Buying cheap car insurance for a Ford F-150 in Arizona can be really easy, but it depends on many rating factors such as annual vehicle mileage, if you are a frequent claim filer, and any past driving violations you may have had. Arizona drivers will pay on average $1,016 a year to insure their F-150, but that is an estimate using a 50-year-old single male driver with full physical damage coverage and $250 deductibles.
But there is a high likelihood that you may not be 50 years old (or even male), maybe you are married instead of single, or maybe you just want liability only instead of full coverage. This demonstrates why the best method for finding the cheapest rates for your Ford is to just take the time to compare rates yourself. In less than five minutes you will be able to see rates from some of the most affordable companies in Arizona.
View Ford F-150 Insurance Rates
Your Ford’s trim level tends to have a direct impact on the coverage cost, so the price you will pay to insure a F-150 XL Regular Cab 2WD will be $292 lower than the insurance cost for the high end F-150 Lariat Crew Cab Platinum 4WD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $174 | $258 | $338 | $20 | $102 | $892 | $74 |
| F-150 STX Regular Cab 2WD | $174 | $330 | $338 | $20 | $102 | $964 | $80 |
| F-150 XL Super Cab 2WD | $174 | $330 | $338 | $20 | $102 | $964 | $80 |
| F-150 XLT Regular Cab 2WD | $174 | $330 | $338 | $20 | $102 | $964 | $80 |
| F-150 STX Super Cab 2WD | $174 | $330 | $338 | $20 | $102 | $964 | $80 |
| F-150 XL Crew Cab 2WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| F-150 XLT Super Cab 2WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| F-150 STX Regular Cab 4WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| F-150 XL Regular Cab 4WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| F-150 FX2 Super Cab 2WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| F-150 XLT Crew Cab 2WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| F-150 XL Super Cab 4WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| F-150 XLT Regular Cab 4WD | $200 | $330 | $338 | $20 | $102 | $990 | $83 |
| F-150 XL Crew Cab 4WD | $224 | $330 | $338 | $20 | $102 | $1,014 | $85 |
| F-150 STX Super Cab 4WD | $224 | $330 | $338 | $20 | $102 | $1,014 | $85 |
| F-150 XLT Super Cab 4WD | $224 | $330 | $338 | $20 | $102 | $1,014 | $85 |
| F-150 FX2 2WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 Lariat Super Cab 2WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 Lariat Crew Cab 2WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 FX4 Super Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 XLT Crew Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 FX4 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 Lariat Crew Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 SVT Raptor Super Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 Lariat Super Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| F-150 Lariat Crew Cab Platinum 2WD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| F-150 Lariat Crew Cab Harley 2WD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| F-150 Lariat King Ranch 2WD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| F-150 Lariat King Ranch 4WD | $250 | $474 | $338 | $20 | $102 | $1,184 | $99 |
| F-150 Lariat Crew Cab Harley 4WD | $250 | $474 | $338 | $20 | $102 | $1,184 | $99 |
| F-150 Lariat Crew Cab Platinum 4WD | $250 | $474 | $338 | $20 | $102 | $1,184 | $99 |
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in zip code location which can modify coverage rates greatly.
Picking a high-quality car insurance provider can be difficult considering how many different insurance companies sell coverage in Tucson. The company ratings listed below may help you pick which auto insurance companies to look at comparing prices from.
These ratings are only made up of companies who write in the majority of U.S. states, so smaller regional companies are not taken into consideration for this list. To check rates from these and other competitive companies, click this link.
Top 10 Major Auto Insurance Providers Overall in Tucson
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
The illustration below illustrates how your deductible choice can increase or decrease yearly insurance costs when quoting cheap insurance for a Ford F-150. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
In the chart above, a 30-year-old driver could pocket $278 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $418 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, can cut as much as $808 or more by using a higher deductible. If you do raise deductibles, it is necessary to have enough in a savings account to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.
Don’t stick with an overpriced policy
Tucson, AZ auto insurance rates are determined by lots of factors that will increase or decrease the price you have to pay for coverage. Getting older, having a teenage driver, or getting a speeding ticket may cause policy rate changes resulting in some rates now being more affordable than before. Not only may your risk profile change, but insurers amend premium rates without warning in order to be able to pay unexpected claims. Significantly higher claims may cause higher rates, while a better claims history may cause cheaper F-150 insurance rates.
The graph below shows a variety of companies that have the cheapest car insurance in Tucson, AZ for a 45-year-old female driver with no violations or accidents, and excellent credit. If we estimate rates based on her current risk factors, The Hartford might offer the best car insurance rates in Tucson at $1,041 annually. This is $387 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remainder of the cheapest Tucson, AZ auto insurance companies.
The example below compares rates after we give the driver in the first chart a chargeable accident, slightly worse credit, and a speeding ticket. Because each company uses their own calculation to set policy rates, analyzing rate quotes will most likely result in a different list of companies as shown below.
GEICO now has the cheapest auto insurance in Tucson with Ameriprise Group, Allied, CSAA, and Auto-Owners now being in the top five. This example illustrates why it is critical to take the time to shop around when trying to find affordable car insurance rates for a Ford F-150.
Auto insurance prices are impacted by many different factors and change dramatically, so the best option a year ago may now be priced much higher than other options.