Who Has Affordable Riverside Car Insurance for a Ford F-150?

Buying cheaper auto insurance for a Ford F-150 is pretty easy for most people to do, but it relies on a large number of factors such as the age of the F-150, whether or not you have prior claims, and the deductible amount you use. Drivers in California will pay on average $1,339 per year to insure their F-150, but that price is an estimation calculated using a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.

It’s more than likely you’re not a 30-year-old male, maybe you are married instead of single, or maybe your F-150 doesn’t need full coverage. Just a minor difference in rating criteria or coverage limits could result in a significant change in the cost of a policy.

Not every driver requires the same auto insurance coverages, so the way we recommend to find the cheapest coverage for your Ford is to compare as many rates as possible.

Cheapest Ford F-150 Insurance Rates

Your Ford’s trim level tends to have a direct effect on the annual cost of coverage, so the price you will be charged to insure a F-150 XL Regular Cab 2WD will be $286 less than the cost to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD trim level, as shown below.

Ford F-150 Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $210 $232 $578 $34 $174 $1,228 $102
F-150 STX Regular Cab 2WD $210 $298 $578 $34 $174 $1,294 $108
F-150 XL Super Cab 2WD $210 $298 $578 $34 $174 $1,294 $108
F-150 XLT Regular Cab 2WD $210 $298 $578 $34 $174 $1,294 $108
F-150 STX Super Cab 2WD $210 $298 $578 $34 $174 $1,294 $108
F-150 XL Crew Cab 2WD $240 $298 $578 $34 $174 $1,324 $110
F-150 XLT Super Cab 2WD $240 $298 $578 $34 $174 $1,324 $110
F-150 STX Regular Cab 4WD $240 $298 $578 $34 $174 $1,324 $110
F-150 XL Regular Cab 4WD $240 $298 $578 $34 $174 $1,324 $110
F-150 FX2 Super Cab 2WD $240 $298 $578 $34 $174 $1,324 $110
F-150 XLT Crew Cab 2WD $240 $298 $578 $34 $174 $1,324 $110
F-150 XL Super Cab 4WD $240 $298 $578 $34 $174 $1,324 $110
F-150 XLT Regular Cab 4WD $240 $298 $578 $34 $174 $1,324 $110
F-150 XL Crew Cab 4WD $272 $298 $578 $34 $174 $1,356 $113
F-150 STX Super Cab 4WD $272 $298 $578 $34 $174 $1,356 $113
F-150 XLT Super Cab 4WD $272 $298 $578 $34 $174 $1,356 $113
F-150 FX2 2WD $272 $362 $578 $34 $174 $1,420 $118
F-150 Lariat Super Cab 2WD $272 $362 $578 $34 $174 $1,420 $118
F-150 Lariat Crew Cab 2WD $272 $362 $578 $34 $174 $1,420 $118
F-150 FX4 Super Cab 4WD $272 $362 $578 $34 $174 $1,420 $118
F-150 XLT Crew Cab 4WD $272 $362 $578 $34 $174 $1,420 $118
F-150 FX4 4WD $272 $362 $578 $34 $174 $1,420 $118
F-150 Lariat Crew Cab 4WD $272 $362 $578 $34 $174 $1,420 $118
F-150 SVT Raptor Super Cab 4WD $272 $362 $578 $34 $174 $1,420 $118
F-150 Lariat Super Cab 4WD $272 $362 $578 $34 $174 $1,420 $118
F-150 Lariat Crew Cab Platinum 2WD $272 $426 $578 $34 $174 $1,484 $124
F-150 Lariat Crew Cab Harley 2WD $272 $426 $578 $34 $174 $1,484 $124
F-150 Lariat King Ranch 2WD $272 $426 $578 $34 $174 $1,484 $124
F-150 Lariat King Ranch 4WD $302 $426 $578 $34 $174 $1,514 $126
F-150 Lariat Crew Cab Harley 4WD $302 $426 $578 $34 $174 $1,514 $126
F-150 Lariat Crew Cab Platinum 4WD $302 $426 $578 $34 $174 $1,514 $126
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate quotes do not factor in your specific Riverside location which can impact premiums considerably.

Insuring your vehicle with the best insurance provider can be a challenge considering how many companies sell coverage in California. The rank data shown below could help you analyze which auto insurance companies you want to consider when shopping insurance around for a Ford F-150.

These ratings only include the companies with a significant amount of written premium nationwide, so companies without a large exposure are not factored into these rankings. If you would like to check rates from the insurers below and more, just click here.

Top 10 Large Auto Insurance Providers in Riverside Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Large Auto Insurance Providers in Riverside Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Types of discounts on Riverside car insurance

Cheaper Riverside, CA auto insurance for a F-150 pickupInsurance companies that offer coverage for a Ford F-150 may have price discounts that may potentially lower prices by as much as 30% if you meet the requirements. A few popular companies and some of the premium reductions they offer are outlined below.

The example below illustrates the difference between yearly insurance costs with and without policy discounts. The premiums assume a female driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, accident-free, passive restraint, vehicle safety, anti-theft, and safe-driver discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for a Ford F-150 is 28% or $801.

What aren’t you shopping around?

Riverside auto insurance rates are based on many factors that control the price you pay. Simply having a birthday, becoming a homeowner, or getting a few speeding tickets can produce rate changes that can cause some rates to be much cheaper than others. In addition, insurance companies amend pricing multiple times each year to reflect underwriting profits or losses. Higher than normal claims can result in higher prices, while a lower level of claims may produce more affordable F-150 insurance rates.

The chart below demonstrates which company has the cheapest car insurance in Riverside, CA for a 40-year-old female driver with a clean driving record, no accidents, and excellent credit. Based on her current risk factors, USAA offers the best car insurance rates in Riverside at $1,285 a year. This is $366 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining top five cheapest Riverside, CA auto insurance companies.

Now we will pretend the driver in the first example a claim, a lower credit score, and a few traffic violations. Since each auto insurance company uses their own calculation for setting prices, comparing prices may now show a different list of the cheapest car insurance companies in Riverside as shown below.

Grange now has the best auto insurance rate in Riverside, CA with Mercury, Progressive, GEICO, and Allied completing the list. This example shows why it is critical to spend some time comparing rates when trying to find the most budget-friendly auto insurance rates for a Ford F-150.

Auto insurance prices are determined by many things and can decrease or increase without notice, so the cheapest company six months ago may now be quite expensive.

Tips for finding low-cost auto insurance for a Ford F-150

The list below details many penny-pinching suggestions that can help California drivers find lower-cost car insurance.

That last tip is certainly important, as was emphasized in the article above. Insurance prices in Riverside fluctuate considerably, so don’t be afraid to switch companies if you find a cheaper price. Having a favorite company is fine, but it’s not a great idea if it’s costing you a small fortune. In just a few minutes you could compare prices and find cheaper auto insurance for a Ford F-150.

If you have questions and prefer to get help from a professional when shopping around for cheaper insurance for a F-150 pickup, the professional agents shown below are a good start to help you make a decision which coverages are best. To locate a Riverside insurance agent in your neighborhood, click the button after the list.

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