F-150 calls for additional perseverance.

Every insurance provider uses different criteria to set their prices, so we’ll take a look at the insurance companies that tend to be cheaper in Connecticut.

Cheapest Insurance Rates for your F-150

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Utica National normally has some of the best car insurance rates in Connecticut at around $965 per year. Travelers, Amica, USAA, and Nationwide also rank well as some of the lowest-priced Connecticut auto insurance companies.

As shown in the table above, if you are a policyholder with USAA and switched to Utica National, you might see a yearly savings of around $306. Drivers with Nationwide might save as much as $418 a year, and Unitrin insureds might reduce rates by $553 a year.

These policy rates are averages for all insureds and vehicles and are not factoring in a specific rate factor for a Ford F-150. So the auto insurance company that fits your needs best may not even be shown in the list of companies shown earlier. That’s why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

How to get discounts on Connecticut auto insurance

Auto insurance companies that provide the cheapest insurance for a Ford F-150 in Connecticut may also provide policy discounts that can lower rates by as much as 25% or more if you meet certain criteria. A few popular companies and their offered discounts are outlined below.

• State Farm offers discounts including Steer Clear safe driver discount, Drive Safe & Save, accident-free, good student, anti-theft, passive restraint, and defensive driving training.
• GEICO may offer discounts for multi-vehicle, defensive driver, anti-lock brakes, military active duty, seat belt use, and driver training.
• SAFECO has discounts for anti-lock brakes, multi-car, teen safe driver, bundle discounts, homeowner, and anti-theft.
• Farmers Insurance may include discounts for bundle discounts, switch companies, teen driver, alternative fuel, mature driver, electronic funds transfer, and distant student.
• AAA includes discounts for multi-car, good driver, multi-policy, good student, anti-theft, and pay-in-full.
• USAA discounts include military installation, family discount, driver training, new vehicle, and multi-policy.

The illustration below illustrates the difference between insurance costs with and without policy discounts. The data assumes a male driver, a clean driving record, no at-fault accidents, Connecticut state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, claim-free, safe-driver, marriage, anti-theft, and passive restraint discounts applied. In this example, the average amount saved each year on insurance for a Ford F-150 is 28% or $552.

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Allstate vs Progressive vs Geico vs State Farm

If you’re looking for the cheapest insurance for a F-150 pickup, four companies to consider are Allstate, Progressive, Geico, and State Farm. If you put them all together, they insure nearly half of all vehicles in the U.S.. All of them offer liability and physical damage protection, but each on has different features and discounts that add value to each policy. The data below breaks down some of the different options that are available.