Vehicle Insurance Quotes for the Ford F-Series Trucks
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How Much Is Car Insurance for a Ford F-Series ?
The average annual premium for a F-150 is $499 for liability and $1,442 for full coverage.
All drivers can benefit from an affordable state minimum liability or full auto insurance policy from Freeway Insurance. In addition, our expert team of agents is on hand to help you reduce the cost of an auto policy via bundling, car insurance discounts.
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Comparing Auto Insurance Costs for the F-Series to Other Vehicles
Costs compared to similar full and mid-size pickup trucks from other manufacturers depend on several factors, including but not limited to the driver’s age, gender, zip code of residence, and model year of the truck. Vehicles comparable to this include GMC Sierra, Nissan Titan, Toyota Tundra and Ram 1500.
| Make/Model | Annual Full Coverage |
|---|---|
| Ford F-150 | $1,442 |
| GMC Sierra 1500 | $1,555 |
| Nissan Titan | $1,867 |
| Toyota Tundra | $1,716 |
| Dodge Ram 1500 | $1,697 |
Types of Car Coverage for Trucks
Drivers have choices between state minimum liability or full premium, a combination of both or additional options, as well.
Full Coverage
Full coverage includes the state-required minimum liability, collision and comprehensive .
Collision pays for damages caused by vehicle-to-vehicle, vehicle-to-object, and rollover collisions.
Comprehensive covers damages due to non-collision-related events caused by falling objects, vandalism, fire, and other events outside of your control.
If you are a driver, you should opt for full over a liability-only policy if possible. Adding comprehensive and collision offers substantially greater protections, covering the cost of repairs after both collision and non-collision accidents, regardless of who is at fault.
State Minimum Liability
Many Ford truck drivers opt for state minimums over full coverage to save money. Depending on the state, minimum coverage may involve up to four types: bodily injury liability, property damage liability, uninsured/underinsured motorist, and additional medical of either personal injury protection (PIP), or medical payments (MedPay).
Each state has different minimum liability limits. For example, Texas drivers must carry minimum bodily injury coverage of $30,000 per person, $60,000 per accident, and property damage liability of $25,000 per accident. In turn, Arizona drivers must carry a minimum bodily injury coverage of $25,000 per person, $50,000 per accident, and property damage liability of $15,000 per accident. All drivers must abide state minimum requirements.
In some states, particularly no-fault states, the minimum is much more far-reaching. For example, Kansas requires $25,000/$50,000 bodily injury or death per person/accident; $25,000 property damage; $25,000/$50,000 uninsured per person/accident; and $4,500 PIP.
Freeway has you covered for your state’s required minimum car insurance.
How Does a DUI Affect Rates for Pickup Drivers?
Any driver with a DUI on their driving record will pay higher rates, which may be double or triple your current premium, depending on the amount of time passed since prior DUIs/moving violations and other factors. Many insurers may flat-out refuse to offer it for high-risk drivers such as this, although Freeway does offer cheap DUI insurance.
With a DUI violation, expect high-risk driver classification, with rates affected for a minimum of three years. Depending on the state, you may also be required to file an SR-22, a proof of financial responsibility that lets the state know you meet its minimum liability requirements.
Another recommendation is to maintain a claims-free driving record for the next several years. Every state has a lookback period for second DUI offenses and subsequent offenders. Committing a second or third DUI in rapid succession will see longer license revocation periods, increased fines, and a possible jail term.
What Are Some Pickup Truck Discounts?
Truck drivers can lower rates with all types of discounts.
Discounts are awarded for everything from enrolling in defensive driving courses to prepaying your annual premium.
Expect to save as much as 25% on your premiums with a safe driver discount if you have an accident-free driving record with no claims or moving violations for the past three to five years. Insurers offer discounts for a variety of items, including:
- Smaller discounts for drivers generally factor in easier-to-achieve items, such as renewing before policy expiration and setting up automated payments from your checking account.
- Belonging to a specific demographic, such as a senior driver or a current or former military member.
- Bundling policies, such as home insurance with your auto coverage, can result in a substantial decrease in your premium.
To find out what discounts you may qualify for, you should call your provider every six months. Then, depending on the insurer, a simple phone call agreeing to bundle your homeowner’s and auto policy can cut a few dollars off your next bill.
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What Are Some of the Characteristics of the Ford F-Series Truck?
It is a full-size pickup truck. It comes with the choice of eight trims (XL, XLT, Lariat, King Ranch, Platinum, Limited, Tremor, and Raptor) and eight powertrain options, starting with a base 290-horsepower 3.3-liter V6.
The base model, an XL 2WD SuperCab 6.5′ Box, comes with a 290-horsepower 3.3L V6 PFDI engine with a max towing capacity of 5,000 pounds. Its EPA fuel economy estimates are 20 city mpg and 24 mpg highway.
Main competitors to the F-Series include the Toyota Tundra, Dodge Ram, GMC Sierra, Nissan Titan, and Chevrolet Silverado.
Find the Cheapest Car Insurance Rates Online for Your Truck Today
Let Freeway help you find the right policy for you, your family, and your Ford F-Series. Visit us for a fast and free car insurance quote online or call us at 800-777-5620 and we’ll be more than glad to provide you with a quote. You may also visit us at one of our locations.