Buying competitive insurance for a Ford F-150 in Nevada depends on lots of different rating factors such as whether you are married, where you live, and the deductible amount you use. Drivers will pay on average $1,129 a year to insure their F-150, but that is a projection using a 30-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
If we were betting, you’re not a 30-year-old female, you might be married instead of single, and you may just want the cheapest liability coverage you can find. Everone’s needs are different, and this illustrates why the only real way to find the cheapest rates for your Ford is to compare rates from as many companies as possible.
Your vehicle’s trim level impacts the cost of coverage, so the price you pay to insure a F-150 XL Regular Cab 2WD model will be $294 cheaper than the insurance cost for the higher-priced F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $188 | $256 | $416 | $24 | $124 | $1,008 | $84 |
| F-150 STX Regular Cab 2WD | $188 | $328 | $416 | $24 | $124 | $1,080 | $90 |
| F-150 XL Super Cab 2WD | $188 | $328 | $416 | $24 | $124 | $1,080 | $90 |
| F-150 XLT Regular Cab 2WD | $188 | $328 | $416 | $24 | $124 | $1,080 | $90 |
| F-150 STX Super Cab 2WD | $188 | $328 | $416 | $24 | $124 | $1,080 | $90 |
| F-150 XL Crew Cab 2WD | $214 | $328 | $416 | $24 | $124 | $1,106 | $92 |
| F-150 XLT Super Cab 2WD | $214 | $328 | $416 | $24 | $124 | $1,106 | $92 |
| F-150 STX Regular Cab 4WD | $214 | $328 | $416 | $24 | $124 | $1,106 | $92 |
| F-150 XL Regular Cab 4WD | $214 | $328 | $416 | $24 | $124 | $1,106 | $92 |
| F-150 FX2 Super Cab 2WD | $214 | $328 | $416 | $24 | $124 | $1,106 | $92 |
| F-150 XLT Crew Cab 2WD | $214 | $328 | $416 | $24 | $124 | $1,106 | $92 |
| F-150 XL Super Cab 4WD | $214 | $328 | $416 | $24 | $124 | $1,106 | $92 |
| F-150 XLT Regular Cab 4WD | $214 | $328 | $416 | $24 | $124 | $1,106 | $92 |
| F-150 XL Crew Cab 4WD | $242 | $328 | $416 | $24 | $124 | $1,134 | $95 |
| F-150 STX Super Cab 4WD | $242 | $328 | $416 | $24 | $124 | $1,134 | $95 |
| F-150 XLT Super Cab 4WD | $242 | $328 | $416 | $24 | $124 | $1,134 | $95 |
| F-150 FX2 2WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 Lariat Super Cab 2WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 Lariat Crew Cab 2WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 FX4 Super Cab 4WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 XLT Crew Cab 4WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 FX4 4WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 Lariat Crew Cab 4WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 SVT Raptor Super Cab 4WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 Lariat Super Cab 4WD | $242 | $398 | $416 | $24 | $124 | $1,204 | $100 |
| F-150 Lariat Crew Cab Platinum 2WD | $242 | $468 | $416 | $24 | $124 | $1,274 | $106 |
| F-150 Lariat Crew Cab Harley 2WD | $242 | $468 | $416 | $24 | $124 | $1,274 | $106 |
| F-150 Lariat King Ranch 2WD | $242 | $468 | $416 | $24 | $124 | $1,274 | $106 |
| F-150 Lariat King Ranch 4WD | $270 | $468 | $416 | $24 | $124 | $1,302 | $109 |
| F-150 Lariat Crew Cab Harley 4WD | $270 | $468 | $416 | $24 | $124 | $1,302 | $109 |
| F-150 Lariat Crew Cab Platinum 4WD | $270 | $468 | $416 | $24 | $124 | $1,302 | $109 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in your specific Las Vegas location which can impact premium rates substantially.
Establishing which company has the cheapest auto insurance rates for a Ford F-150 takes a little more sweat in order to find the best policy. Each insurer has their own guidelines to set their prices, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Nevada.
Compare Cheap Insurance Quotes for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $912 |
| 2 | Allied | $939 |
| 3 | Capital | $1,008 |
| 4 | Oregon Mutual | $1,193 |
| 5 | American Family | $1,218 |
| 6 | Progressive | $1,238 |
| 7 | GEICO | $1,269 |
| 8 | Nationwide | $1,321 |
| 9 | USAA | $1,323 |
| 10 | Safeco | $1,346 |
| 11 | Farmers | $1,452 |
| 12 | MetLife | $1,583 |
| 13 | Country | $1,668 |
| 14 | State Farm | $1,681 |
| 15 | Mercury | $1,807 |
| 16 | Victoria | $2,011 |
| 17 | Liberty Mutual | $2,183 |
| 18 | Bristol West | $2,336 |
| 19 | Allstate | $2,385 |
| 20 | Encompass | $2,630 |
| Find Your Rate Go | ||
Travelers offers some of the most affordable car insurance rates in Las Vegas at around $912 per year. Allied, Capital, Oregon Mutual, and American Family are also some of the cheapest Las Vegas, NV insurance companies.
As depicted above, if you are a customer of Allied and switched to Travelers, you might achieve yearly savings of in the vicinity of $27. Drivers with Capital may save as much as $96 a year, and Oregon Mutual policyholders might cut rates by $281 a year.
These premiums are averages across all ages of drivers and types of vehicles and are not factoring in a vehicle location for a Ford F-150. So the company that has the cheapest rates for you may not even be in the list above. That illustrates why you need to get car insurance quotes using your own driver and vehicle profiles.
Full coverage or liability only
Saving money on auto insurance is the goal of the majority of vehicle owners, and a great way to pay lower rates for insurance for a Ford F-150 is to not pay for full coverage. The chart below illustrates the difference between annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Nevada. The information is based on no violations or claims, $100 deductibles, single marital status, and no other discounts are factored in.
If we average the cost for all age groups, full coverage costs $1,982 per year over and above liability coverage. Many drivers may wonder when is the right time to remove full coverage. There isn’t a steadfast formula to eliminate comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s pretend your vehicle’s replacement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $9,000 after the policy deductible has been paid. If you are currently paying more than $900 annually to have full coverage, then it could be time to drop full coverage.
There are some situations where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should maintain full coverage.
Last year’s bargain might be this year’s rip off
Las Vegas, NV auto insurance rates are calculated based on many things that control the price you pay. Turning one year older, buying a new vehicle, or getting a few speeding tickets may prompt premium changes that can now make some companies cheaper than competitors.
Also, insurance companies change the rates they charge in Nevada multiple times each year to help ensure profitability. An extended period of higher than normal claims can cause higher prices, while a better claims history can produce cheaper F-150 insurance rates.
To illustrate this example, the data below demonstrates which company has the cheapest car insurance in Las Vegas, NV for a 35-year-old male driver with a good driving record, no prior claims, and good credit. When quoting prices based on his current risk factors, Travelers may offer the lowest car insurance rates in Las Vegas at $1,612 annually. This is $38 more than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the rest of the cheapest Las Vegas, NV auto insurance companies.
Now we will give the driver from above an accident claim, slightly worse credit, and a speeding citation. Because each insurer has their own guidelines to set their prices, comparing insurance quotes could now result in a new list of affordable companies as shown below.
GEICO now has the best car insurance rate in Las Vegas, NV with Nationwide, USAA, Safeco, and Allied also having competitive pricing. This demonstrates why Nevada drivers need to shop around with many companies when trying to get cheap car insurance quotes for a Ford F-150. Car insurance prices consist of many things and change dramatically, so the lowest-price company two years ago may now be quite expensive.