Buying economical insurance for a Ford F-150 in Arizona is pretty straightforward, but it relies on a large number of factors such as your gender, the likelihood of vehicle theft, and whether or not you are a good driver. Drivers in Arizona pay around $1,110 each year for F-150 insurance, but that figure is a projection using a 50-year-old single male driver with full coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, you might be married instead of single, and maybe your F-150 is older and does not require full coverage. Even a minor change in rating criteria or coverage limits could end up in a significant change in the price of a policy.
This example demonstrates why the only real way to find the most affordable coverage for your Ford is to do your own rate comparisons. Quotes only take a few minutes and you will get price quotes from top-rated companies that offer coverage in Arizona.
The trim level of your Ford tends to impact the cost of coverage, so the rate you pay to insure a F-150 XL Regular Cab 2WD trim level will be $342 lower than the cost to insure the higher-priced F-150 Lariat Crew Cab Platinum 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $194 | $308 | $338 | $20 | $102 | $962 | $80 |
| F-150 STX Regular Cab 2WD | $194 | $394 | $338 | $20 | $102 | $1,048 | $87 |
| F-150 XL Super Cab 2WD | $194 | $394 | $338 | $20 | $102 | $1,048 | $87 |
| F-150 XLT Regular Cab 2WD | $194 | $394 | $338 | $20 | $102 | $1,048 | $87 |
| F-150 STX Super Cab 2WD | $194 | $394 | $338 | $20 | $102 | $1,048 | $87 |
| F-150 XL Crew Cab 2WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| F-150 XLT Super Cab 2WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| F-150 STX Regular Cab 4WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| F-150 XL Regular Cab 4WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| F-150 FX2 Super Cab 2WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| F-150 XLT Crew Cab 2WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| F-150 XL Super Cab 4WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| F-150 XLT Regular Cab 4WD | $222 | $394 | $338 | $20 | $102 | $1,076 | $90 |
| F-150 XL Crew Cab 4WD | $250 | $394 | $338 | $20 | $102 | $1,104 | $92 |
| F-150 STX Super Cab 4WD | $250 | $394 | $338 | $20 | $102 | $1,104 | $92 |
| F-150 XLT Super Cab 4WD | $250 | $394 | $338 | $20 | $102 | $1,104 | $92 |
| F-150 FX2 2WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 Lariat Super Cab 2WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 Lariat Crew Cab 2WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 FX4 Super Cab 4WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 XLT Crew Cab 4WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 FX4 4WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 Lariat Crew Cab 4WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 SVT Raptor Super Cab 4WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 Lariat Super Cab 4WD | $250 | $480 | $338 | $20 | $102 | $1,190 | $99 |
| F-150 Lariat Crew Cab Platinum 2WD | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| F-150 Lariat Crew Cab Harley 2WD | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| F-150 Lariat King Ranch 2WD | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| F-150 Lariat King Ranch 4WD | $278 | $566 | $338 | $20 | $102 | $1,304 | $109 |
| F-150 Lariat Crew Cab Harley 4WD | $278 | $566 | $338 | $20 | $102 | $1,304 | $109 |
| F-150 Lariat Crew Cab Platinum 4WD | $278 | $566 | $338 | $20 | $102 | $1,304 | $109 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in vehicle location which can revise coverage rates substantially.
Finding good, reasonably-priced insurance is hard enough, and finding out which companies offer the lowest-priced auto insurance rates for a Ford F-150 takes even more rate comparisons. Every insurance provider has their own unique process for establishing rates, so let’s begin by examining the most budget-friendly auto insurance companies in Arizona.
It’s important that you understand Arizona auto insurance rates are impacted by many factors that may substantially change the cost of having a policy. This price variation is why Phoenix drivers need to do a thorough rate comparison when trying to find the lowest car insurance quotes for a Ford F-150. Insurance rates can be determined by many different factors and can change without notice, so the cheapest option three years ago may now be priced much higher than other options.
Cheap Insurance Rates for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | Ameriprise Group | $1,172 |
| 9 | Allied | $1,197 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | State Farm | $1,377 |
| 16 | Amica | $1,443 |
| 17 | Titan | $1,476 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,552 |
| View More Rates Go | ||
The Hartford may offer some of the cheapest car insurance rates in Phoenix at around $836 each year. This is $592 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the best Phoenix, AZ insurance companies.
In the above rates, if you currently have coverage with Travelers and switched to The Hartford, you could see yearly savings of upwards of $239. Insureds with USAA might save as much as $288 a year, and Progressive policyholders might cut rates by $294 a year.
Remember that these policy prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with an exact location for a Ford F-150. So the auto insurance company that can offer you the best rate may not even be in the top 28 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
Auto insurance rates are higher with tickets and accidents
The common sense way to obtain the cheapest auto insurance premiums in Arizona for a F-150 pickup is to drive attentively and maintain a clean driving record. The information below illustrates how speeding tickets and fender-benders can increase auto insurance costs for different age categories. The prices are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.
In the previous example, the average cost of car insurance in Arizona per year with no violations or accidents is $1,754. Factor in two speeding tickets and the average cost swells to $2,354, an increase of $599 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Ford F-150 increases to an average of $4,574. That’s an increase of $2,819, or $235 per month, just for not driving attentively!
The information below illustrates how choosing a deductible can change premium costs when trying to find cheap insurance for a Ford F-150. The information is based on a single female driver, comp and collision included, and no discounts are factored in.
In the chart above, a 50-year-old driver could lower their policy premium by $330 a year by increasing from a $100 deductible to a $500 deductible, or save $500 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save $844 annually by choosing a higher deductible. If you make the decision to raise deductibles, it’s a good idea to have spare funds to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find more affordable insurance for a Ford F-150
The list below shows some penny-pinching suggestions that can help you find cheap car insurance.
- Choose a safer vehicle and pay lower rates
- At-fault accidents will increase rates
- Claim-free policyholders usually earn a discount
- Avoid speeding and other traffic citations and pay less
- Buy your homeowners policy from the same company as your auto insurance
- Shop around for cheaper prices often
That last piece of advice is certainly valuable, as we discussed in this piece. Prices charged by auto insurers fluctuate considerably, so drivers shouldn’t hesitate to buy from a different company if you can save money.
Brand loyalty is great, but we do not recommend it if that loyalty results in overpaying potentially thousands of dollars a year. Now is a great time to compare rates to find cheaper auto insurance for a Ford F-150 in Phoenix.
If you wish to have some advice when trying to find lower insurance rates for a Ford F-150, the agents listed below can most likely aid you in deciding which policy is best. To find an agent nearest to you, click the button after the list or click here to get price quotes now.
- Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 - Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 - State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203