Who Has Affordable Auto Insurance for a Ford F-150 in Philadelphia?

Buying affordable auto insurance for a Ford F-150 is dependent upon a complicated rating formula that uses factors such as the safety rating for your F-150, your profession, and whether or not you are a good driver. Drivers in Pennsylvania will pay around $1,140 each year to insure their F-150, but that price is an estimation calculated based on a 40-year-old married male driver with full physical damage coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you are not 40 years old and maybe not even male, you might be single instead of married, and maybe your F-150 just needs liability-only coverage. Even a minor difference in the factors used in pricing a policy may result in significant differences in the policy cost.

Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap insurance prices for your Ford is to compare rates from as many companies as possible.

Cheapest Ford F-150 Insurance Rates

Your Ford’s trim level tends to impact price, so the price to insure a F-150 XL Regular Cab 2WD trim level will be $352 cheaper than the insurance cost for the fancier F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.

Ford F-150 Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $224 $302 $340 $20 $102 $988 $82
F-150 STX Regular Cab 2WD $224 $386 $340 $20 $102 $1,072 $89
F-150 XL Super Cab 2WD $224 $386 $340 $20 $102 $1,072 $89
F-150 XLT Regular Cab 2WD $224 $386 $340 $20 $102 $1,072 $89
F-150 STX Super Cab 2WD $224 $386 $340 $20 $102 $1,072 $89
F-150 XL Crew Cab 2WD $258 $386 $340 $20 $102 $1,106 $92
F-150 XLT Super Cab 2WD $258 $386 $340 $20 $102 $1,106 $92
F-150 STX Regular Cab 4WD $258 $386 $340 $20 $102 $1,106 $92
F-150 XL Regular Cab 4WD $258 $386 $340 $20 $102 $1,106 $92
F-150 FX2 Super Cab 2WD $258 $386 $340 $20 $102 $1,106 $92
F-150 XLT Crew Cab 2WD $258 $386 $340 $20 $102 $1,106 $92
F-150 XL Super Cab 4WD $258 $386 $340 $20 $102 $1,106 $92
F-150 XLT Regular Cab 4WD $258 $386 $340 $20 $102 $1,106 $92
F-150 XL Crew Cab 4WD $290 $386 $340 $20 $102 $1,138 $95
F-150 STX Super Cab 4WD $290 $386 $340 $20 $102 $1,138 $95
F-150 XLT Super Cab 4WD $290 $386 $340 $20 $102 $1,138 $95
F-150 FX2 2WD $290 $470 $340 $20 $102 $1,222 $102
F-150 Lariat Super Cab 2WD $290 $470 $340 $20 $102 $1,222 $102
F-150 Lariat Crew Cab 2WD $290 $470 $340 $20 $102 $1,222 $102
F-150 FX4 Super Cab 4WD $290 $470 $340 $20 $102 $1,222 $102
F-150 XLT Crew Cab 4WD $290 $470 $340 $20 $102 $1,222 $102
F-150 FX4 4WD $290 $470 $340 $20 $102 $1,222 $102
F-150 Lariat Crew Cab 4WD $290 $470 $340 $20 $102 $1,222 $102
F-150 SVT Raptor Super Cab 4WD $290 $470 $340 $20 $102 $1,222 $102
F-150 Lariat Super Cab 4WD $290 $470 $340 $20 $102 $1,222 $102
F-150 Lariat Crew Cab Platinum 2WD $290 $554 $340 $20 $102 $1,306 $109
F-150 Lariat Crew Cab Harley 2WD $290 $554 $340 $20 $102 $1,306 $109
F-150 Lariat King Ranch 2WD $290 $554 $340 $20 $102 $1,306 $109
F-150 Lariat King Ranch 4WD $324 $554 $340 $20 $102 $1,340 $112
F-150 Lariat Crew Cab Harley 4WD $324 $554 $340 $20 $102 $1,340 $112
F-150 Lariat Crew Cab Platinum 4WD $324 $554 $340 $20 $102 $1,340 $112
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can affect auto insurance rates greatly.

