Who Has Affordable Auto Insurance for a Ford F-150 in Irvine?

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Ford F-150 insurance policy
Ford F-150 insurance policy image courtesy of QuoteInspector.com

Buying economical coverage for a Ford F-150 depends on a whole bunch of rating criteria such as miles driven annually, the condition of your credit, and any past driving violations you may have had. Drivers in California will pay around $1,530 per year for F-150 insurance, but that figure is a projection calculated using a 40-year-old married male driver with full physical damage coverage and $100 deductibles.

But there is a good chance that you may not be 40 years old (or even male), you might be single instead of married, or maybe you need higher liability limits than the state minimum. Having what appears to be a very minor change in the factors used in pricing a policy may result in significant differences in how much coverage for a Ford F-150 costs.

Everone's needs are different, and this illustrates why the way we recommend to find the most affordable coverage for your Ford is to put in the effort to do a thorough rate comparison. Quotes only take a couple of minutes and you will receive prices from some of the most affordable companies in California.

Find Cheaper Ford F-150 Insurance

The specific model of F-150 will influence the coverage cost, so the price you will be charged to insure a F-150 XL Regular Cab 2WD will be $472 lower than the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD version, as shown below.

Ford F-150 Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $302 $406 $456 $26 $136 $1,326 $111
F-150 STX Regular Cab 2WD $302 $520 $456 $26 $136 $1,440 $120
F-150 XL Super Cab 2WD $302 $520 $456 $26 $136 $1,440 $120
F-150 XLT Regular Cab 2WD $302 $520 $456 $26 $136 $1,440 $120
F-150 STX Super Cab 2WD $302 $520 $456 $26 $136 $1,440 $120
F-150 XL Crew Cab 2WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XLT Super Cab 2WD $346 $520 $456 $26 $136 $1,484 $124
F-150 STX Regular Cab 4WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XL Regular Cab 4WD $346 $520 $456 $26 $136 $1,484 $124
F-150 FX2 Super Cab 2WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XLT Crew Cab 2WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XL Super Cab 4WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XLT Regular Cab 4WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XL Crew Cab 4WD $390 $520 $456 $26 $136 $1,528 $127
F-150 STX Super Cab 4WD $390 $520 $456 $26 $136 $1,528 $127
F-150 XLT Super Cab 4WD $390 $520 $456 $26 $136 $1,528 $127
F-150 FX2 2WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Super Cab 2WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Crew Cab 2WD $390 $632 $456 $26 $136 $1,640 $137
F-150 FX4 Super Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 XLT Crew Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 FX4 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Crew Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 SVT Raptor Super Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Super Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Crew Cab Platinum 2WD $390 $744 $456 $26 $136 $1,752 $146
F-150 Lariat Crew Cab Harley 2WD $390 $744 $456 $26 $136 $1,752 $146
F-150 Lariat King Ranch 2WD $390 $744 $456 $26 $136 $1,752 $146
F-150 Lariat King Ranch 4WD $436 $744 $456 $26 $136 $1,798 $150
F-150 Lariat Crew Cab Harley 4WD $436 $744 $456 $26 $136 $1,798 $150
F-150 Lariat Crew Cab Platinum 4WD $436 $744 $456 $26 $136 $1,798 $150
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can lower or raise rates considerably.

Establishing which insurers offer the cheapest car insurance rates for a Ford F-150 will require a little more effort in order to find the lowest price. Every insurance company has a different formula for determining prices, so let's take a look at the most competitive car insurance companies in California.

Keep in mind that California car insurance rates are impacted by many factors which can substantially change the cost of having a policy. Turning one year older, increasing liability limits, or getting a ticket for careless driving can cause premium changes resulting in some rates now being affordable when they were higher priced.

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,181
3 Century National $1,214
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,491
8 GEICO $1,529
9 Allied $1,541
10 Allstate $1,543
11 Mercury $1,548
12 Progressive $1,558
13 The Hartford $1,575
14 MetLife $1,638
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,733
18 Travelers $1,788
19 Bristol West $1,849
20 Farmers $1,946
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USAA quotes some of the most affordable car insurance rates in Irvine at around $1,155 per year. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the more affordable Irvine, CA insurance companies.

As the rates illustrate above, if you are insured with Nationwide and switched to Wawanesa, you could realize a yearly price reduction of in the vicinity of $69. California drivers with 21st Century might save as much as $185 a year, and Grange customers might reduce rates by $310 a year.

Be aware that those rates are averages across all insureds and vehicles and and are not figured with a specific vehicle garaging location for a Ford F-150. So the auto insurance company that fits your needs best may not even be in the top 24 companies shown above. That illustrates why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Full coverage versus liability only rates

Finding cheaper car insurance is probably important to most vehicle owners, and one of the easiest ways to buy cheap insurance for a Ford F-150 is to only buy liability insurance. The information below visualizes the comparison of insurance premiums with full coverage and liability only. The information is based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are factored in.

As an average for all age groups, physical damage coverage on your policy costs an additional $2,798 per year more than just buying liability insurance. That amount may make you wonder if buying full coverage is a good investment. There is no set guideline to drop physical damage insurance, but there is a general convention. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

The chart below illustrates how your choice of deductibles can raise or lower premium costs when trying to find cheap insurance for a Ford F-150. The information is based on a married female driver, full coverage, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could save $372 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $564 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices up to $930 or more just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it's a good idea to have additional funds in a savings account to satisfy the extra out-of-pocket expense that is associated with using high deductibles.

Ideas for buying budget-friendly insurance for a Ford F-150

It's not impossible to find cheaper rates, and here are some thrifty solutions that can help drivers get more affordable car insurance.

The last suggestion is very valuable, as we pointed out in the article above. Prices charged by auto insurers fluctuate considerably, so you should be ready to switch companies if a lower-cost policy is available. We understand brand loyalty, but is isn't recommended if that loyalty results in overpaying a wad of cash every year. Spend a few minutes and compare rates to find cheaper insurance for a Ford F-150 in Irvine.

The insurance agents in Irvine listed below can help you decide which coverages you need, since some drivers aren't sure which coverage they need and prefer to have the advice of a professional agent when buying car insurance for a Ford F-150. It can be difficult to find the cheapest rates, so a professional agent can give satisfaction knowing your policy gives you adequate coverage if you have an accident or claim. To find an agent by location nearest to you, click the link at the bottom or click here to compare price quotes now.

Isu Insurance Services Irvine
18022 Cowan Ste 225 - Irvine, CA 92614 - (949) 419-2100

First American Property and Casualty Insurance Agency, Inc.
24 Executive Park Suite 250 - Irvine, CA 92614 - (888) 546-5118

Willis Insurance Services of CA Inc
18101 Von Karman Ave # 600 - Irvine, CA 92612 - (949) 885-1200

California Agency Insurance
17632 Irvine Blvd # 235 - Tustin, CA 92780 - (714) 731-8300

More Irvine, CA insurance agents