Finding competitive auto insurance for a Ford F-150 in Texas is dependent upon a very complex rating algorithm that uses multiple factors such as whether you use your F-150 for business use, whether you are claim-free, and citations on your driving record. Drivers in Texas pay approximately $1,179 per year to insure their F-150, but that amount is based on a 50-year-old married female driver with full coverage and $100 deductibles.
There’s a high likelihood you’re not a 50-year-old female, possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Every driver’s needs are different, and that is why the best method for finding affordable rates for your Ford is to compare as many rates as you can.
The trim level of your F-150 will have an impact the annual cost of coverage, so the price to insure a F-150 XL Regular Cab 2WD model will be $362 cheaper than the cost to insure the more well-appointed F-150 Lariat Crew Cab Platinum 4WD version, as shown by the rates below.
|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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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific location which can modify prices considerably.
Establishing which company has the best insurance rates for a Ford F-150 requires a little more effort in order to find the best policy.
Every car insurance company has their own unique process to establish rates, so let’s take a look at the overall cheapest insurance companies in Corpus Christi, TX.
Best Car Insurance Prices for your F-150
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers has some of the most affordable car insurance rates in Corpus Christi at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Corpus Christi, TX car insurance companies.
In the rate table above, if you are a customer of Germania Mutual and switched to Travelers, you may see a yearly savings of approximately $203. Policyholders with Esurance may save as much as $380 a year, and California Casualty customers might see rate reductions of $397 a year.
Be aware that those policy prices are averaged across all insureds and vehicles and do not take into consideration an exact zip code location for a Ford F-150. So the car insurance company that can offer you the lowest price may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.
Types of discounts on Corpus Christi insurance rates
Insurers that offer cheap quotes for a Ford F-150 may provide policy discounts that could potentially reduce rates by 40% or more if you can meet the requirements. Popular insurance companies and their offered discounts include:
- State Farm may have discounts that include Steer Clear safe driver discount, driver’s education, defensive driving training, passive restraint, Drive Safe & Save, and accident-free.
- American Family has savings for multi-vehicle, TimeAway discount, Steer into Savings, accident-free, and bundled insurance.
- AAA discounts include good driver, multi-policy, pay-in-full, AAA membership discount, education and occupation, good student, and anti-theft.
- GEICO may offer discounts for federal employee, emergency military deployment, air bags, defensive driver, multi-policy, anti-lock brakes, and seat belt use.
- Mercury Insurance includes discounts for professional/association, annual mileage, low natural disaster claims, location of vehicle, and good driver.
- Farmers Insurance offers discounts including early shopping, distant student, electronic funds transfer, mature driver, multi-car, alternative fuel, and business and professional.
- Progressive may include discounts for online quote discount, homeowner, good student, multi-policy, online signing, continuous coverage, and multi-vehicle.
The diagram below illustrates the comparison of annual premium costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, claim-free, passive restraint, anti-theft, multiple vehicle, and vehicle safety discounts applied. When discounts are applied, theaverage yearly reduction on insurance for a Ford F-150 is 28% or $570.
The illustration below highlights how deductible choice can influence insurance rates when researching cheap insurance for a Ford F-150. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
The data above shows that a 30-year-old driver could pocket $376 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $568 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could shave as much as $802 or even more just by choosing higher deductibles.
If you do make the decision to raise your deductibles, it will now be necessary to have plenty of discretionary funds to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Compare rates to save
Texas insurance rates are determined by lots of factors that control the cost of a policy. Simply getting older, having a claim, or getting a speeding ticket may generate price changes resulting in some rates now being more affordable than others. Additionally, auto insurance companies change the rates they charge in Texas at least once a year in order to protect their financial rating. An extended period of higher than normal claims can result in high rates, while profitable underwriting can cause lower-priced F-150 insurance rates.
The bar chart below shows the company with the cheapest car insurance in Corpus Christi, TX for a 35-year-old female driver with no prior claims, no tickets, and a high credit rating. If we estimate rates based on her personal profile, Travelers has the most affordable car insurance rates in Corpus Christi at $1,168 each year. This is $736 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the most affordable Corpus Christi, TX auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart an accident claim, poor credit, and a blemish on her driving record. Since each auto insurance company has their own guidelines to set policy rates, analyzing rate quotes most likely will result in a different list of cheap Corpus Christi auto insurance companies as shown below.
State Farm now has the best insurance rate in Corpus Christi, TX with Mercury, Safe Auto, Nationwide, and USAA also having competitive pricing. This demonstrates why consumers need to compare many different companies to get the most budget-friendly car insurance rates for a Ford F-150. Car insurance prices consist of many risk factors and can increase or decrease at any time, so the lowest-price company when you last compared rates may now cost much more than other companies.
If you wish to get some guidance when shopping for the best coverage for a Ford F-150, the insurance agencies below can probably aid you in deciding which insurance coverage will be best for you. To find a Corpus Christi insurance agency using an interactive map, click the button following the list or click here to compare price quotes now.
Heavin and Associates Insurance Agency
4717 Gollihar Rd – Corpus Christi, TX 78411 – (361) 852-8005
14602 Compass St a – Corpus Christi, TX 78418 – (361) 949-6787
Allstate Insurance: Donald Morrison
4535 S Padre Island Dr Ste 37 – Corpus Christi, TX 78411 – (361) 854-2383
How to find economical auto insurance for a Ford F-150
It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help you locate more affordable auto insurance.
- Lower rates by purchasing a safer vehicle
- Having too many claims will increase rates substantially
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Buying home and auto insurance together can earn discounts
- Remain accident-free and save
- Compare rates often to find the best deal
The last tip is remarkably important, as we stressed in this piece. Prices change constantly, so drivers shouldn’t hesitate to switch companies if a cheaper rate is available. Brand loyalty is great, but it isn’t a good idea if that loyalty results in overpaying a small fortune year after year. It takes less than five minutes to compare rates to find cheaper car insurance for a Ford F-150 in Corpus Christi.