Who Has Affordable Auto Insurance for a Ford F-150 in Plano?

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Finding competitive auto insurance for a Ford F-150 depends on a whole bunch of rating criteria such as when you were born, your credit rating, and physical damage deductibles. Texas drivers pay on average $1,204 each year to insure their F-150, but that figure is an estimation calculated using a 50-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.

The issue that arises when projecting rates is that it's very likely that you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you prefer liability limits higher than required by Texas state law. Each driver's needs are different, and that demonstrates why the only way to find cheap insurance rates for your Ford is to just take the time to compare rates yourself. Rate quotes are easy and you will be able to compare rates from some of the best insurers around.

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The specific trim level will be a contributing factor to the cost of coverage, so the price to insure a F-150 XL Regular Cab 2WD will be $370 cheaper than the cost to insure the higher-priced F-150 Lariat Crew Cab Platinum 4WD version, as shown in the table below.

Ford F-150 Insurance Rates in Plano, TX
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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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific garaging location which can impact price quotes greatly.

Plano car insurance companies ranked

Finding the highest-rated insurance provider can be challenging considering how many choices you have in Texas. The company ratings shown next may help you pick which coverage providers to look at when shopping your coverage around.

These ratings only include the largest companies in the United States, so smaller companies that only insure vehicles in Texas are not included in this list. To get price quotes from many more Texas auto insurance companies, click here.

Top 10 Large Auto Insurance Providers in Plano Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Large Auto Insurance Providers in Plano Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Full coverage or liability only

Saving on car insurance is important to most vehicle owners, and a great way to find cheaper insurance for a Ford F-150 is to not buy comprehensive and collision coverage. The diagram below compares premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are applied.

If all age groups are averaged, physical damage insurance costs $2,641 per year more than carrying just liability coverage. Many of you may wonder when is it a good idea to stop buying full coverage. There is no set guideline to drop physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your vehicle's replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your policy deductible. If it's costing you more than $500 annually for comprehensive and collision coverage, then you might consider buying liability only.

Get discount Plano insurance rates

Car insurance for a F-150 pickup in Plano, TXCar insurance companies that offer cheap quotes for a Ford F-150 may also provide rate discounts that can lower rates by 35% or more if you meet certain criteria. Large car insurance companies and their possible discounts are shown below.

The example below illustrates the difference between auto insurance rates with and without some available policy discounts. The costs are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, vehicle safety, passive restraint, defensive driving course, homeowner, and multiple policy discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for a Ford F-150 is 28% or $628.

The diagram below highlights how deductible choice can raise or lower premium costs when getting quotes for cheap insurance for a Ford F-150. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The chart above illustrates that a 40-year-old driver could pocket $328 a year by changing from a $100 deductible up to a $500 deductible, or save $498 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could lower their rates up to $818 or even more just by using higher deductibles. If you do make the decision to raise your deductibles, it's a good idea to have spare funds to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

If you aren't sure which coverage you need and prefer to get help from a professional when trying to find the best insurance rates for a Ford F-150, the insurance agencies below can probably help you determine which car insurance policy is best.

To locate a Plano car insurance agency closest to you, click the button at the bottom or click here to compare price quotes now.

View map of Plano, TX insurance agents