Who Has the Cheapest Car Insurance for a Ford F-150 in San Diego?

Buying affordable auto insurance for a Ford F-150 is normally pretty easy, but it is dependent upon a whole bunch of rating criteria such as whether you are a homeower, whether or not you garage your vehicle, and driving citations. California drivers will pay around $1,530 annually for F-150 insurance, but that price is an approximation calculated based on a 40-year-old married male driver with full physical damage coverage and $100 deductibles.

Odds are that you are not 40 years old and maybe not even male, maybe you are single instead of married, and maybe your F-150 just needs liability-only coverage. Not every driver requires the same auto insurance coverages, so the only way to find the cheapest coverage for your Ford is to do your own rate comparisons.

Insure Your Ford for Less

The trim level of your Ford will likely have an effect on the cost of coverage, so the price you will be charged to insure a F-150 XL Regular Cab 2WD trim level will be $472 cheaper than the cost to insure the more costly F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.

Ford F-150 Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $302 $406 $456 $26 $136 $1,326 $111
F-150 STX Regular Cab 2WD $302 $520 $456 $26 $136 $1,440 $120
F-150 XL Super Cab 2WD $302 $520 $456 $26 $136 $1,440 $120
F-150 XLT Regular Cab 2WD $302 $520 $456 $26 $136 $1,440 $120
F-150 STX Super Cab 2WD $302 $520 $456 $26 $136 $1,440 $120
F-150 XL Crew Cab 2WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XLT Super Cab 2WD $346 $520 $456 $26 $136 $1,484 $124
F-150 STX Regular Cab 4WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XL Regular Cab 4WD $346 $520 $456 $26 $136 $1,484 $124
F-150 FX2 Super Cab 2WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XLT Crew Cab 2WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XL Super Cab 4WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XLT Regular Cab 4WD $346 $520 $456 $26 $136 $1,484 $124
F-150 XL Crew Cab 4WD $390 $520 $456 $26 $136 $1,528 $127
F-150 STX Super Cab 4WD $390 $520 $456 $26 $136 $1,528 $127
F-150 XLT Super Cab 4WD $390 $520 $456 $26 $136 $1,528 $127
F-150 FX2 2WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Super Cab 2WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Crew Cab 2WD $390 $632 $456 $26 $136 $1,640 $137
F-150 FX4 Super Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 XLT Crew Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 FX4 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Crew Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 SVT Raptor Super Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Super Cab 4WD $390 $632 $456 $26 $136 $1,640 $137
F-150 Lariat Crew Cab Platinum 2WD $390 $744 $456 $26 $136 $1,752 $146
F-150 Lariat Crew Cab Harley 2WD $390 $744 $456 $26 $136 $1,752 $146
F-150 Lariat King Ranch 2WD $390 $744 $456 $26 $136 $1,752 $146
F-150 Lariat King Ranch 4WD $436 $744 $456 $26 $136 $1,798 $150
F-150 Lariat Crew Cab Harley 4WD $436 $744 $456 $26 $136 $1,798 $150
F-150 Lariat Crew Cab Platinum 4WD $436 $744 $456 $26 $136 $1,798 $150
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in specific garaging location which can influence coverage prices noticeably.

Finding good, low-cost car insurance is confusing at best, and figuring out which company offers the cheapest insurance rates for a Ford F-150 may require more quotes for comparison. Each insurance company has a unique formula to set policy rates, so first we will examine the most budget-friendly insurance companies in San Diego, CA.

It’s important to know that San Diego, CA insurance rates are calculated based on many things which can substantially decrease or increase the cost of coverage. That is why it is critical to compare rates to find affordable auto insurance rates for a Ford F-150. Prices are calculated by many factors and can change substantially, so the most economical option six months ago may now be quite expensive.

Cheap Insurance Rates for your F-150

Start Your Free Quote

USAA normally has some of the best car insurance rates in San Diego at around $1,143 per year. Wawanesa, Nationwide, Century National, and CSAA also make the cut as some of the cheaper San Diego, CA insurance companies.

As shown in the table above, if you are insured with Nationwide and switched to USAA, you might realize a yearly price reduction of approximately $70. Customers with Century National could save as much as $71 a year, and CSAA insureds might reduce rates by $91 a year.

To find out how your current rates compare, click here to start your free quote or click several companies below for low rates.

Be aware that those estimates are averaged for all drivers and vehicles in California and do not factor in a specific vehicle garaging location for a Ford F-150. So the company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That’s why you need to get rate quotes using your own individual information.

Comparison of full coverage and liability-only policies

Saving money on insurance is the goal of most vehicle owners, and one of the best ways to pay lower rates for insurance for a Ford F-150 is to only pay for liability coverage. The diagram below shows the difference between auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The costs are based on no violations or accidents, $100 deductibles, single status, and no additional discounts are factored in.

If all age groups are averaged, full coverage costs $3,345 per year more than just buying liability insurance. That is a big expense that brings up the question if buying full coverage is worth the money. There is no set guideline to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

There are some scenarios where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

The example below highlights how deductible selection can change insurance costs when quoting cheap insurance for a Ford F-150. The information is based on a married female driver, full physical damage coverage, and no other discounts are factored in.

The data above shows that a 30-year-old driver could cut expenses by $366 a year by changing from a $100 deductible to a $500 deductible, or save $554 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could reduce their rates as much as $784 or even more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it’s a good idea to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Impact of citations and accidents on insurance rates

One of the best ways to get the best insurance premiums in California for a F-150 pickup is to be a good driver and not get tickets or have accidents. The chart below illustrates how speeding tickets and at-fault accidents can influence insurance costs for each age group. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

In the chart above, the average cost of auto insurance in California per year with no accidents or violations is $2,431. Add in one speeding ticket and the average cost swells to $2,756, an increase of $324 each year. Then add one accident along with the one speeding ticket and the annual cost of insurance for a Ford F-150 increases to an average of $3,651. That’s an increase of $1,219, or $102 per month, just for not keeping your driving record clean!