Ending up with the right auto insurance company can be difficult considering how many choices you have in Philadelphia. The rank data shown next may help you pick which auto insurance companies to look at when insurance shopping for a Ford F-150.

These rankings include the largest auto insurers in America, so smaller regional companies are not included in this list. If you’d like to compare prices from many more Pennsylvania auto insurance companies, click this link.

Top 10 Large Auto Insurers Overall in Philadelphia

  1. The General
  2. Titan Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

Top 10 Large Auto Insurers in Philadelphia Ranked by Customer Service

  1. Titan Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Erie Insurance
  10. Allstate

Poor driving habits will raise your auto insurance rates

One of the best ways to find the cheapest auto insurance premiums for a F-150 pickup is to drive carefully and avoid accidents and traffic violations. The chart below shows how violations and at-fault accidents can impact annual premium costs for each different age group. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

In the chart above, the average cost of a car insurance policy in Pennsylvania per year with no violations or accidents is $1,782. Get two speeding tickets and the average cost hikes up to $2,384, an increase of $602 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for a Ford F-150 jumps again to an average of $4,692. That’s an increase of $2,909, or $242 per month, just for being a careless driver!

Why it’s important to shop around

Philadelphia, PA auto insurance rates are determined by lots of factors which can substantially change the policy premium. Simply having a birthday, buying a new vehicle, or having an at-fault accident may cause policy rate changes that can cause some rates to be cheaper than others.

Additionally, auto insurance companies change premium rates at least once a year in order to remain profitable. A period of higher than normal claims can result in higher rates, while profitable underwriting can cause cheaper F-150 insurance rates.

For example, the chart below compares the cheapest car insurance in Philadelphia, PA for a 35-year-old male driver with a clean driving record, no accidents, and a decent credit rating. If we estimate rates based on his current risk factors, General Casualty might quote the best car insurance rates in Philadelphia at $1,718 annually. This is $61 more than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Penn National, and Erie are the rest of the most affordable Philadelphia, PA auto insurance companies.

In this example, we will give the driver from above a chargeable claim, less-than-perfect credit, and a few traffic violations. Because every insurance company has their own guidelines for determining prices, comparing quotes most likely will result in a different list of the cheapest companies as shown below.

Atlantic States now has the lowest price in Philadelphia, PA with Amica, USAA, Donegal Mutual, and GEICO now rounding out the top five. This example illustrates why it is so important to shop around when trying to find cheap car insurance quotes for a Ford F-150. Car insurance prices are made up of many things and can increase or decrease at any time, so the best price the last time you compared rates may now not even be in the top five.

How to find cheaper insurance for a Ford F-150

Here are some of the recommended thrifty ideas that can help Pennsylvania drivers find cheaper coverage.

The last tip is particularly important, as we pointed out in the article above. Coverage prices change frequently, so you should be ready to switch companies if a lower price can be found.

Many drivers prefer to stick with one company, but it’s not a good idea if that devotion results in you overpaying a lot of money. It only takes a couple minutes to compare prices to find cheaper car insurance for a Ford F-150 in Philadelphia.

The Philadelphia auto insurance agencies shown below can probably provide answers to your questions and help you determine which is the best policy, since some people prefer to have a professional recommendation when trying to find lower insurance rates for a Ford F-150. It’s not always simple to find the best policy yourself, so a professional agent can add peace of mind knowing your coverage gives you decent coverage if you have a claim. To find an agent close to you, click the button at the bottom of the list or click here to compare price quotes.

Fabey Insurance Agency
619 E Girard AvePhiladelphia, PA 19125(215) 425-7640

Rexach Insurance Agency
2932 N 5th StPhiladelphia, PA 19133(215) 229-6320

Dave Penning – State Farm Insurance Agent
2962 Robbins AvePhiladelphia, PA 19149(215) 537-8050

View more Philadelphia, PA insurance agencies