Finding cheap car insurance for a Ford F-150 depends on a large number of rating criteria such as whether you use your F-150 for business use, your residence address, and if you have a history of accidents. Indiana drivers pay on average $741 a year to insure their F-150, but that is an approximation calculated using a 50-year-old single female driver with full coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 50 years old and maybe not even female, maybe you are married instead of single, or maybe you just want different deductibles. This example demonstrates why the best way to find cheap car insurance rates for your Ford is to just compare rates yourself.

View Ford F-150 Insurance Rates

Your vehicle's trim level will likely have an effect on the cost of coverage, so the cost to insure a F-150 XL Regular Cab 2WD trim level will be $164 cheaper 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 Indiana
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $100 $146 $318 $18 $94 $676 $56
F-150 STX Regular Cab 2WD $100 $186 $318 $18 $94 $716 $60
F-150 XL Super Cab 2WD $100 $186 $318 $18 $94 $716 $60
F-150 XLT Regular Cab 2WD $100 $186 $318 $18 $94 $716 $60
F-150 STX Super Cab 2WD $100 $186 $318 $18 $94 $716 $60
F-150 XL Crew Cab 2WD $116 $186 $318 $18 $94 $732 $61
F-150 XLT Super Cab 2WD $116 $186 $318 $18 $94 $732 $61
F-150 STX Regular Cab 4WD $116 $186 $318 $18 $94 $732 $61
F-150 XL Regular Cab 4WD $116 $186 $318 $18 $94 $732 $61
F-150 FX2 Super Cab 2WD $116 $186 $318 $18 $94 $732 $61
F-150 XLT Crew Cab 2WD $116 $186 $318 $18 $94 $732 $61
F-150 XL Super Cab 4WD $116 $186 $318 $18 $94 $732 $61
F-150 XLT Regular Cab 4WD $116 $186 $318 $18 $94 $732 $61
F-150 XL Crew Cab 4WD $130 $186 $318 $18 $94 $746 $62
F-150 STX Super Cab 4WD $130 $186 $318 $18 $94 $746 $62
F-150 XLT Super Cab 4WD $130 $186 $318 $18 $94 $746 $62
F-150 FX2 2WD $130 $226 $318 $18 $94 $786 $66
F-150 Lariat Super Cab 2WD $130 $226 $318 $18 $94 $786 $66
F-150 Lariat Crew Cab 2WD $130 $226 $318 $18 $94 $786 $66
F-150 FX4 Super Cab 4WD $130 $226 $318 $18 $94 $786 $66
F-150 XLT Crew Cab 4WD $130 $226 $318 $18 $94 $786 $66
F-150 FX4 4WD $130 $226 $318 $18 $94 $786 $66
F-150 Lariat Crew Cab 4WD $130 $226 $318 $18 $94 $786 $66
F-150 SVT Raptor Super Cab 4WD $130 $226 $318 $18 $94 $786 $66
F-150 Lariat Super Cab 4WD $130 $226 $318 $18 $94 $786 $66
F-150 Lariat Crew Cab Platinum 2WD $130 $266 $318 $18 $94 $826 $69
F-150 Lariat Crew Cab Harley 2WD $130 $266 $318 $18 $94 $826 $69
F-150 Lariat King Ranch 2WD $130 $266 $318 $18 $94 $826 $69
F-150 Lariat King Ranch 4WD $144 $266 $318 $18 $94 $840 $70
F-150 Lariat Crew Cab Harley 4WD $144 $266 $318 $18 $94 $840 $70
F-150 Lariat Crew Cab Platinum 4WD $144 $266 $318 $18 $94 $840 $70
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can affect price quotes greatly.

Deciding which company offers the lowest-priced auto insurance rates for a Ford F-150 in Indiana will involve a tad more effort in order to find the lowest price quote. Every insurance company uses their own method to establish rates, so let's rank the auto insurance companies with the overall best prices in Indiana.

We do need to point out that Indiana auto insurance rates are impacted by many factors that may substantially change the price of your policy. Simply turning a year older, marrying your spouse, or having a fender bender may generate price changes that can make some companies more affordable than before.

Cheapest Insurance Rates for your F-150

Compare Rates and Save

Travelers normally has some of the lowest car insurance rates in Indiana at around $614 annually. USAA, Cincinnati Insurance, Erie, and Indiana Farmers Mutual also qualify as some of the best Indiana auto insurance companies.

As shown above, if you are a customer of Erie and switched to USAA, you could realize an annual premium reduction of around $44. Insureds with Indiana Farmers Mutual may save as much as $188 a year, and Western Reserve customers might lower prices by $203 a year.

If you want to find out if you're overpaying, click here to start your free quote or visit several of the following companies.

Understand that those prices are averages for all drivers and vehicles and and are not figured with a specific rating modification for a Ford F-150. So the insurer that is best for you may not even be in the top 36 companies shown above. That's why you need to get car insurance quotes using your own driver and vehicle profiles.

Full coverage rates compared to liability only

Saving on auto insurance is the goal of most vehicle owners, and one great way to find cheaper insurance for a Ford F-150 in Indiana is to only buy liability insurance. The example below illustrates the comparison of annual premium costs when comparing full coverage to liability only. The premiums assume no violations or accidents, $100 deductibles, marital status is single, and no policy discounts are applied.

Averaged for all age groups, physical damage coverage on your policy costs an additional $1,952 per year over and above liability only. That proposes the question if paying for full coverage is worth it. There is no set rule to eliminate full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's assume your vehicle's replacement value is $11,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $10,500 after paying the physical damage deductible. If premium cost is more than $1,050 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you haven't satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Responsible drivers pay cheaper Indiana auto insurance rates

The common sense way to earn the best auto insurance prices in Indiana for a F-150 pickup is to pay attention while driving and not receive tickets or have accidents. The information below illustrates how speeding tickets and at-fault fender-benders can affect car insurance rates for different insured age categories. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

In the previous example, the average cost of an auto insurance policy in Indiana per year with no accidents or violations is $1,419. Get two speeding tickets and the average cost swells to $1,869, an increase of $450 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Ford F-150 in Indiana increases to an average of $3,717. That's an increase of $2,298, or $192 per month, just for not keeping your driving record clean!

How to find low-cost auto insurance for a Ford F-150

It is possible to find better rates, and here are a few thrifty ideas that can help you locate lower-cost coverage.

The last suggestion is particularly critical, as we emphasized in the article above. Insurance prices fluctuate constantly, so don't be hesitant to change to a new company if a better rate can be found. Having a favorite company is fine, but it's not recommended if it's costing you thousands of dollars over the life of your policy. Take a few minutes and shop around and find cheaper auto insurance for a Ford F-150.