Finding cheaper car insurance for a Ford F-150 in Ohio is normally pretty easy, but it hinges on a large number of factors such as whether you own a home, the likelihood of vehicle theft, and your choice of physical damage deductibles. Drivers will pay on average $574 per year to insure their F-150, but that is an estimation calculated using a 50-year-old married female driver with full physical damage coverage and $500 deductibles.
This brings up the issue that more than likely you’re not a 50-year-old female, possibly single instead of married, or maybe your F-150 is old enough that it doesn’t require full coverage. Auto insurance is not the same for everyone, so the best way to find cheap auto insurance rates for your Ford is to compare rates from as many companies as possible. It’s really quite easy you will receive price comparisons from some of the best companies available.
Compare Ford F-150 Insurance Rates
The trim level of your Ford will most likely have an effect on the coverage cost, so the rate you will pay to insure a F-150 XL Regular Cab 2WD will be $148 lower than the cost to insure the high end F-150 Lariat Crew Cab Platinum 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $96 | $128 | $214 | $12 | $64 | $514 | $43 |
| F-150 STX Regular Cab 2WD | $96 | $162 | $214 | $12 | $64 | $548 | $46 |
| F-150 XL Super Cab 2WD | $96 | $162 | $214 | $12 | $64 | $548 | $46 |
| F-150 XLT Regular Cab 2WD | $96 | $162 | $214 | $12 | $64 | $548 | $46 |
| F-150 STX Super Cab 2WD | $96 | $162 | $214 | $12 | $64 | $548 | $46 |
| F-150 XL Crew Cab 2WD | $110 | $162 | $214 | $12 | $64 | $562 | $47 |
| F-150 XLT Super Cab 2WD | $110 | $162 | $214 | $12 | $64 | $562 | $47 |
| F-150 STX Regular Cab 4WD | $110 | $162 | $214 | $12 | $64 | $562 | $47 |
| F-150 XL Regular Cab 4WD | $110 | $162 | $214 | $12 | $64 | $562 | $47 |
| F-150 FX2 Super Cab 2WD | $110 | $162 | $214 | $12 | $64 | $562 | $47 |
| F-150 XLT Crew Cab 2WD | $110 | $162 | $214 | $12 | $64 | $562 | $47 |
| F-150 XL Super Cab 4WD | $110 | $162 | $214 | $12 | $64 | $562 | $47 |
| F-150 XLT Regular Cab 4WD | $110 | $162 | $214 | $12 | $64 | $562 | $47 |
| F-150 XL Crew Cab 4WD | $124 | $162 | $214 | $12 | $64 | $576 | $48 |
| F-150 STX Super Cab 4WD | $124 | $162 | $214 | $12 | $64 | $576 | $48 |
| F-150 XLT Super Cab 4WD | $124 | $162 | $214 | $12 | $64 | $576 | $48 |
| F-150 FX2 2WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 Lariat Super Cab 2WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 Lariat Crew Cab 2WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 FX4 Super Cab 4WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 XLT Crew Cab 4WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 FX4 4WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 Lariat Crew Cab 4WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 SVT Raptor Super Cab 4WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 Lariat Super Cab 4WD | $124 | $198 | $214 | $12 | $64 | $612 | $51 |
| F-150 Lariat Crew Cab Platinum 2WD | $124 | $234 | $214 | $12 | $64 | $648 | $54 |
| F-150 Lariat Crew Cab Harley 2WD | $124 | $234 | $214 | $12 | $64 | $648 | $54 |
| F-150 Lariat King Ranch 2WD | $124 | $234 | $214 | $12 | $64 | $648 | $54 |
| F-150 Lariat King Ranch 4WD | $138 | $234 | $214 | $12 | $64 | $662 | $55 |
| F-150 Lariat Crew Cab Harley 4WD | $138 | $234 | $214 | $12 | $64 | $662 | $55 |
| F-150 Lariat Crew Cab Platinum 4WD | $138 | $234 | $214 | $12 | $64 | $662 | $55 |
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific Columbus garaging location which can revise premium rates substantially.
Determining which company has the cheapest auto insurance rates for a Ford F-150 takes more work than just comparing a company or two.
Every insurance provider has a different process for filing rates in each state, so let’s examine the auto insurance companies with the overall best prices in Ohio. We do need to point out that Columbus auto insurance rates are determined by lots of factors that may substantially change the cost of your policy. Improving your credit score, increasing deductibles, or having an at-fault accident can trigger rate changes that can now make some companies more affordable than the competition.
Best Insurance Companies for your F-150
Utica National quotes some of the cheapest car insurance rates in Columbus at around $647 annually. Erie, Allied, Frankenmuth, and Travelers would also make the list of some of the cheaper Columbus, OH auto insurance companies.
In the rate table above, if you are insured with Frankenmuth and switched to Erie, you may see an annual premium reduction of approximately $26. Customers with Travelers may save as much as $72 a year, and USAA customers might see rate reductions of $80 a year.
Be aware that those prices are averages for all types of drivers and the different vehicles they drive and do not factor in an exact location for a Ford F-150. So the car insurance company that fits your situation best may not even be in the top 33 companies shown above. That emphasizes why you need to compare prices as often as possible using your own individual information.
Full coverage rates compared to liability-only
Finding cheaper auto insurance is probably important to the majority of drivers, and one of the easiest ways to reduce the cost of insurance for a Ford F-150 is to buy only liability coverage. The information below shows the comparison of premium costs with full coverage compared to only the Ohio minimum liability coverage. The rate quotes are based on no violations or accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.
As an average, full coverage costs $1,376 per year over liability only. Many drivers may wonder if buying full coverage is a waste of money. There is no definitive rule for phasing out comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
There are some cases where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
What aren’t you shopping around?
Ohio auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay. Getting older, having a teenage driver, or getting a couple of tickets may generate price changes that can make some companies much cheaper than others. Not only may things change on your end, but auto insurance companies modify rates as often as every three months to ensure their profitability. Significantly higher claims may cause high rates, while lower claim expenses may cause cheaper F-150 insurance rates.
The data below shows the companies that have the cheapest car insurance in Columbus, OH for a 30-year-old male driver with no violations or accidents, and a decent credit rating. If we estimate prices based on his current risk profile, Utica National may have the best car insurance rates in Columbus at $836 each year. This is $204 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also included in the cheapest Columbus, OH auto insurance companies.
Now we will pretend the driver from above a chargeable accident, less-than-perfect credit, and a speeding ticket. Because every insurance company has their own process for establishing rates, comparing rates could now result in a substantially altered list of the cheapest companies as shown below.
Cincinnati Insurance now has the cheapest car insurance in Columbus with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty also being competitive. This example proves why drivers need to compare as many rates as possible when trying to get cheap car insurance rates for a Ford F-150.
Insurance rates are impacted by many different factors and can change without notice, so the most economical option when you bought your policy may now be quite expensive.
The agents below can probably help you make a decision which auto insurance coverages would be the best in your situation, as some drivers aren’t sure which coverage they need and prefer to have a little guidance when shopping for the best coverage for a F-150 pickup. It can be difficult to find coverage yourself, so a professional agent can provide you comfort knowing your coverage gives you adequate coverage if you have an accident or claim. To find an agent close to you, click the link after the list or click here to compare price quotes.
- AA Affordable Insurance Agency of Ohio
1180 W Broad St – Columbus, OH 43222 – (614) 221-7007 - Pfeifer-Ornstein Insurance Agency
3291 E Main St – Columbus, OH 43213 – (614) 235-7050 - Associated Insurance Agency – Pickerington
12927 Stonecreek Dr – Pickerington, OH 43147 – (614) 866-6060