Auto Insurance Rates for a Ford F-350 in Riverside

Insurance for Ford F-350Would you prefer to buy more affordable Ford F-350 insurance in Riverside? Are you frustrated by the sheer number of car insurance choices available to you? California consumers have so many options that it can easily become a real hassle to lower your prices for Ford F-350 insurance in Riverside. Riverside is a good city to live in, but expensive car insurance rates can make it hard for many drivers to afford.

Unfortunately, a large majority of car insurance policyholders kept buying from the same company for a minimum of four years, and almost 40% of drivers have never shopped around. Many consumers in California could save nearly 35% every year just by comparing rates, but most just don’t grasp the large savings they would see if they replace their high priced policy.

The fastest way that we advise to compare policy rates for Ford F-350 insurance in Riverside is to know most of the bigger providers provide online access to give you rate quotes. To get started, all you need to do is give them some information such as any included safety features, how old drivers are, coverage limits, and your general credit rating. Your insurance information is automatically sent to many highly-rated insurers and they provide comparison quotes with very little delay.

To check rates for your car now, click here and enter your coverage details.

The companies shown below are ready to provide free quotes in Riverside, CA. If multiple companies are shown, we suggest you compare several of them in order to find the most affordable rates.

Auto insurance is not optional but you don’t have to overpay

Even though it’s not necessarily cheap to insure a Ford in Riverside, auto insurance is not optional due to several reasons.

First, most states have mandatory insurance requirements which means you are required to buy specific limits of liability protection if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your car, almost all lenders will have a requirement that you buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank or lender will purchase a policy for your Ford at a much higher premium rate and force you to reimburse them the higher premium.

Third, auto insurance protects both your assets and your car. Insurance will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. The average driver in California is overpaying more than $855 a year so it’s recommended you shop around at least once a year to be sure current rates are still competitive.

Data for Ford F-350 insurance

The premium information displayed below covers different insurance costs for Ford F-350 models. Having a better idea how policy premiums are formulated can be valuable when making smart choices when choosing a car insurance company.


Ford F-350 Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $374 $664 $676 $40 $202 $1,956 $163
F-350 XL Super Cab 4WD $374 $664 $676 $40 $202 $1,956 $163
F-350 XL Super Cab 2WD $416 $564 $450 $26 $134 $1,590 $133
F-350 Super Cab Cabela Package 4WD $416 $664 $676 $40 $202 $1,998 $167
F-350 Super Cab Cabela Package 2WD $416 $664 $450 $26 $134 $1,690 $141
F-350 XL Crew Cab 2WD $416 $664 $450 $26 $134 $1,690 $141
F-350 Crew Cab Harley Edition 4WD $416 $664 $676 $40 $202 $1,998 $167
F-350 Super Cab Harley Edition 4WD $416 $664 $676 $40 $202 $1,998 $167
F-350 Crew Cab King Ranch 4WD $416 $664 $676 $40 $202 $1,998 $167
F-350 XLT Crew Cab 4WD $416 $664 $676 $40 $202 $1,998 $167
F-350 XL Super Cab Turbo Diesel 4WD $416 $664 $676 $40 $202 $1,998 $167
F-350 XLT Super Cab 4WD $416 $664 $676 $40 $202 $1,998 $167
F-350 XLT Super Cab 2WD $416 $664 $450 $26 $134 $1,690 $141
F-350 XL Crew Cab Cabela Package 2WD $416 $664 $450 $26 $134 $1,690 $141
F-350 XL Crew Cab King Ranch 2WD $416 $664 $450 $26 $134 $1,690 $141
F-350 Crew Cab Lariat 4WD $416 $764 $676 $40 $202 $2,098 $175
F-350 Crew Cab King Ranch Turbo Diesel 4WD $416 $764 $676 $40 $202 $2,098 $175
F-350 Crew Cab Cabela Package 4WD $416 $764 $676 $40 $202 $2,098 $175
F-350 XL Crew Cab Turbo Diesel 4WD $416 $764 $676 $40 $202 $2,098 $175
F-350 Super Cab Lariat 4WD $416 $764 $676 $40 $202 $2,098 $175
F-350 Super Cab Cabela Turbo Diesel 4WD $416 $764 $676 $40 $202 $2,098 $175
F-350 XLT Super Cab Turbo Diesel 4WD $416 $764 $676 $40 $202 $2,098 $175
F-350 Super Cab Lariat 2WD $458 $664 $450 $26 $134 $1,732 $144
F-350 XL Super Cab Turbo Diesel 2WD $458 $664 $450 $26 $134 $1,732 $144
F-350 Super Cab Harley Edition 2WD $458 $664 $450 $26 $134 $1,732 $144
F-350 XLT Crew Cab 2WD $458 $664 $450 $26 $134 $1,732 $144
F-350 XLT Crew Cab Lariat 2WD $458 $664 $450 $26 $134 $1,732 $144
F-350 XLT Crew Cab Harley Edition 2WD $458 $664 $450 $26 $134 $1,732 $144
F-350 XL Crew Cab Turbo Diesel 2WD $458 $664 $450 $26 $134 $1,732 $144
F-350 Super Cab Lariat Turbo Diesel 4WD $458 $764 $676 $40 $202 $2,140 $178
F-350 XLT Crew Cab Turbo Diesel 4WD $458 $764 $676 $40 $202 $2,140 $178
F-350 Crew Cab Harley Turbo Diesel 4WD $458 $764 $676 $40 $202 $2,140 $178
F-350 Super Cab Harley Turbo Diesel 4WD $458 $764 $676 $40 $202 $2,140 $178
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $458 $764 $450 $26 $134 $1,832 $153
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $458 $764 $450 $26 $134 $1,832 $153
F-350 Super Cab Harley Turbo Diesel 2WD $458 $764 $450 $26 $134 $1,832 $153
F-350 Super Cab Cabela Turbo Diesel 2WD $458 $764 $450 $26 $134 $1,832 $153
F-350 Super Cab XLT Turbo Diesel 2WD $458 $764 $450 $26 $134 $1,832 $153
F-350 Crew Cab Lariat Turbo Diesel 4WD $458 $764 $676 $40 $202 $2,140 $178
F-350 Crew Cab Cabela Turbo Diesel 4WD $458 $764 $676 $40 $202 $2,140 $178
F-350 Crew Cab Lariat Turbo Diesel 2WD $458 $764 $450 $26 $134 $1,832 $153
F-350 Super Cab Lariat Turbo Diesel 2WD $458 $764 $450 $26 $134 $1,832 $153
Get Your Own Custom Quote Go

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in specific garaging location which can affect rates greatly.

Full coverage or liability only

The illustration below illustrates the difference between Ford F-350 car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive formula to drop comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Ford F-350 replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually to have full coverage, then it might be time to buy liability only.

There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Save money by getting discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you purchase, but occasionally some discounts must be asked for prior to receiving the credit.Cheaper insurance with discounts

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

The information below compares Ford F-350 insurance rates with and without discounts applied to the rates. The premiums assume a female driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, marriage, and claim-free discounts applied.

To see a list of insurers that offer discounts in Riverside, follow this link.

California auto insurance company ratings

Ending up with a highly-rated auto insurance provider can be difficult considering how many different companies sell coverage in California. The rank data below could help you analyze which insurers to look at shopping prices with.

Top 10 Riverside Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive