Buying economical coverage for a Ford F-150 in Colorado is dependent upon a pretty complex algorithm that uses a lot of factors such as the safety rating for your F-150, your address, and any past driving violations you may have had. Drivers in Colorado pay approximately $1,065 per year to insure their F-150, but that price is a valuation based on a 30-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a good chance that you aren’t exactly 30 years old or even a male, you might be married instead of single, and you don’t want the same coverages and limits as the example. There is no one cookie-cutter policy that works for everyone, so the best way to find the most affordable coverage for your Ford is to compare as many rates as you can. Quotes only take a few minutes and you can get prices from top-rated companies that offer coverage in Colorado.
Your vehicle’s trim level tends to have a direct impact on price, so the rate you pay to insure a F-150 XL Regular Cab 2WD will be $228 cheaper than the price to insure the high end F-150 Lariat Crew Cab Platinum 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $166 | $186 | $460 | $28 | $138 | $978 | $82 |
| F-150 STX Regular Cab 2WD | $166 | $236 | $460 | $28 | $138 | $1,028 | $86 |
| F-150 XL Super Cab 2WD | $166 | $236 | $460 | $28 | $138 | $1,028 | $86 |
| F-150 XLT Regular Cab 2WD | $166 | $236 | $460 | $28 | $138 | $1,028 | $86 |
| F-150 STX Super Cab 2WD | $166 | $236 | $460 | $28 | $138 | $1,028 | $86 |
| F-150 XL Crew Cab 2WD | $192 | $236 | $460 | $28 | $138 | $1,054 | $88 |
| F-150 XLT Super Cab 2WD | $192 | $236 | $460 | $28 | $138 | $1,054 | $88 |
| F-150 STX Regular Cab 4WD | $192 | $236 | $460 | $28 | $138 | $1,054 | $88 |
| F-150 XL Regular Cab 4WD | $192 | $236 | $460 | $28 | $138 | $1,054 | $88 |
| F-150 FX2 Super Cab 2WD | $192 | $236 | $460 | $28 | $138 | $1,054 | $88 |
| F-150 XLT Crew Cab 2WD | $192 | $236 | $460 | $28 | $138 | $1,054 | $88 |
| F-150 XL Super Cab 4WD | $192 | $236 | $460 | $28 | $138 | $1,054 | $88 |
| F-150 XLT Regular Cab 4WD | $192 | $236 | $460 | $28 | $138 | $1,054 | $88 |
| F-150 XL Crew Cab 4WD | $216 | $236 | $460 | $28 | $138 | $1,078 | $90 |
| F-150 STX Super Cab 4WD | $216 | $236 | $460 | $28 | $138 | $1,078 | $90 |
| F-150 XLT Super Cab 4WD | $216 | $236 | $460 | $28 | $138 | $1,078 | $90 |
| F-150 FX2 2WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 Lariat Super Cab 2WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 Lariat Crew Cab 2WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 FX4 Super Cab 4WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 XLT Crew Cab 4WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 FX4 4WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 Lariat Crew Cab 4WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 SVT Raptor Super Cab 4WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 Lariat Super Cab 4WD | $216 | $288 | $460 | $28 | $138 | $1,130 | $94 |
| F-150 Lariat Crew Cab Platinum 2WD | $216 | $340 | $460 | $28 | $138 | $1,182 | $99 |
| F-150 Lariat Crew Cab Harley 2WD | $216 | $340 | $460 | $28 | $138 | $1,182 | $99 |
| F-150 Lariat King Ranch 2WD | $216 | $340 | $460 | $28 | $138 | $1,182 | $99 |
| F-150 Lariat King Ranch 4WD | $240 | $340 | $460 | $28 | $138 | $1,206 | $101 |
| F-150 Lariat Crew Cab Harley 4WD | $240 | $340 | $460 | $28 | $138 | $1,206 | $101 |
| F-150 Lariat Crew Cab Platinum 4WD | $240 | $340 | $460 | $28 | $138 | $1,206 | $101 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in vehicle location which can increase or decrease insurance rates considerably.
Finding decent, affordable insurance is not easy, and deciding which company has the best insurance rates for a Ford F-150 will take even more perseverance. Each company has their own guidelines to set policy rates, so let’s begin by taking a look at the insurance companies with the overall cheapest rates in Colorado Springs.
