Who Has Cheap Auto Insurance for a Ford F-150 in Austin?

Buying affordable insurance for a Ford F-150 in Texas doesn’t take a lot of effort, but it is dependent upon a lot of different factors such as whether you are married, the performance level of your vehicle, and citations on your driving record. Texas drivers will pay around $1,179 each year to insure their F-150, but that cost is an approximation using a 50-year-old married female driver with full coverage and $100 deductibles.

When projecting a rate like this, the problem is that you are not 50 and maybe not even a female, you might be single instead of married, or maybe you just want liability only instead of full coverage. Having what appears to be a very minor change in policy rating criteria or coverages could result in a significant change in the amount insurance costs for a Ford F-150.

Everone’s needs are different, and this illustrates why the only way to find the most affordable coverage for your Ford is to do the rate comparisons yourself.

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The specific trim level will most likely have an effect on the insurance rate, so the rate you pay to insure a F-150 XL Regular Cab 2WD trim level will cost $362 less than the cost to insure the higher-priced F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.

Ford F-150 Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $220 $316 $358 $22 $108 $1,024 $85
F-150 STX Regular Cab 2WD $220 $404 $358 $22 $108 $1,112 $93
F-150 XL Super Cab 2WD $220 $404 $358 $22 $108 $1,112 $93
F-150 XLT Regular Cab 2WD $220 $404 $358 $22 $108 $1,112 $93
F-150 STX Super Cab 2WD $220 $404 $358 $22 $108 $1,112 $93
F-150 XL Crew Cab 2WD $252 $404 $358 $22 $108 $1,144 $95
F-150 XLT Super Cab 2WD $252 $404 $358 $22 $108 $1,144 $95
F-150 STX Regular Cab 4WD $252 $404 $358 $22 $108 $1,144 $95
F-150 XL Regular Cab 4WD $252 $404 $358 $22 $108 $1,144 $95
F-150 FX2 Super Cab 2WD $252 $404 $358 $22 $108 $1,144 $95
F-150 XLT Crew Cab 2WD $252 $404 $358 $22 $108 $1,144 $95
F-150 XL Super Cab 4WD $252 $404 $358 $22 $108 $1,144 $95
F-150 XLT Regular Cab 4WD $252 $404 $358 $22 $108 $1,144 $95
F-150 XL Crew Cab 4WD $284 $404 $358 $22 $108 $1,176 $98
F-150 STX Super Cab 4WD $284 $404 $358 $22 $108 $1,176 $98
F-150 XLT Super Cab 4WD $284 $404 $358 $22 $108 $1,176 $98
F-150 FX2 2WD $284 $492 $358 $22 $108 $1,264 $105
F-150 Lariat Super Cab 2WD $284 $492 $358 $22 $108 $1,264 $105
F-150 Lariat Crew Cab 2WD $284 $492 $358 $22 $108 $1,264 $105
F-150 FX4 Super Cab 4WD $284 $492 $358 $22 $108 $1,264 $105
F-150 XLT Crew Cab 4WD $284 $492 $358 $22 $108 $1,264 $105
F-150 FX4 4WD $284 $492 $358 $22 $108 $1,264 $105
F-150 Lariat Crew Cab 4WD $284 $492 $358 $22 $108 $1,264 $105
F-150 SVT Raptor Super Cab 4WD $284 $492 $358 $22 $108 $1,264 $105
F-150 Lariat Super Cab 4WD $284 $492 $358 $22 $108 $1,264 $105
F-150 Lariat Crew Cab Platinum 2WD $284 $580 $358 $22 $108 $1,352 $113
F-150 Lariat Crew Cab Harley 2WD $284 $580 $358 $22 $108 $1,352 $113
F-150 Lariat King Ranch 2WD $284 $580 $358 $22 $108 $1,352 $113
F-150 Lariat King Ranch 4WD $318 $580 $358 $22 $108 $1,386 $116
F-150 Lariat Crew Cab Harley 4WD $318 $580 $358 $22 $108 $1,386 $116
F-150 Lariat Crew Cab Platinum 4WD $318 $580 $358 $22 $108 $1,386 $116
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in specific zip code location which can modify coverage prices substantially.

Shopping around for low-cost insurance is challenging, and deciding which company quotes the most affordable insurance rates for a Ford F-150 takes a little more work. Every insurance company has a unique approach to set policy rates, so first let’s look at the rankings for the insurance companies with the overall best prices in Texas.

It’s important to understand that Austin insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Things like getting older, having a teen driver, or getting into an accident can produce rate changes resulting in some rates now being more affordable than others.

Cheap Insurance Rates for your F-150

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Rankings for the cheapest car insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Germania Mutual $1,244
4 Texas Farm Bureau $1,247
5 California Casualty $1,396
6 Esurance $1,407
7 State Farm $1,450
8 Mercury $1,461
9 Safe Auto $1,565
10 Nationwide $1,585
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,775
14 GEICO $2,072
15 Home State $2,155
16 MetLife $2,161
17 Unitrin $2,241
18 Encompass $2,324
19 21st Century $2,421
20 Titan $2,568
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Travelers quotes some of the lowest car insurance rates in Austin at around $1,010 each year. USAA, Germania Mutual, Texas Farm Bureau, and California Casualty would also be considered some of the cheaper Austin, TX auto insurance companies.

In the above rates, if you buy coverage from California Casualty and switched to USAA, you may see yearly savings of upwards of $312. Insureds with Esurance could save as much as $323 a year, and State Farm insureds might lower prices by up to $366 a year.

It’s important to note that these premiums are averages for all types of insureds and vehicles and and are not figured with an exact zip code location for a Ford F-150. So the insurer that has the cheapest price for you may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

The chart below shows how choosing a deductible can affect insurance costs when trying to find cheap insurance for a Ford F-150. The rates are based on a single male driver, full coverage, and no policy discounts are applied.

As shown above, a 50-year-old driver could lower rates by $314 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $472 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, could lower their rates $1,026 or more by choosing a larger deductible amount.

If you do raise deductibles, it will now be necessary to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Does it make sense to buy full coverage?

Saving on insurance is important to the majority of drivers, and one easy way to pay less for insurance for a Ford F-150 is to not buy full coverage. The chart below illustrates the difference between yearly insurance costs when comparing full coverage to liability only. The costs are based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

If we average the cost for all age groups, comp and collision coverage costs an extra $1,991 per year over having just liability coverage. That is a large expense and it proposes the question if paying for full coverage is worth it. There is no definitive formula to delete comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

Get discount Austin car insurance

Insurance for a F-150 pickup in Austin, TXAuto insurance companies that offer coverage for a Ford F-150 may also offer price discounts that could potentially reduce rates by as much as 35% or more if you qualify. A few popular companies and some of the discounts can be found below.

The illustration below illustrates the difference between car insurance rates with and without discounts. The data is based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, vehicle safety, anti-theft, passive restraint, multiple policy, and multiple vehicle discounts applied. When discounts are factored in, the average amount saved each year on insurance for a Ford F-150 is 28% or $601.