Buying economical car insurance for a Ford F-150 in North Carolina can be pretty simple, but it is dependent upon a large number of factors such as miles driven annually, whether or not you have prior claims, and driving violations and tickets. Drivers pay around $1,019 a year to insure their F-150, but that cost is an estimate calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
There’s a good chance you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Having just a slight change in rating factors or requested coverage amount can result in a large change in how much insurance for a Ford F-150 costs.
The different assumptions illustrate why the way we recommend to find cheap car insurance rates for your Ford is to do your own rate comparisons. Get your free quotes now and you can get rates from the cheapest companies that offer coverage in North Carolina.
The trim level of your Ford impacts the cost of coverage, so the rate you pay to insure a F-150 XL Regular Cab 2WD will be $320 cheaper than the cost to insure the more costly F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $182 | $286 | $302 | $18 | $90 | $878 | $73 |
| F-150 STX Regular Cab 2WD | $182 | $366 | $302 | $18 | $90 | $958 | $80 |
| F-150 XL Super Cab 2WD | $182 | $366 | $302 | $18 | $90 | $958 | $80 |
| F-150 XLT Regular Cab 2WD | $182 | $366 | $302 | $18 | $90 | $958 | $80 |
| F-150 STX Super Cab 2WD | $182 | $366 | $302 | $18 | $90 | $958 | $80 |
| F-150 XL Crew Cab 2WD | $210 | $366 | $302 | $18 | $90 | $986 | $82 |
| F-150 XLT Super Cab 2WD | $210 | $366 | $302 | $18 | $90 | $986 | $82 |
| F-150 STX Regular Cab 4WD | $210 | $366 | $302 | $18 | $90 | $986 | $82 |
| F-150 XL Regular Cab 4WD | $210 | $366 | $302 | $18 | $90 | $986 | $82 |
| F-150 FX2 Super Cab 2WD | $210 | $366 | $302 | $18 | $90 | $986 | $82 |
| F-150 XLT Crew Cab 2WD | $210 | $366 | $302 | $18 | $90 | $986 | $82 |
| F-150 XL Super Cab 4WD | $210 | $366 | $302 | $18 | $90 | $986 | $82 |
| F-150 XLT Regular Cab 4WD | $210 | $366 | $302 | $18 | $90 | $986 | $82 |
| F-150 XL Crew Cab 4WD | $238 | $366 | $302 | $18 | $90 | $1,014 | $85 |
| F-150 STX Super Cab 4WD | $238 | $366 | $302 | $18 | $90 | $1,014 | $85 |
| F-150 XLT Super Cab 4WD | $238 | $366 | $302 | $18 | $90 | $1,014 | $85 |
| F-150 FX2 2WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 Lariat Super Cab 2WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 Lariat Crew Cab 2WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 FX4 Super Cab 4WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 XLT Crew Cab 4WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 FX4 4WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 Lariat Crew Cab 4WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 SVT Raptor Super Cab 4WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 Lariat Super Cab 4WD | $238 | $446 | $302 | $18 | $90 | $1,094 | $91 |
| F-150 Lariat Crew Cab Platinum 2WD | $238 | $524 | $302 | $18 | $90 | $1,172 | $98 |
| F-150 Lariat Crew Cab Harley 2WD | $238 | $524 | $302 | $18 | $90 | $1,172 | $98 |
| F-150 Lariat King Ranch 2WD | $238 | $524 | $302 | $18 | $90 | $1,172 | $98 |
| F-150 Lariat King Ranch 4WD | $264 | $524 | $302 | $18 | $90 | $1,198 | $100 |
| F-150 Lariat Crew Cab Harley 4WD | $264 | $524 | $302 | $18 | $90 | $1,198 | $100 |
| F-150 Lariat Crew Cab Platinum 4WD | $264 | $524 | $302 | $18 | $90 | $1,198 | $100 |
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific location which can modify premium rates considerably.
