Who Has the Cheapest Auto Insurance for a Ford F-150 in Pittsburgh?

Finding cheaper auto insurance for a Ford F-150 is pretty easy for most people to do, but it depends on a large number of factors such as when you were born, where you live, and violations on your driving record. Pennsylvania drivers will pay around $996 annually for F-150 insurance, but that amount is a projection using a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.

There is a good probability you aren’t exactly 50 years old or even a male, you might be married instead of single, or you just prefer to insure for liability only. Even a minor difference in rating variables or coverage information could end up with a large change in how much insurance for a Ford F-150 costs.

Insurance is an individual thing, so the only real way to find cheap car insurance rates for your Ford is to compare rates from as many companies as possible.

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The trim level of your F-150 can impact the coverage cost, so the price you will be charged to insure a F-150 XL Regular Cab 2WD will be $260 less than the insurance cost for the more well-appointed F-150 Lariat Crew Cab Platinum 4WD trim level, as demonstrated by the prices below.

Ford F-150 Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $154 $230 $372 $22 $112 $890 $74
F-150 STX Regular Cab 2WD $154 $292 $372 $22 $112 $952 $79
F-150 XL Super Cab 2WD $154 $292 $372 $22 $112 $952 $79
F-150 XLT Regular Cab 2WD $154 $292 $372 $22 $112 $952 $79
F-150 STX Super Cab 2WD $154 $292 $372 $22 $112 $952 $79
F-150 XL Crew Cab 2WD $178 $292 $372 $22 $112 $976 $81
F-150 XLT Super Cab 2WD $178 $292 $372 $22 $112 $976 $81
F-150 STX Regular Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 XL Regular Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 FX2 Super Cab 2WD $178 $292 $372 $22 $112 $976 $81
F-150 XLT Crew Cab 2WD $178 $292 $372 $22 $112 $976 $81
F-150 XL Super Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 XLT Regular Cab 4WD $178 $292 $372 $22 $112 $976 $81
F-150 XL Crew Cab 4WD $200 $292 $372 $22 $112 $998 $83
F-150 STX Super Cab 4WD $200 $292 $372 $22 $112 $998 $83
F-150 XLT Super Cab 4WD $200 $292 $372 $22 $112 $998 $83
F-150 FX2 2WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Super Cab 2WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Crew Cab 2WD $200 $356 $372 $22 $112 $1,062 $89
F-150 FX4 Super Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 XLT Crew Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 FX4 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Crew Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 SVT Raptor Super Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Super Cab 4WD $200 $356 $372 $22 $112 $1,062 $89
F-150 Lariat Crew Cab Platinum 2WD $200 $420 $372 $22 $112 $1,126 $94
F-150 Lariat Crew Cab Harley 2WD $200 $420 $372 $22 $112 $1,126 $94
F-150 Lariat King Ranch 2WD $200 $420 $372 $22 $112 $1,126 $94
F-150 Lariat King Ranch 4WD $224 $420 $372 $22 $112 $1,150 $96
F-150 Lariat Crew Cab Harley 4WD $224 $420 $372 $22 $112 $1,150 $96
F-150 Lariat Crew Cab Platinum 4WD $224 $420 $372 $22 $112 $1,150 $96
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can modify coverage rates significantly.

Finding out which companies quote the lowest-priced auto insurance rates for a Ford F-150 will take a bit more work than just picking a company at random. Each insurance company has a different formula to establish rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Pennsylvania.

Keep in mind that Pennsylvania auto insurance rates are based on many factors that can increase the policy premium. Improving your credit rating, buying a home, or getting a ticket for careless driving may cause policy rate changes that may make certain companies more affordable than the competition.

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Rankings for the cheapest car insurance companies in Pennsylvania
Rank Company Cost Per Year
1 General Casualty $718
2 USAA $785
3 Erie $800
4 Travelers $803
5 Penn National $840
6 Auto-Owners $1,003
7 Atlantic States $1,005
8 Amica $1,022
9 Donegal Mutual $1,102
10 GEICO $1,111
11 State Farm $1,162
12 Allied $1,190
13 California Casualty $1,222
14 State Auto $1,229
15 Encompass $1,344
16 Mutual Benefit Group $1,397
17 Harleysville $1,410
18 Progressive $1,429
19 Nationwide $1,477
20 Chubb $1,598
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General Casualty may offer some of the most affordable car insurance rates in Pittsburgh at around $718 per year. USAA, Erie, Travelers, and Penn National also qualify as some of the lowest-priced Pittsburgh, PA car insurance companies.

In this example, if you currently have coverage with Penn National and switched to USAA, you could earn a yearly savings of in the vicinity of $55. Policyholders with Auto-Owners may save as much as $218 a year, and Atlantic States insureds might lower prices by up to $220 a year.

To find cheaper insurance rates for your vehicle, click here or visit any of the companies below.

Bear in mind that those premium estimates are averaged across all drivers and vehicles in Pennsylvania and are not factoring in a specific vehicle garaging location for a Ford F-150. So the insurer that is best suited for you may not even be in the top 30 companies in the list above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.

The example below shows how choosing a deductible can impact insurance premiums when researching cheap insurance for a Ford F-150. Data assumes a single male driver, comp and collision included, and no discounts are applied to the premium.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $270 a year by changing from a $100 deductible up to a $500 deductible, or save $408 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, could possibly save as much as $888 or more by using a higher deductible. When increasing deductibles, it will be important to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Liability rates compared to full coverage

Finding cheaper auto insurance should be important to most vehicle owners, and one great way to buy cheap insurance for a Ford F-150 is to not pay for full coverage. The information below illustrates the comparison of insurance rates with liability coverage only compared to full coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.

If all age groups are averaged, comp and collision coverage costs an extra $1,871 per year more than just buying liability insurance. That proposes the question if you should buy full coverage at all. There is no definitive rule for excluding full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s book value is $5,500 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $4,500 after the deductible is paid. If you are currently paying more than $450 a year to have full coverage, then it might be time to consider dropping full coverage.

Ideas to find the cheapest auto insurance for a Ford F-150

Below you’ll find some penny-pinching solutions that can help Pennsylvania drivers buy lower-cost coverage.

The last tip in the list is remarkably critical, as was stressed in the prior information. Prices charged by companies can be modified anytime, so don’t be unwilling to change to a new company if a lower-cost policy is available.

Having a favorite company is fine, but it’s not a great idea if that loyalty ends up costing potentially thousands of dollars a year. If you have a few minutes, shop around to find cheaper car insurance for a Ford F-150 in Pittsburgh.