Finding cheap auto insurance for a Ford F-150 in Nevada relies on a lot of rating criteria such as whether you use your F-150 for business use, your credit status, and blemishes on your driving record. Drivers pay on average $689 a year for F-150 insurance, but that figure is a projection using a 50-year-old married female driver with full coverage and $1,000 deductibles.
More likely than not, you are not 50 and maybe not even a female, you might be single instead of married, or maybe you need higher liability limits than the state minimum. Not everyone needs the same coverages, so the best way to find cheap insurance rates for your Ford is to do your own rate comparisons.
The specific trim level has an effect on price, so the rate you will pay to insure a F-150 XL Regular Cab 2WD model will be $156 lower than the insurance cost for the high end F-150 Lariat Crew Cab Platinum 4WD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$98||$134||$290||$18||$86||$626||$52|
|F-150 STX Regular Cab 2WD||$98||$172||$290||$18||$86||$664||$55|
|F-150 XL Super Cab 2WD||$98||$172||$290||$18||$86||$664||$55|
|F-150 XLT Regular Cab 2WD||$98||$172||$290||$18||$86||$664||$55|
|F-150 STX Super Cab 2WD||$98||$172||$290||$18||$86||$664||$55|
|F-150 XL Crew Cab 2WD||$114||$172||$290||$18||$86||$680||$57|
|F-150 XLT Super Cab 2WD||$114||$172||$290||$18||$86||$680||$57|
|F-150 STX Regular Cab 4WD||$114||$172||$290||$18||$86||$680||$57|
|F-150 XL Regular Cab 4WD||$114||$172||$290||$18||$86||$680||$57|
|F-150 FX2 Super Cab 2WD||$114||$172||$290||$18||$86||$680||$57|
|F-150 XLT Crew Cab 2WD||$114||$172||$290||$18||$86||$680||$57|
|F-150 XL Super Cab 4WD||$114||$172||$290||$18||$86||$680||$57|
|F-150 XLT Regular Cab 4WD||$114||$172||$290||$18||$86||$680||$57|
|F-150 XL Crew Cab 4WD||$128||$172||$290||$18||$86||$694||$58|
|F-150 STX Super Cab 4WD||$128||$172||$290||$18||$86||$694||$58|
|F-150 XLT Super Cab 4WD||$128||$172||$290||$18||$86||$694||$58|
|F-150 FX2 2WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 Lariat Super Cab 2WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 Lariat Crew Cab 2WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 FX4 Super Cab 4WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 XLT Crew Cab 4WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 FX4 4WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 Lariat Crew Cab 4WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 SVT Raptor Super Cab 4WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 Lariat Super Cab 4WD||$128||$210||$290||$18||$86||$732||$61|
|F-150 Lariat Crew Cab Platinum 2WD||$128||$246||$290||$18||$86||$768||$64|
|F-150 Lariat Crew Cab Harley 2WD||$128||$246||$290||$18||$86||$768||$64|
|F-150 Lariat King Ranch 2WD||$128||$246||$290||$18||$86||$768||$64|
|F-150 Lariat King Ranch 4WD||$142||$246||$290||$18||$86||$782||$65|
|F-150 Lariat Crew Cab Harley 4WD||$142||$246||$290||$18||$86||$782||$65|
|F-150 Lariat Crew Cab Platinum 4WD||$142||$246||$290||$18||$86||$782||$65|
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can alter price quotes substantially.
Shopping around for low-priced car insurance is tough enough, and determining which insurers offer the lowest-priced auto insurance rates for a Ford F-150 will take additional perseverance. Each insurer uses slightly different criteria for determining prices, so let’s rank the most budget-friendly auto insurance companies in Henderson, NV.
It’s a good idea to be aware that Nevada auto insurance rates are based on many factors that control your annual premium. Price variation is why it is important to shop around to find the most budget-friendly car insurance rates for a Ford F-150. Rates can be altered by many things and change dramatically, so the cheapest company two years ago may now be costing you a lot of money.
Find the Cheapest Car Insurance for your F-150
|Rank||Company||Cost Per Year|
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Travelers may have some of the best car insurance rates in Henderson at around $903 each year. This is $671 less than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also qualify as some of the cheapest Henderson, NV car insurance companies.
In the above example, if you currently have a policy with Allied and switched to Travelers, you might see an annual savings of about $8. Policyholders with Capital might save as much as $75 a year, and Oregon Mutual customers might reduce prices by as much as $244 a year.
