Buying cheap coverage for a Ford F-150 in California relies on a lot of factors such as your financial responsibility, your credit rating, and driving violations. Drivers pay around $1,318 annually to insure their F-150, but that amount is an estimate based on a 50-year-old single female driver with full physical damage coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 50 and maybe not even a female, possibly married instead of single, and you want different coverage limits than the example. This example demonstrates why the way we recommend to find the cheapest coverage for your Ford is to put in the effort to do a thorough rate comparison.
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The trim level of your Ford will have an impact the coverage cost, so the price you will pay to insure a F-150 XL Regular Cab 2WD trim level will be $336 less than the cost to insure the more costly F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $208 | $292 | $500 | $30 | $150 | $1,180 | $98 |
| F-150 STX Regular Cab 2WD | $208 | $374 | $500 | $30 | $150 | $1,262 | $105 |
| F-150 XL Super Cab 2WD | $208 | $374 | $500 | $30 | $150 | $1,262 | $105 |
| F-150 XLT Regular Cab 2WD | $208 | $374 | $500 | $30 | $150 | $1,262 | $105 |
| F-150 STX Super Cab 2WD | $208 | $374 | $500 | $30 | $150 | $1,262 | $105 |
| F-150 XL Crew Cab 2WD | $238 | $374 | $500 | $30 | $150 | $1,292 | $108 |
| F-150 XLT Super Cab 2WD | $238 | $374 | $500 | $30 | $150 | $1,292 | $108 |
| F-150 STX Regular Cab 4WD | $238 | $374 | $500 | $30 | $150 | $1,292 | $108 |
| F-150 XL Regular Cab 4WD | $238 | $374 | $500 | $30 | $150 | $1,292 | $108 |
| F-150 FX2 Super Cab 2WD | $238 | $374 | $500 | $30 | $150 | $1,292 | $108 |
| F-150 XLT Crew Cab 2WD | $238 | $374 | $500 | $30 | $150 | $1,292 | $108 |
| F-150 XL Super Cab 4WD | $238 | $374 | $500 | $30 | $150 | $1,292 | $108 |
| F-150 XLT Regular Cab 4WD | $238 | $374 | $500 | $30 | $150 | $1,292 | $108 |
| F-150 XL Crew Cab 4WD | $270 | $374 | $500 | $30 | $150 | $1,324 | $110 |
| F-150 STX Super Cab 4WD | $270 | $374 | $500 | $30 | $150 | $1,324 | $110 |
| F-150 XLT Super Cab 4WD | $270 | $374 | $500 | $30 | $150 | $1,324 | $110 |
| F-150 FX2 2WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 Lariat Super Cab 2WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 Lariat Crew Cab 2WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 FX4 Super Cab 4WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 XLT Crew Cab 4WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 FX4 4WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 Lariat Crew Cab 4WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 SVT Raptor Super Cab 4WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 Lariat Super Cab 4WD | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| F-150 Lariat Crew Cab Platinum 2WD | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| F-150 Lariat Crew Cab Harley 2WD | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| F-150 Lariat King Ranch 2WD | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| F-150 Lariat King Ranch 4WD | $300 | $536 | $500 | $30 | $150 | $1,516 | $126 |
| F-150 Lariat Crew Cab Harley 4WD | $300 | $536 | $500 | $30 | $150 | $1,516 | $126 |
| F-150 Lariat Crew Cab Platinum 4WD | $300 | $536 | $500 | $30 | $150 | $1,516 | $126 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in garaging location in Stockton which can decrease or increase price quotes substantially.
Ratings for California car insurance companies
Buying coverage from the right insurer can be a challenge considering how many choices you have in California. The company information shown next could help you decide which insurers you want to consider when shopping your coverage around. The rankings below are only made up of large nationwide companies, so companies that may only write in California are not taken into consideration for the list.
Top 10 Major Auto Insurance Companies Overall in Stockton
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Major Auto Insurance Companies in Stockton Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
The example below shows how different deductible levels can influence insurance prices when trying to find cheap insurance for a Ford F-150. The costs are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could pocket $490 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $736 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old example, can save up to $1,246 each year by selecting a higher deductible. If you do raise deductibles, it is a good idea to have enough in a savings account to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Can you find cheaper F-150 insurance?
California car insurance rates are calculated based on many things which can substantially change the cost of having a policy. Getting older, increasing liability limits, or having an accident can produce rate changes resulting in some rates now being more affordable than before.
Also, companies file new rates at least once a year to reflect underwriting profits or losses. Significantly higher losses may cause more expensive prices, while less frequent claims can cause more affordable F-150 insurance rates.
To illustrate this example, the bar chart below shows which company has the cheapest car insurance in Stockton, CA for a 45-year-old male driver with no accidents or violations, and good credit. If we look at prices based on his personal profile, USAA might offer the most affordable car insurance rates in Stockton at $1,365 per year. This is $286 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the cheapest Stockton, CA auto insurance companies.
Now we will pretend the driver from the first rate comparison an at-fault accident, a little lower credit rating, and a traffic citation. Due to the fact that every insurance company has a proprietary method for establishing rates, comparing rates may result in a significantly different list of cheap Stockton auto insurance companies as shown below.
Grange now has the lowest price in Stockton, CA with Progressive, Allstate, Mercury, and Allied also having competitive pricing. This demonstrates why consumers need to shop around to get the most budget-friendly insurance quotes for a Ford F-150.
Auto insurance prices are determined by many different factors and change dramatically, so the best company three years ago may now not even be in the top five.