Auto insurance company ratings
Ending up with a highly-rated insurance provider is difficult considering how many different companies there are to choose from in Durham. The ranking information shown below may help you decide which auto insurance companies you want to consider when insurance shopping for a Ford F-150.
These rankings are only made up of the largest companies in America, so smaller companies will not be included in this list. To compare prices and find cheaper insurance for a Ford F-150, simply click here.
Top 10 Major Auto Insurance Companies in Durham Ranked by Value
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
- Titan Insurance
Top 10 Major Auto Insurance Companies in Durham Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Rate comparison of full coverage and liability-only
Reducing the cost of auto insurance is important to the majority of people, and one great way to buy cheap insurance for a Ford F-150 is to not insure for full coverage. The example below shows the difference between car insurance costs with full physical damage coverage and with liability coverage only. Data assumes no accidents or driving violations, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
If averaged out across all ages, full coverage on your policy costs an additional $1,157 per year more than insuring for liability only. At some point, almost every driver questions if full coverage is worth the money. There is no definitive formula of when to stop paying for physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
There are a few cases where only buying liability is not recommended. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Here’s why you should compare rates often
Durham, NC auto insurance rates are calculated based on many things which can substantially change the policy price. Simply having a birthday, having a teen driver, or getting a reckless driving citation can trigger price changes that may make certain companies more affordable than competitors.
In addition, car insurance companies change rates as often as every three months in order to offset underwriting gains or losses. Significantly higher losses can cause increased policy costs, while profitable underwriting can result in cheaper F-150 insurance rates.
For example, the data below shows which company has the cheapest car insurance in Durham, NC for a 45-year-old female driver with no accidents, a clean driving record, and great credit. When comparing rates based on her personal risk profile, Utica National has the lowest car insurance rates in Durham at $729 annually. This is $143 less than the average rate paid by North Carolina drivers of $872. Progressive, Liberty Mutual, GEICO, and NC Farm Bureau are the remainder of the most affordable Durham, NC auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a claim, less-than-perfect credit, and a traffic ticket or two. Since each company has a unique formula to set their prices, getting updated rate quotes most likely will result in a significantly different list of the cheapest Durham car insurance companies as shown below.
Titan now has the lowest price in Durham with State Farm, Auto-Owners, Progressive, and Allied also having competitive pricing. This demonstrates why it is important to perform a complete rate comparison to get affordable car insurance quotes for a Ford F-150. Rates are calculated by many risk factors and change substantially, so the most economical company three years ago may now not even be in the top five.
The agents shown below can help you make a decision which car insurance policy is best, as some drivers wish to get help from a professional when comparing insurance rates for a Ford F-150. It can be complicated to find the best coverage on your own, so getting advice from a licensed agent can provide satisfaction knowing you have suitable coverage if you ever need to use it.
To find a Durham insurance agency close to you, click the button below the list.
- Reliable Insurance Agency of North Carolina Inc.
3325 Durham-Chapel Hill Blvd #200 – Durham, NC 27707 – (919) 864-9048 - Knox Insurance Agency
200 Meredith Dr Suite 104 – Durham, NC 27713 – (919) 313-6411 - Insurance People-N Carolina
1920 Front St # 750 – Durham, NC 27705 – (919) 383-0442
More Durham, NC insurance agents
How to find low-cost auto insurance for a Ford F-150
Lowering your rates is not difficult, and here are some thrifty solutions that can help drivers buy more affordable car insurance.
- You will pay more if you get tickets or have at-fault accidents
- Older vehicles may not need full coverage
- Buy a car with high safety ratings
- Higher deductibles mean lower rates
- Good credit can save money
- Avoid at-fault accidents and claims
- Compare price quotes at least once a year
That last tip is highly vital, as we hit on in this article. Insurance prices in Durham adjust frequently, so drivers shouldn’t be resistant to change insurance companies if you find a cheaper price.
Brand loyalty is great, but it’s not a great idea if it’s costing you a small fortune. In less than five minutes you could compare prices to find cheaper insurance for a Ford F-150.