Finding cheap coverage for a Ford F-150 in California hinges on a lot of rating criteria such as your gender, the size of your vehicle, and your choice of physical damage deductibles. Drivers pay around $1,007 a year to insure their F-150, but that price is a valuation using a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
This brings up the issue that more than likely you are not 50 and maybe not even a male, possibly single instead of married, or maybe you prefer to not insure for full coverage. Every driver’s needs are different, and that is why the only way to find the cheapest rates for your Ford is to just take the time to compare rates yourself. Comparing quotes is easy and you will be able to see rates from some of the best insurers around.
Vehicle trim level will most likely have an effect on the yearly cost, so the cost to insure a F-150 XL Regular Cab 2WD model will be $226 less than the insurance cost for the fancier 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 | $144 | $198 | $424 | $26 | $126 | $918 | $77 |
| F-150 STX Regular Cab 2WD | $144 | $252 | $424 | $26 | $126 | $972 | $81 |
| F-150 XL Super Cab 2WD | $144 | $252 | $424 | $26 | $126 | $972 | $81 |
| F-150 XLT Regular Cab 2WD | $144 | $252 | $424 | $26 | $126 | $972 | $81 |
| F-150 STX Super Cab 2WD | $144 | $252 | $424 | $26 | $126 | $972 | $81 |
| F-150 XL Crew Cab 2WD | $164 | $252 | $424 | $26 | $126 | $992 | $83 |
| F-150 XLT Super Cab 2WD | $164 | $252 | $424 | $26 | $126 | $992 | $83 |
| F-150 STX Regular Cab 4WD | $164 | $252 | $424 | $26 | $126 | $992 | $83 |
| F-150 XL Regular Cab 4WD | $164 | $252 | $424 | $26 | $126 | $992 | $83 |
| F-150 FX2 Super Cab 2WD | $164 | $252 | $424 | $26 | $126 | $992 | $83 |
| F-150 XLT Crew Cab 2WD | $164 | $252 | $424 | $26 | $126 | $992 | $83 |
| F-150 XL Super Cab 4WD | $164 | $252 | $424 | $26 | $126 | $992 | $83 |
| F-150 XLT Regular Cab 4WD | $164 | $252 | $424 | $26 | $126 | $992 | $83 |
| F-150 XL Crew Cab 4WD | $186 | $252 | $424 | $26 | $126 | $1,014 | $85 |
| F-150 STX Super Cab 4WD | $186 | $252 | $424 | $26 | $126 | $1,014 | $85 |
| F-150 XLT Super Cab 4WD | $186 | $252 | $424 | $26 | $126 | $1,014 | $85 |
| F-150 FX2 2WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 Lariat Super Cab 2WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 Lariat Crew Cab 2WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 FX4 Super Cab 4WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 XLT Crew Cab 4WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 FX4 4WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 Lariat Crew Cab 4WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 SVT Raptor Super Cab 4WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 Lariat Super Cab 4WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| F-150 Lariat Crew Cab Platinum 2WD | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| F-150 Lariat Crew Cab Harley 2WD | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| F-150 Lariat King Ranch 2WD | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| F-150 Lariat King Ranch 4WD | $206 | $362 | $424 | $26 | $126 | $1,144 | $95 |
| F-150 Lariat Crew Cab Harley 4WD | $206 | $362 | $424 | $26 | $126 | $1,144 | $95 |
| F-150 Lariat Crew Cab Platinum 4WD | $206 | $362 | $424 | $26 | $126 | $1,144 | $95 |
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price information does not factor in Sacramento location which can impact coverage rates considerably.
Finding out which companies have the most affordable auto insurance rates for a Ford F-150 takes more time than just comparing a company or two. Every insurance company has their own process to establish rates, so we will examine the auto insurance companies with the most affordable rates in Sacramento, CA.
It’s important to understand that Sacramento auto insurance rates are impacted by many things that will increase or decrease the price you pay. Simply having a birthday, buying a different home, or having an accident may generate price changes that can make some companies more affordable than the competition.
Cheap Insurance Rates for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Allied | $1,541 |
| 10 | Mercury | $1,548 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,733 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
| View More Rates Go | ||
USAA generally has some of the cheapest car insurance rates in Sacramento at around $1,121 a year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also are some of the cheapest Sacramento, CA insurance companies.
As shown above, if you buy coverage from Century National and switched to USAA, you may realize an annual premium reduction of roughly $93. Customers with CSAA could save as much as $101 a year, and 21st Century customers might lower prices by up to $245 a year.
To see how much you can save, click here to begin a quote or visit any of the low-priced companies below.
Remember that these premiums are averaged for all insureds and vehicles and and are not figured with a specific vehicle garaging location for a Ford F-150. So the car insurance company that has the lowest price for you may not even be in the top 24 companies shown above. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.
Liability only or full coverage
Lowering the price of auto insurance is probably important to most people, and one of the quickest ways to buy cheap insurance for a Ford F-150 is to only buy liability insurance. The diagram below illustrates the difference between yearly insurance costs with and without full coverage. The premiums are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are factored in.
Averaged for all ages 20 through 70, full coverage costs an additional $2,710 per year more than insuring for liability only. That brings up the question if full coverage is worth the money. There isn’t a written rule for dropping comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your vehicle’s replacement value is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,500 after paying your deductible. If it’s costing you more than $450 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Cautious Sacramento drivers save money
A great way to enjoy low auto insurance rates in California for a F-150 pickup is to drive safe and have a clean driving record. The example below demonstrates how citations and at-fault fender-benders can affect insurance rates for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
The data above shows the average cost of a car insurance policy in Sacramento per year with a clean driving record and no accidents is $1,814. Add in two speeding tickets and the average cost surges to $2,567, an increase of $754 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Ford F-150 goes up to an average of $5,526. That’s an increase of $3,712, or $309 per month, just for not maintaining a clean driving record!
The chart below highlights how deductible choice can raise or lower yearly insurance costs when searching for cheap insurance for a Ford F-150. The premium estimates are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could lower their policy premium by $382 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $578 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, could possibly save as much as $1,266 or even more just by choosing higher deductibles.
If you do decide to increase your deductibles, it is a good idea to have additional funds in a savings account to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.