Compare Cheap Insurance Quotes for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $859 |
| 2 | Grange | $949 |
| 3 | USAA | $1,009 |
| 4 | Nationwide | $1,143 |
| 5 | GEICO | $1,152 |
| 6 | Auto-Owners | $1,156 |
| 7 | State Farm | $1,209 |
| 8 | Travelers | $1,219 |
| 9 | American Family | $1,314 |
| 10 | Progressive | $1,322 |
| 11 | Amica | $1,381 |
| 12 | Allied | $1,453 |
| 13 | California Casualty | $1,488 |
| 14 | Colorado Farm Bureau | $1,592 |
| 15 | Farmers | $1,613 |
| 16 | MetLife | $1,866 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,253 |
| 19 | Safeco | $2,522 |
| 20 | Titan | $2,657 |
| View More Rates Go | ||
The Hartford normally has some of the cheapest car insurance rates in Colorado Springs at around $859 per year. Grange, USAA, Nationwide, and GEICO are also some of the cheaper Colorado Springs, CO insurance companies.
As the example above demonstrates, if you are currently insured with Nationwide and switched to Grange, you might achieve an annual savings of in the vicinity of $194. Customers with GEICO might save as much as $203 a year, and Auto-Owners customers might see rate reductions of $207 a year.
If you would like to find cheaper car insurance rates, click here to start your custom quote or click several companies below for low rates.
Remember that these estimates are averages across all insureds and vehicles and do not take into consideration a vehicle location for a Ford F-150. So the insurer that has the cheapest price for you may not even be in the list above. That illustrates why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
Discounts on Colorado Springs car insurance
Auto insurance companies that offer coverage for a Ford F-150 could also offer price discounts that could reduce prices by 30% or more if you meet the requirements. Larger insurance companies and their offered discounts are:
- AAA offers premium reductions for good student, education and occupation, multi-car, good driver, and multi-policy.
- Progressive has savings for continuous coverage, online signing, multi-vehicle, multi-policy, online quote discount, and good student.
- State Farm has discounts for safe vehicle, Steer Clear safe driver discount, good driver, anti-theft, multiple policy, student away at school, and accident-free.
- Esurance offers discounts including multi-car, Switch & Save, anti-lock brakes, online shopper, paid-in-full, emergency road assistance, and DriveSense.
- Nationwide offers discounts for family plan, business or organization, accident-free, Farm Bureau membership, anti-theft, good student, and defensive driving.
The information below illustrates the difference between insurance premiums with and without discounts being applied to the rates. Data assumes a male driver, no claims or violations, Colorado state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, vehicle safety, safe-driver, multiple vehicle, and anti-theft discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for a Ford F-150 is 28% or $553.
Accidents and violations increase rates
A great way to get the cheapest insurance rates for a F-150 pickup is to drive safe and not get tickets or have accidents. The information below demonstrates how speeding tickets and accidents drive up yearly insurance costs for different ages of insureds. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
In the example above, the average cost of car insurance in Colorado per year with no violations or accidents is $1,842. Receive two speeding tickets and the average cost hikes up to $2,544, an increase of $702 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of insurance for a Ford F-150 goes up to an average of $5,145. That’s an increase of $3,303, or $275 per month, just for not driving attentively!
How to find the cheapest car insurance for a Ford F-150
The list below shows many thrifty solutions that can help Colorado Springs drivers locate lower-cost car insurance.
- Buy your homeowners policy from the same company as your auto insurance
- Safe vehicles generally have lower rates
- Do not pay for full coverage if not needed
- Avoid at-fault accidents and claims
- Increase your credit score
- Shop around for cheaper prices often
The last tip is particularly critical, as was discussed in this piece. Car insurance prices change a lot, so don’t be tentative to buy a policy from a new company if you can find a cheaper rate.
Loyalty to a specific company is fine, but it’s not a great idea if that faithfulness ends up costing you a lot of money every month. Take a couple minutes and compare prices to find cheaper car insurance for a Ford F-150 in Colorado Springs.
The agents below are a good start to answer your questions and help you decide which coverage meets your needs best, since many consumers aren’t sure which coverage to buy and prefer to have some advice when comparing insurance rates for a F-150 pickup. It’s not always simple to find the best rates on your own, and using a licensed agent can bring comfort knowing your policy gives you enough coverage when you need it.
To locate a Colorado Springs car insurance agency by location nearest to you, click the button at the bottom of the list.
- American Family Insurance – Mario Aragon Agency Inc.
1135 E Fillmore St – Colorado Springs, CO 80907 – (719) 570-0707 - Carlos Gonzalez, Jr. – State Farm Insurance Agent
1710 S Circle Dr – Colorado Springs, CO 80910 – (719) 900-7431 - Farmers Insurance – Michael Hendrickson
24 S Weber St #135 – Colorado Springs, CO 80903 – (719) 572-5938 - Springs Insurance Brokers
1837 Austin Bluffs Pkwy #101 – Colorado Springs, CO 80918 – (719) 268-1300