Buying the best cheap insurance for a Ford F-150 in Texas doesn’t take too much effort, but it depends on a lot of things such as your marital status, your geographic location, and your choice of physical damage deductibles. Drivers will pay on average $1,204 a year for F-150 insurance, but that amount is a valuation calculated using a 50-year-old married male driver with full physical damage coverage and $100 deductibles.
The problem with using this number is the good chance you’re not a 50-year-old male, possibly single instead of married, or maybe you prefer to not insure for full coverage. This shows why the way we recommend to find the cheapest insurance price for your Ford is to just compare rates yourself.
Cheapest Ford F-150 Insurance Rates
Your Ford’s trim level has an effect on the annual cost of coverage, so the rate you pay to insure a F-150 XL Regular Cab 2WD model will be $370 less expensive the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $222 | $324 | $366 | $22 | $110 | $1,044 | $87 |
| F-150 STX Regular Cab 2WD | $222 | $414 | $366 | $22 | $110 | $1,134 | $95 |
| F-150 XL Super Cab 2WD | $222 | $414 | $366 | $22 | $110 | $1,134 | $95 |
| F-150 XLT Regular Cab 2WD | $222 | $414 | $366 | $22 | $110 | $1,134 | $95 |
| F-150 STX Super Cab 2WD | $222 | $414 | $366 | $22 | $110 | $1,134 | $95 |
| F-150 XL Crew Cab 2WD | $256 | $414 | $366 | $22 | $110 | $1,168 | $97 |
| F-150 XLT Super Cab 2WD | $256 | $414 | $366 | $22 | $110 | $1,168 | $97 |
| F-150 STX Regular Cab 4WD | $256 | $414 | $366 | $22 | $110 | $1,168 | $97 |
| F-150 XL Regular Cab 4WD | $256 | $414 | $366 | $22 | $110 | $1,168 | $97 |
| F-150 FX2 Super Cab 2WD | $256 | $414 | $366 | $22 | $110 | $1,168 | $97 |
| F-150 XLT Crew Cab 2WD | $256 | $414 | $366 | $22 | $110 | $1,168 | $97 |
| F-150 XL Super Cab 4WD | $256 | $414 | $366 | $22 | $110 | $1,168 | $97 |
| F-150 XLT Regular Cab 4WD | $256 | $414 | $366 | $22 | $110 | $1,168 | $97 |
| F-150 XL Crew Cab 4WD | $288 | $414 | $366 | $22 | $110 | $1,200 | $100 |
| F-150 STX Super Cab 4WD | $288 | $414 | $366 | $22 | $110 | $1,200 | $100 |
| F-150 XLT Super Cab 4WD | $288 | $414 | $366 | $22 | $110 | $1,200 | $100 |
| F-150 FX2 2WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 Lariat Super Cab 2WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 Lariat Crew Cab 2WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 FX4 Super Cab 4WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 XLT Crew Cab 4WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 FX4 4WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 Lariat Crew Cab 4WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 SVT Raptor Super Cab 4WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 Lariat Super Cab 4WD | $288 | $504 | $366 | $22 | $110 | $1,290 | $108 |
| F-150 Lariat Crew Cab Platinum 2WD | $288 | $594 | $366 | $22 | $110 | $1,380 | $115 |
| F-150 Lariat Crew Cab Harley 2WD | $288 | $594 | $366 | $22 | $110 | $1,380 | $115 |
| F-150 Lariat King Ranch 2WD | $288 | $594 | $366 | $22 | $110 | $1,380 | $115 |
| F-150 Lariat King Ranch 4WD | $322 | $594 | $366 | $22 | $110 | $1,414 | $118 |
| F-150 Lariat Crew Cab Harley 4WD | $322 | $594 | $366 | $22 | $110 | $1,414 | $118 |
| F-150 Lariat Crew Cab Platinum 4WD | $322 | $594 | $366 | $22 | $110 | $1,414 | $118 |
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in vehicle location which can raise or lower prices considerably.
Finding out which companies offer the cheapest insurance rates for a Ford F-150 calls for a little more sweat than just comparing rates from one or two companies. Every auto insurer has a different process for filing rates in each state, so we’ll take a look at the insurance companies that tend to be cheaper in San Antonio.
It’s important to understand that San Antonio insurance rates are influenced by many factors that control your annual premium. Simply having a birthday, buying another vehicle, or getting a few speeding tickets can trigger price changes that may make certain companies more affordable than before.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Allstate | $1,667 |
| 12 | Amica | $1,705 |
| 13 | Progressive | $1,715 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
| Quote Your Rates Go | ||
Travelers normally has some of the best car insurance rates in San Antonio at around $1,021 a year. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the lowest-priced San Antonio, TX auto insurance companies.
In the above rates, if you are a policyholder with Germania Mutual and switched to Travelers, you might realize savings of around $235. Drivers with California Casualty could save as much as $375 a year, and Esurance insureds might cut rates by $400 a year.
To find cheaper insurance rates for your vehicle, click here to get quotes or visit any of the companies below.
Remember that these prices are averaged for all ages of drivers and types of vehicles and do not factor in a specific zip code for a Ford F-150. So the company that has the lowest price for you may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own driver information and specific vehicle type.
Reckless driving habits raise San Antonio insurance rates
In a perfect world, the ideal way to obtain affordable insurance rates in Texas for a F-150 pickup is to be a careful driver and avoid at-fault accidents and violations. The illustration below illustrates how violations and at-fault accidents can influence insurance costs for different age groups. The rate quotes are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
The chart shows that the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,787. Get written up for one speeding ticket and the average cost rises to $2,018, an increase of $231 each year. Then add two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford F-150 jumps again to an average of $4,223. That’s an increase of $2,436, or $203 per month, just for being a less-than-perfect driver!
Low rates today, overpriced tomorrow
San Antonio, TX insurance rates are based on many factors which can substantially decrease or increase the cost of coverage. Getting older, filing a claim, or getting a speeding ticket may cause policy rate changes that can now make some companies more affordable than competitors.
Also, companies modify pricing every year or even multiple times each year to reflect underwriting profits or losses. A period of increased losses can cause increased policy costs, while a lower level of claims can result in more affordable F-150 insurance rates.
To illustrate this example, the data below compares the cheapest car insurance in San Antonio, TX for a 35-year-old female driver with a clear driving record, no claims, and a good credit rating. If we compare prices based on her personal risk profile, Travelers quotes the lowest car insurance rates in San Antonio at $1,146 per year. This is $758 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the best San Antonio, TX auto insurance companies.
Now we will pretend the driver from the first rate comparison a claim, a lower credit rating, and a speeding citation. Because each insurer has their own process to set premium rates, comparing rates could result in a significantly different list of affordable San Antonio car insurance companies as shown below.
Mercury now has the cheapest auto insurance in San Antonio, TX with State Farm, USAA, Nationwide, and Safe Auto completing the list. This shows why San Antonio drivers need to shop around with many companies to find cheap car insurance quotes for a Ford F-150. Auto insurance prices are made up of many risk factors and can increase or decrease at any time, so the lowest-price company three years ago may now be one of the higher cost companies.