Buying the best cheap car insurance for a Ford F-150 in Texas hinges on a pretty complex algorithm that uses a lot of factors such as whether you are a homeower, if you have a tendency to file claims, and any prior driving offenses. Drivers in Texas pay on average $1,095 each year to insure their F-150, but that cost is a valuation based on a 40-year-old married female driver with full coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 40-year-old female, maybe you are single instead of married, and you might want liability-only or different deductibles. Insurance is an individual thing, so the only real way to find the cheapest insurance price for your Ford is to just take the time to compare rates yourself. Get your free quotes now and you can get rates from the best companies in Texas.
Your Ford’s trim level tends to impact the insurance rate, so the rate you pay to insure a F-150 XL Regular Cab 2WD trim level will be $288 less expensive the cost to insure the more costly F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $180 | $252 | $400 | $24 | $120 | $976 | $81 |
| F-150 STX Regular Cab 2WD | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| F-150 XL Super Cab 2WD | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| F-150 XLT Regular Cab 2WD | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| F-150 STX Super Cab 2WD | $180 | $322 | $400 | $24 | $120 | $1,046 | $87 |
| F-150 XL Crew Cab 2WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XLT Super Cab 2WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 STX Regular Cab 4WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XL Regular Cab 4WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 FX2 Super Cab 2WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XLT Crew Cab 2WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XL Super Cab 4WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XLT Regular Cab 4WD | $206 | $322 | $400 | $24 | $120 | $1,072 | $89 |
| F-150 XL Crew Cab 4WD | $232 | $322 | $400 | $24 | $120 | $1,098 | $92 |
| F-150 STX Super Cab 4WD | $232 | $322 | $400 | $24 | $120 | $1,098 | $92 |
| F-150 XLT Super Cab 4WD | $232 | $322 | $400 | $24 | $120 | $1,098 | $92 |
| F-150 FX2 2WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Super Cab 2WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Crew Cab 2WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 FX4 Super Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 XLT Crew Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 FX4 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Crew Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 SVT Raptor Super Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Super Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| F-150 Lariat Crew Cab Platinum 2WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| F-150 Lariat Crew Cab Harley 2WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| F-150 Lariat King Ranch 2WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| F-150 Lariat King Ranch 4WD | $258 | $462 | $400 | $24 | $120 | $1,264 | $105 |
| F-150 Lariat Crew Cab Harley 4WD | $258 | $462 | $400 | $24 | $120 | $1,264 | $105 |
| F-150 Lariat Crew Cab Platinum 4WD | $258 | $462 | $400 | $24 | $120 | $1,264 | $105 |
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in zip code location which can affect price quotes greatly.
Finding out which company quotes the cheapest auto insurance rates for a Ford F-150 will involve a tad more effort in order to find the most economical policy. Every insurance provider has their own process for establishing rates, so we need to take a look at the auto insurance companies that tend to be cheaper in Laredo, TX.
It’s important that readers know that Texas auto insurance rates are impacted by many factors which can substantially change the policy premium. Improving your credit rating, buying a home, or getting into an accident can cause premium changes that can cause some rates to be more affordable than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,183 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,594 |
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Travelers may offer some of the lowest car insurance rates in Laredo at around $1,052 annually. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the more affordable Laredo, TX insurance companies.
As shown in the table above, if you buy coverage from Esurance and switched to USAA, you could see an annual savings of approximately $262. Texas drivers with California Casualty might save as much as $307 a year, and State Farm insureds might cut rates by $378 a year.
To see how much you can save, click here to start a quote or visit several of the following companies.
Understand that those premiums are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for a Ford F-150. So the insurer that can offer you the lowest price may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
Accidents and violations increase rates
One of the best ways to maintain the best auto insurance rates in Laredo for a F-150 pickup is to drive carefully and avoid tickets and accidents. The diagram below demonstrates how speeding tickets and accident claims can influence insurance premiums for different age groups. The information is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
In the prior example, the average cost of an auto insurance policy in Laredo per year with no accidents and a clean driving record is $1,545. Receive one speeding ticket and the average cost surges to $1,779, an increase of $234 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for a Ford F-150 increases to an average of $3,992. That’s an increase of $2,447, or $204 per month, just for being a careless driver!
Why you should be shopping around
Laredo, TX auto insurance rates are impacted by many factors that control your annual premium. Simply having a birthday, getting divorced, or getting into an accident can trigger rate changes that can cause some rates to be affordable when they were higher priced. Not only may your situation change, but companies amend pricing as often as every quarter as an adjustment for underwriting gains or losses. Heavy losses can cause more expensive prices, while a lower level of claims may produce more affordable F-150 insurance rates.
The bar chart below compares the cheapest car insurance in Laredo, TX for a 40-year-old male driver with no prior claims, no tickets, and a good credit rating. When comparing rates based on his personal risk profile, Travelers may offer the cheapest car insurance rates in Laredo at $1,296 each year. This is $608 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the list of the most affordable Laredo, TX auto insurance companies.
Now we will give the driver from above a chargeable accident, a lower credit rating, and a speeding citation. Due to the fact that every auto insurer uses a different method for determining rates in each state, comparing prices could now result in a different list of affordable Laredo car insurance companies as shown below.
State Farm now has the best price on car insurance in Laredo, TX with Mercury, USAA, Nationwide, and Safe Auto completing the list. This demonstrates why it is critical to perform a complete rate comparison when trying to find the most economical insurance quotes for a Ford F-150.
Prices are made up of many things and change frequently, so the most economical company when you last compared rates may now cost much more than other companies.
If you have questions and prefer to get some professional advice when trying to find lower insurance rates for a F-150 pickup, the agents shown below can probably help you make a decision which coverage fits your budget.
To locate a Laredo car insurance agency near you, click the button below the list or click here to compare prices now.
Zimmerman Insurance
3515 N Arkansas Ave #107 – Laredo, TX 78043 – (956) 796-1115
Pena Insurance
220 W Hillside Rd # 11 – Laredo, TX 78041 – (956) 724-9004
Henri D Kahn Insurance
112 Del Ct – Laredo, TX 78041 – (800) 701-5909
Find a Laredo, TX insurance agent near you
Ideas to find economical car insurance for a Ford F-150
It is possible to find better rates, and here are many thrifty ideas that can help Texas drivers quote low-cost auto insurance.
- Higher credit ratings may save you money
- Avoid having at-fault accidents
- Safer vehicles generally have cheaper insurance rates
- Do not get tickets or violations
- Don’t have frequent claims
- Look for cheaper rates once a year by shopping around
The final tip is particularly crucial, as we stressed in this piece. Prices charged by companies in Laredo adjust often, so don’t be unwilling to switch companies if you can save money.
Being loyal to a particular company is commendable, but is isn’t recommended if that faithfulness ends up costing you a lot of money every month. In just a couple of minutes you could compare rates to find cheaper car insurance for a Ford F-150.