Finding cheap auto insurance for a Ford F-150 in Colorado relies on a lot of rating factors such as how you use your vehicle, if you are a frequent claim filer, and your motor vehicle report. Drivers will pay on average $1,338 annually for F-150 insurance, but that figure is a projection based upon a 40-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 40-year-old female, you might be married instead of single, or maybe you want different physical damage deductibles. Every driver’s needs are different, and that is why the only way to find the cheapest rates for your Ford is to do a thorough rate comparison. It’s really quite easy you will receive prices from some of the best insurers that offer coverage in Colorado.
Find Cheaper Ford F-150 Insurance
The specific model of F-150 tends to impact the coverage cost, so the rate you will pay to insure a F-150 XL Regular Cab 2WD will be $376 cheaper than the price to insure the higher-end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $228 | $332 | $456 | $28 | $136 | $1,180 | $98 |
| F-150 STX Regular Cab 2WD | $228 | $424 | $456 | $28 | $136 | $1,272 | $106 |
| F-150 XL Super Cab 2WD | $228 | $424 | $456 | $28 | $136 | $1,272 | $106 |
| F-150 XLT Regular Cab 2WD | $228 | $424 | $456 | $28 | $136 | $1,272 | $106 |
| F-150 STX Super Cab 2WD | $228 | $424 | $456 | $28 | $136 | $1,272 | $106 |
| F-150 XL Crew Cab 2WD | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| F-150 XLT Super Cab 2WD | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| F-150 STX Regular Cab 4WD | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| F-150 XL Regular Cab 4WD | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| F-150 FX2 Super Cab 2WD | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| F-150 XLT Crew Cab 2WD | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| F-150 XL Super Cab 4WD | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| F-150 XLT Regular Cab 4WD | $260 | $424 | $456 | $28 | $136 | $1,304 | $109 |
| F-150 XL Crew Cab 4WD | $294 | $424 | $456 | $28 | $136 | $1,338 | $112 |
| F-150 STX Super Cab 4WD | $294 | $424 | $456 | $28 | $136 | $1,338 | $112 |
| F-150 XLT Super Cab 4WD | $294 | $424 | $456 | $28 | $136 | $1,338 | $112 |
| F-150 FX2 2WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 Lariat Super Cab 2WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 Lariat Crew Cab 2WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 FX4 Super Cab 4WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 XLT Crew Cab 4WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 FX4 4WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 Lariat Crew Cab 4WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 SVT Raptor Super Cab 4WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 Lariat Super Cab 4WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| F-150 Lariat Crew Cab Platinum 2WD | $294 | $608 | $456 | $28 | $136 | $1,522 | $127 |
| F-150 Lariat Crew Cab Harley 2WD | $294 | $608 | $456 | $28 | $136 | $1,522 | $127 |
| F-150 Lariat King Ranch 2WD | $294 | $608 | $456 | $28 | $136 | $1,522 | $127 |
| F-150 Lariat King Ranch 4WD | $328 | $608 | $456 | $28 | $136 | $1,556 | $130 |
| F-150 Lariat Crew Cab Harley 4WD | $328 | $608 | $456 | $28 | $136 | $1,556 | $130 |
| F-150 Lariat Crew Cab Platinum 4WD | $328 | $608 | $456 | $28 | $136 | $1,556 | $130 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific Denver garaging location which can alter auto insurance rates noticeably.
Finding dependable, cheap auto insurance is difficult, and determining which companies offer the most affordable auto insurance rates for a Ford F-150 will involve a little more work.
Every insurance provider has a unique formula to establish rates, so let’s begin by taking a look at the lowest cost auto insurance companies in Colorado. It’s important that you understand Denver, CO auto insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Simply turning a year older, buying another vehicle, or having an at-fault accident may cause policy rate changes that can make some companies cheaper than competitors.
Best Auto Insurance Prices for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $834 |
| 2 | Grange | $958 |
| 3 | USAA | $1,029 |
| 4 | Nationwide | $1,121 |
| 5 | Travelers | $1,183 |
| 6 | GEICO | $1,187 |
| 7 | Auto-Owners | $1,192 |
| 8 | State Farm | $1,259 |
| 9 | American Family | $1,301 |
| 10 | Amica | $1,353 |
| 11 | Progressive | $1,362 |
| 12 | Allied | $1,439 |
| 13 | California Casualty | $1,488 |
| 14 | Farmers | $1,581 |
| 15 | Colorado Farm Bureau | $1,592 |
| 16 | MetLife | $1,866 |
| 17 | Allstate | $2,076 |
| 18 | Encompass | $2,187 |
| 19 | Safeco | $2,472 |
| 20 | Titan | $2,711 |
| Quote Your Rates Go | ||
The Hartford offers some of the lowest car insurance rates in Denver at around $834 each year. This is $744 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers are also some of the best Denver, CO auto insurance companies.
In the above rates, if you have coverage with Grange and switched to The Hartford, you could realize annual savings of around $124. Colorado drivers with USAA might save as much as $195 a year, and Nationwide policyholders might reduce prices by as much as $287 a year.
To get a fast rate comparison, click here to start your free quote or quote rates from the companies below.
Remember that these premium estimates are averaged for all insureds and vehicles and and are not calculated with an exact location for a Ford F-150. So the car insurance company that has the cheapest rates for you may not even be in the list above. That point stresses why you need to get rate quotes from many companies using your own personal information and vehicle type.
The example below demonstrates how deductibles can affect insurance rates when getting quotes for cheap insurance for a Ford F-150. The costs are based on a married male driver, full coverage, and no other discounts are factored in.
A 30-year-old driver could reduce rates by $272 a year by changing from a $100 deductible to a $500 deductible, or save $412 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, could potentially save up to $814 or more just by choosing higher deductibles when buying full coverage. When using a larger deductible, it will now be necessary to have enough funds in savings to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
The importance of shopping around
Denver, CO auto insurance rates are influenced by many factors that can increase the policy price. Simply improving your credit, buying a home instead of renting, or getting a driving violation can trigger price changes that may make certain companies more affordable than the competition. Not only may your situation change, but insurers change the rates they charge in Colorado every year in order to remain profitable. A period of higher than normal claims may result in rate hikes, while lower claims can result in lower-priced F-150 insurance rates.
To illustrate this point, the bar chart below analyzes the cheapest car insurance in Denver, CO for a 35-year-old male driver with no prior claims, no tickets, and great credit. If we estimate prices based on his personal profile, The Hartford may offer the lowest car insurance rates in Denver at $1,102 annually. This is $476 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers are also on the list of the best Denver, CO auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a claim surcharge, poor credit, and an imperfect driving record. Since each auto insurance company uses their own method to determining premium rates, comparing insurance quotes will most likely result in a slightly different list of affordable companies as shown below.
Auto-Owners now has the lowest car insurance rate in Denver, CO with State Farm, American Family, Amica, and Progressive completing the list. This shows why it is so important to compare as many rates as possible to find the most affordable insurance quotes for a Ford F-150.
Insurance rates are impacted by many risk factors and can increase or decrease at any time, so the best option three years ago may now be an over-priced policy.