Who Has Affordable Raleigh Car Insurance for a Ford F-150?

Buying cheap car insurance for a Ford F-150 in North Carolina hinges on lots of different factors such as the safety rating of your vehicle, your residence address, and citations or violations on your driving record. Drivers will pay around $787 each year to insure their F-150, but that figure is based upon a 50-year-old married male driver with full coverage and $100 deductibles.

When estimating a car insurance rate like we just did, the issue is that you’re not a 50-year-old male, possibly single instead of married, or maybe you prefer liability limits higher than required by North Carolina state law. Even a minor change in rating criteria could result in a significant change in the price of a policy.

The different assumptions illustrate why the only way to find affordable rates for your Ford is to compare rates from as many companies as possible.

View Ford F-150 Insurance Rates

Your Ford’s trim level impacts the cost of insurance, so the price to insure a F-150 XL Regular Cab 2WD model will be $240 lower than the cost to insure the higher-priced F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the table below.

Ford F-150 Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $146 $212 $240 $14 $72 $684 $57
F-150 STX Regular Cab 2WD $146 $270 $240 $14 $72 $742 $62
F-150 XL Super Cab 2WD $146 $270 $240 $14 $72 $742 $62
F-150 XLT Regular Cab 2WD $146 $270 $240 $14 $72 $742 $62
F-150 STX Super Cab 2WD $146 $270 $240 $14 $72 $742 $62
F-150 XL Crew Cab 2WD $168 $270 $240 $14 $72 $764 $64
F-150 XLT Super Cab 2WD $168 $270 $240 $14 $72 $764 $64
F-150 STX Regular Cab 4WD $168 $270 $240 $14 $72 $764 $64
F-150 XL Regular Cab 4WD $168 $270 $240 $14 $72 $764 $64
F-150 FX2 Super Cab 2WD $168 $270 $240 $14 $72 $764 $64
F-150 XLT Crew Cab 2WD $168 $270 $240 $14 $72 $764 $64
F-150 XL Super Cab 4WD $168 $270 $240 $14 $72 $764 $64
F-150 XLT Regular Cab 4WD $168 $270 $240 $14 $72 $764 $64
F-150 XL Crew Cab 4WD $188 $270 $240 $14 $72 $784 $65
F-150 STX Super Cab 4WD $188 $270 $240 $14 $72 $784 $65
F-150 XLT Super Cab 4WD $188 $270 $240 $14 $72 $784 $65
F-150 FX2 2WD $188 $328 $240 $14 $72 $842 $70
F-150 Lariat Super Cab 2WD $188 $328 $240 $14 $72 $842 $70
F-150 Lariat Crew Cab 2WD $188 $328 $240 $14 $72 $842 $70
F-150 FX4 Super Cab 4WD $188 $328 $240 $14 $72 $842 $70
F-150 XLT Crew Cab 4WD $188 $328 $240 $14 $72 $842 $70
F-150 FX4 4WD $188 $328 $240 $14 $72 $842 $70
F-150 Lariat Crew Cab 4WD $188 $328 $240 $14 $72 $842 $70
F-150 SVT Raptor Super Cab 4WD $188 $328 $240 $14 $72 $842 $70
F-150 Lariat Super Cab 4WD $188 $328 $240 $14 $72 $842 $70
F-150 Lariat Crew Cab Platinum 2WD $188 $388 $240 $14 $72 $902 $75
F-150 Lariat Crew Cab Harley 2WD $188 $388 $240 $14 $72 $902 $75
F-150 Lariat King Ranch 2WD $188 $388 $240 $14 $72 $902 $75
F-150 Lariat King Ranch 4WD $210 $388 $240 $14 $72 $924 $77
F-150 Lariat Crew Cab Harley 4WD $210 $388 $240 $14 $72 $924 $77
F-150 Lariat Crew Cab Platinum 4WD $210 $388 $240 $14 $72 $924 $77
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can alter premiums considerably.

Trying to buy affordable car insurance is challenging, and finding out which companies quote the cheapest insurance rates for a Ford F-150 will involve even more rate comparisons.

Each insurance company uses slightly different criteria for determining prices, so we need to take a look at the insurance companies with the most affordable rates in North Carolina. It’s a good idea to be aware that Raleigh insurance rates are calculated based on many things that control the price you pay for coverage. This price fluctuation is why North Carolina drivers need to perform a complete rate comparison to get the most affordable insurance quotes for a Ford F-150. Insurance rates are made up of many risk factors and can decrease or increase without notice, so the best price when you last compared rates may now cost much more than other companies.

Best Car Insurance Prices for your F-150

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Utica National has some of the best car insurance rates in Raleigh at around $643 annually. This is $229 less than the average rate paid by North Carolina drivers of $872. Progressive, Penn National, Liberty Mutual, and GEICO would also make the list of some of the best Raleigh, NC auto insurance companies.

In the above example, if you buy coverage from Liberty Mutual and switched to Progressive, you may realize a yearly savings of in the vicinity of $77. Drivers with GEICO could save as much as $77 a year, and Titan insureds might cut rates by $78 a year.

Understand that those prices are averaged across all drivers and vehicles and are not factoring in an exact zip code location for a Ford F-150. So the auto insurance company that has the lowest price for you may not even be in the list above. That point stresses why you need to get car insurance quotes using your own specific driver information and vehicle.

The example below highlights how deductible choice can affect yearly insurance costs when searching for cheap insurance for a Ford F-150. The rates are based on a single male driver, comp and collision included, and no policy discounts are applied.

The data above shows that a 40-year-old driver could lower their car insurance rates by $206 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $310 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could roll back prices up to $670 or more by selecting a higher deductible. If you do decide to increase your deductibles, it is essential to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Careless driving habits raise insurance rates

The common sense way to receive cheap insurance rates in Raleigh for a F-150 pickup is to be a good driver and avoid traffic citations and accidents. The example below illustrates how violations and fender-benders impact premium costs for each different age group. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of an auto insurance policy in Raleigh per year with no violations or accidents is $1,108. Get one speeding ticket and the average cost hikes up to $1,257, an increase of $149 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for a Ford F-150 goes up to an average of $1,665. That’s an increase of $557, or $46 per month, just for a couple of infractions!

Cost of full coverage in Raleigh

Finding cheaper insurance is probably important to the majority of drivers, and a good way to pay lower rates for insurance for a Ford F-150 is to not pay for full coverage. The diagram below visualizes the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The rate quotes are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are taken into consideration.

On average, physical damage coverage costs $1,421 per year over liability only. That is a large expense which might make you wonder if you should buy full coverage at all. There is no definitive formula to stop buying full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.