Finding economical insurance for a Ford F-150 in California is dependent upon a fairly complex equation with a lot of factors such as whether you are male or female, your profession, and driving citations. California drivers pay around $1,837 per year to insure their F-150, but that cost is based upon a 40-year-old single female driver with full physical damage coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 40 years old or even a female, possibly married instead of single, and you might want liability-only or different deductibles. Even a slight change in rating factors or requested coverage amount could result in a significant change in the cost of insuring your F-150.
Auto insurance requires individual risk assessment, so the only way to find cheap insurance prices for your Ford is to just compare rates yourself.
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Your vehicle’s trim level will most likely have an effect on the yearly cost, so the price you will be charged to insure a F-150 XL Regular Cab 2WD trim level will be $554 cheaper than the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $318 | $500 | $574 | $34 | $172 | $1,598 | $133 |
| F-150 STX Regular Cab 2WD | $318 | $638 | $574 | $34 | $172 | $1,736 | $145 |
| F-150 XL Super Cab 2WD | $318 | $638 | $574 | $34 | $172 | $1,736 | $145 |
| F-150 XLT Regular Cab 2WD | $318 | $638 | $574 | $34 | $172 | $1,736 | $145 |
| F-150 STX Super Cab 2WD | $318 | $638 | $574 | $34 | $172 | $1,736 | $145 |
| F-150 XL Crew Cab 2WD | $366 | $638 | $574 | $34 | $172 | $1,784 | $149 |
| F-150 XLT Super Cab 2WD | $366 | $638 | $574 | $34 | $172 | $1,784 | $149 |
| F-150 STX Regular Cab 4WD | $366 | $638 | $574 | $34 | $172 | $1,784 | $149 |
| F-150 XL Regular Cab 4WD | $366 | $638 | $574 | $34 | $172 | $1,784 | $149 |
| F-150 FX2 Super Cab 2WD | $366 | $638 | $574 | $34 | $172 | $1,784 | $149 |
| F-150 XLT Crew Cab 2WD | $366 | $638 | $574 | $34 | $172 | $1,784 | $149 |
| F-150 XL Super Cab 4WD | $366 | $638 | $574 | $34 | $172 | $1,784 | $149 |
| F-150 XLT Regular Cab 4WD | $366 | $638 | $574 | $34 | $172 | $1,784 | $149 |
| F-150 XL Crew Cab 4WD | $412 | $638 | $574 | $34 | $172 | $1,830 | $153 |
| F-150 STX Super Cab 4WD | $412 | $638 | $574 | $34 | $172 | $1,830 | $153 |
| F-150 XLT Super Cab 4WD | $412 | $638 | $574 | $34 | $172 | $1,830 | $153 |
| F-150 FX2 2WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 Lariat Super Cab 2WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 Lariat Crew Cab 2WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 FX4 Super Cab 4WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 XLT Crew Cab 4WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 FX4 4WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 Lariat Crew Cab 4WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 SVT Raptor Super Cab 4WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 Lariat Super Cab 4WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| F-150 Lariat Crew Cab Platinum 2WD | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| F-150 Lariat Crew Cab Harley 2WD | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| F-150 Lariat King Ranch 2WD | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| F-150 Lariat King Ranch 4WD | $458 | $914 | $574 | $34 | $172 | $2,152 | $179 |
| F-150 Lariat Crew Cab Harley 4WD | $458 | $914 | $574 | $34 | $172 | $2,152 | $179 |
| F-150 Lariat Crew Cab Platinum 4WD | $458 | $914 | $574 | $34 | $172 | $2,152 | $179 |
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in zip code location which can lower or raise auto insurance rates considerably.
Selecting a highly-rated auto insurance company can be rather challenging considering how many choices you have in California. The information listed below can help you choose which insurers to look at when buying insurance for a Ford F-150. The ratings below are only comprised of major nationwide insurance companies, so companies that have a smaller presence will not be included in these rankings.
Top 10 Major Auto Insurance Companies in Long Beach Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Major Auto Insurance Companies in Long Beach Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Discount Long Beach insurance
Insurance companies that offer cheap quotes for a Ford F-150 may also give you discounts that could reduce prices by 25% or more if you meet specific eligibility requirements. A few popular companies and their possible discounts are included below.
- Travelers includes discounts for home ownership, good student, driver training, hybrid/electric vehicle, and multi-policy.
- 21st Century offers premium reductions for defensive driver, driver training, automatic seat belts, good student, and homeowners.
- State Farm discounts include good student, driver’s education, student away at school, safe vehicle, good driver, and multiple policy.
- GEICO has discounts for five-year accident-free, good student, federal employee, membership and employees, military active duty, and seat belt use.
- SAFECO offers discounts for drive less, teen safety rewards, multi-car, accident prevention training, bundle discounts, and teen safe driver.
- AAA policyholders can earn discounts including good student, multi-car, good driver, multi-policy, pay-in-full, education and occupation, and anti-theft.
The illustration below illustrates the comparison of car insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, claim-free, passive restraint, accident-free, multiple policy, and vehicle safety discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for a Ford F-150 is 28% or $651.
Impact of careless driving on insurance rates
One of the best ways to receive cheap insurance prices for a F-150 pickup is to be a cautious driver and not have accidents or get tickets. The chart below demonstrates how traffic citations and accident claims can impact auto insurance costs for each age group. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
The data in the chart shows the average cost of an auto insurance policy in Long Beach per year with no accidents and a clean driving record is $1,775. Factor in one speeding ticket and the average cost hikes up to $2,069, an increase of $294 each year. Then add in two accidents along with the one speeding ticket and the annual cost of insurance for a Ford F-150 goes up to an average of $4,772. That’s an increase of $2,998, or $250 per month, just for being a careless driver!
If you aren’t sure which coverage you need and prefer to get some professional advice when shopping for cheaper insurance for a Ford F-150, the insurance agencies below are willing to help you determine which coverages are best. To locate a Long Beach car insurance agency closest to you, click the link after the list.
- Allstate Insurance: Victoria L. Avery
4510 Pacific Coast Hwy #340 – Long Beach, CA 90804 – (562) 597-2371 - Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 - Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700 - Bob Lundstrom – State Farm Insurance Agent
3620 Long Beach Blvd, Ste A3 – Long Beach, CA 90807 – (562) 595-8333
More Long Beach, CA insurance agents
How to find low-cost insurance for a Ford F-150
Here are some of the better money-saving solutions that can help you buy more affordable coverage.
- Buy vehicles with good safety ratings
- Do not get traffic citations
- At-fault accidents will increase rates
- Buying car and homeowners insurance together can save money
- Pay less by remaining claim-free
- Shop around once a year for cheaper rates
That last piece of advice is extraordinarily necessary, as we discussed in this piece. Prices charged by auto insurers change a lot, so don’t be tentative to switch to a new company if a lower-cost policy is available.
Having a favorite company is great, but we do not recommend it if it’s costing you several hundred dollars every year. Now is a great time to compare rates and find cheaper auto insurance for a Ford F-150 in Long Beach.