Buying economical auto insurance for a Ford F-150 in Texas is dependent upon a complicated formula that considers factors such as how many years you have been driving, your credit status, and citations or violations on your driving record. Drivers in Texas pay on average $1,268 a year to insure their F-150, but that price is a valuation calculated based on a 40-year-old single male driver with full physical damage coverage and $500 deductibles.
It’s more than likely you may not be 40 years old (or even male), married instead of single, or maybe you are just looking for cheap liability insurance. Auto insurance is unique to each driver, so the way we recommend to find the cheapest coverage for your Ford is to just take the time to compare rates yourself.
Vehicle trim level will most likely have an effect on the annual cost of coverage, so the cost to insure a F-150 XL Regular Cab 2WD trim level will be $336 less than the insurance cost for the fancier F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $204 | $296 | $462 | $28 | $138 | $1,128 | $94 |
| F-150 STX Regular Cab 2WD | $204 | $378 | $462 | $28 | $138 | $1,210 | $101 |
| F-150 XL Super Cab 2WD | $204 | $378 | $462 | $28 | $138 | $1,210 | $101 |
| F-150 XLT Regular Cab 2WD | $204 | $378 | $462 | $28 | $138 | $1,210 | $101 |
| F-150 STX Super Cab 2WD | $204 | $378 | $462 | $28 | $138 | $1,210 | $101 |
| F-150 XL Crew Cab 2WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| F-150 XLT Super Cab 2WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| F-150 STX Regular Cab 4WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| F-150 XL Regular Cab 4WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| F-150 FX2 Super Cab 2WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| F-150 XLT Crew Cab 2WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| F-150 XL Super Cab 4WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| F-150 XLT Regular Cab 4WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| F-150 XL Crew Cab 4WD | $264 | $378 | $462 | $28 | $138 | $1,270 | $106 |
| F-150 STX Super Cab 4WD | $264 | $378 | $462 | $28 | $138 | $1,270 | $106 |
| F-150 XLT Super Cab 4WD | $264 | $378 | $462 | $28 | $138 | $1,270 | $106 |
| F-150 FX2 2WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 Lariat Super Cab 2WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 Lariat Crew Cab 2WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 FX4 Super Cab 4WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 XLT Crew Cab 4WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 FX4 4WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 Lariat Crew Cab 4WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 SVT Raptor Super Cab 4WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 Lariat Super Cab 4WD | $264 | $460 | $462 | $28 | $138 | $1,352 | $113 |
| F-150 Lariat Crew Cab Platinum 2WD | $264 | $542 | $462 | $28 | $138 | $1,434 | $120 |
| F-150 Lariat Crew Cab Harley 2WD | $264 | $542 | $462 | $28 | $138 | $1,434 | $120 |
| F-150 Lariat King Ranch 2WD | $264 | $542 | $462 | $28 | $138 | $1,434 | $120 |
| F-150 Lariat King Ranch 4WD | $294 | $542 | $462 | $28 | $138 | $1,464 | $122 |
| F-150 Lariat Crew Cab Harley 4WD | $294 | $542 | $462 | $28 | $138 | $1,464 | $122 |
| F-150 Lariat Crew Cab Platinum 4WD | $294 | $542 | $462 | $28 | $138 | $1,464 | $122 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Table data does not factor in Dallas location which can lower or raise prices considerably.
Picking the right car insurance provider is difficult considering how many companies are available to choose from in Dallas. The information in the lists below may help you decide which insurers you want to consider to insure your vehicles.
The rankings below are for companies that write coverage in many states, so smaller companies are not factored into these rankings. To compare prices from the most competitive companies in Texas, simply click here.
Top 10 Large Auto Insurance Companies in Dallas Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Large Auto Insurance Companies Overall in Dallas
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Get discount Dallas auto insurance rates
Insurance providers that offer coverage for a Ford F-150 could also offer premium discounts that could reduce prices by as much as 40% or more if you qualify for them. A list of companies and their offered discounts can be read below.
- Farm Bureau may have discounts that include renewal discount, multi-policy, youthful driver, good student, driver training, safe driver, and multi-vehicle.
- MetLife offers discounts for claim-free, accident-free, defensive driver, multi-policy, and good driver.
- Progressive has savings for multi-policy, multi-vehicle, good student, online quote discount, continuous coverage, and homeowner.
- AAA offers discounts including education and occupation, AAA membership discount, good driver, multi-car, pay-in-full, anti-theft, and multi-policy.
- American Family includes discounts for TimeAway discount, bundled insurance, defensive driver, early bird, Steer into Savings, and mySafetyValet.
- GEICO has discounts for military active duty, five-year accident-free, seat belt use, anti-theft, and good student.
- State Farm discounts include Drive Safe & Save, driver’s education, student away at school, multiple autos, and passive restraint.
The chart below shows the difference between insurance prices with and without some available policy discounts. The prices are based on a male driver, no violations or claims, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with defensive driving course, anti-theft, multiple policy, marriage, safe-driver, and vehicle safety discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Ford F-150 is 28% or $668.
Why it’s important to shop around
Dallas auto insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay. Improving your credit rating, getting divorced, or getting a DUI can produce rate changes resulting in some companies being cheaper than before. Additionally, car insurance companies file new Texas auto insurance rates every year or even multiple times each year in order to be able to pay unexpected claims. Higher than normal claim frequency or severity can cause higher rates, while a better loss history can produce more affordable F-150 insurance rates.
The data below demonstrates which company has the cheapest car insurance in Dallas, TX for a 35-year-old male driver with a clean driving record, no accidents, and great credit. If we estimate prices based on his personal profile, Travelers might offer the cheapest car insurance rates in Dallas at $1,299 each year. This is $605 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also included in the most affordable Dallas, TX auto insurance companies.
In the next rate comparison, we’ll give the driver from the first rate comparison an accident claim, less-than-perfect credit, and a blemish on his driving record. Since every car insurance company has a unique approach for establishing rates, comparing rates may result in a different set of the cheapest Dallas car insurance companies as shown below.
Mercury now has the cheapest rate in Dallas, TX with State Farm, Nationwide, Safe Auto, and USAA now rounding out the top five. This example illustrates why Texas drivers need to compare many different companies when trying to find the most economical insurance quotes for a Ford F-150. Car insurance prices can be altered by many different factors and change substantially, so the lowest-price company the last time you compared rates may now be costing you a lot of money.