Understand that those policy prices are averaged across all drivers and vehicles and do not factor in an exact zip code location for a Ford F-150. So the insurer that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
Get discount Henderson insurance
Insurers that provide policies for a Ford F-150 may provide premium discounts that could lower prices by 25% or more if you meet specific eligibility requirements. Popular auto insurance companies and some of the premium reductions they offer include:
- Progressive offers premium reductions for multi-policy, homeowner, good student, online quote discount, online signing, and multi-vehicle.
- MetLife includes discounts for defensive driver, multi-policy, accident-free, good student, and claim-free.
- Mercury Insurance offers discounts including age of vehicle, annual mileage, location of vehicle, type of vehicle, and good student.
- Nationwide may have discounts that include accident-free, family plan, business or organization, easy pay, and multi-policy.
- GEICO has discounts for good student, anti-lock brakes, five-year accident-free, federal employee, military active duty, and air bags.
- AAA has savings for good student, education and occupation, pay-in-full, multi-policy, AAA membership discount, and anti-theft.
The chart below compares yearly insurance costs with and without discounts applied to the rates. The rates are based on a female driver, no accidents, no driving violations, Nevada state minimum liability limits, comprehensive and collision 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 multiple policy, safe-driver, passive restraint, multiple vehicle, claim-free, and vehicle safety discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for a Ford F-150 is 28% or $558.
Liability only or full coverage
Finding cheaper auto insurance should be important to the majority of drivers, and one way to buy cheaper insurance for a Ford F-150 is to only buy liability coverage. The example below shows the comparison of auto insurance costs with full physical damage coverage and with liability coverage only. Data assumes no accidents or driving violations, $100 deductibles, single marital status, and no discounts are applied to the premium.
If averaged out across all ages, physical damage insurance costs $1,940 per year more than just buying liability only. That is a large expense and it proposes the question when is the right time to remove full coverage. There is no definitive guideline to stop buying full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying the physical damage deductible. If it’s costing you more than $300 annually for full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Why are you paying too much to insure your F-150?
Henderson auto insurance rates are based on many factors that can increase the price of your policy. Improving your credit rating, having a teenage driver, or getting a ticket for running a stop sign may prompt premium changes that can cause some rates to be cheaper than competitors.
In addition, insurance companies change rates multiple times each year in order to protect their financial rating. Significantly higher losses can result in additional premium costs, while lower claim levels can produce more affordable F-150 insurance rates.
As an example, the graph below shows the cheapest car insurance in Henderson, NV for a 35-year-old female driver with a clean driving record, no accidents, and excellent credit. If we estimate prices based on her current risk factors, Allied offers the best car insurance rates in Henderson at $1,431 a year. This is $143 less than the average rate paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family are the remainder of the best Henderson, NV auto insurance companies.
Now let’s give the driver from the first example a chargeable accident, less-than-perfect credit, and a few traffic violations. Because every insurance company has a unique approach for determining rates in each state, comparing insurance quotes most likely will result in a different list of companies as shown below.
Travelers now has the cheapest auto insurance in Henderson, NV with GEICO, Safeco, Nationwide, and USAA also being competitive. This example shows why drivers need to compare as many rates as possible when trying to find affordable auto insurance rates for a Ford F-150.
Auto insurance prices consist of many things and can increase or decrease at any time, so the cheapest company the last time you checked may now be wasting a lot of money.
How to find economical car insurance for a Ford F-150
Below you’ll find many money-saving solutions that can help Henderson drivers buy cheap coverage.
- Safe vehicles generally have lower rates
- Drivers with good credit often pay less
- Avoid having at-fault accidents
- Do not get traffic citations
- Increase physical damage deductibles
- Remove physical damage coverage on older vehicles
- Shop around for cheaper prices
The last tip is highly significant, as was stressed in the prior information. Car insurance rates in Henderson change constantly, so don’t be afraid to buy from a different company if a lower price can be found. Brand loyalty is not necessarily bad, but we do not recommend it if that stubbornness costs you a considerable chunk of change every month. In just a couple of minutes you could compare prices and find cheaper car insurance for a Ford F-150.
If you wish to get some professional advice when comparing insurance rates for a F-150 pickup, the agents below can help you make a decision which policy fits your needs best. To locate an agency close to you, click the button following the list.
- Farmers Insurance – Christopher Sutter
11201 S Eastern Ave #110 – Henderson, NV 89052 – (702) 260-8589
- Carl R Forman Insurance Agency
70 E Horizon Ridge Pkwy – Henderson, NV 89002 – (702) 732-7675
- Randy Wilcox – State Farm Insurance Agent
11115 S Eastern Ave #130 – Henderson, NV 89052 – (702) 617-9111
- Farmers Insurance: Jennifer Montisano
181 N Arroyo Grande Blvd #100 – Henderson, NV 89074 – (702) 262-5525