Find Cheaper Ford F-150 Insurance Rates in Colorado

Your chances of buying cheaper car insurance for a Ford F-150 in Colorado is contingent on a pretty complex algorithm that uses a lot of factors like if you are married or single, whether or not you garage your vehicle, and if your driving record shows any at-fault accidents. Drivers pay on average $1,050 every 12 months for F-150 insurance, but that rate is an approximation that uses rate data for a 50-year-old single female driver that included full coverage including both comprehensive and collision and $500 physical damage deductibles.

More than likely, you may not be 50 years old (or even female), possibly married instead of single, or maybe you need higher liability limits than the state minimum. Every policy is rated specifically for the driver, so your best shot at finding cheap auto insurance rates for your Ford is to shop your policy around every couple of years.

The trim level of your Ford tends to have a direct impact on the cost of insurance, so the cost to insure a F-150 XL Regular Cab 2WD model will be $266 less than the price to insure the fancier F-150 Lariat Crew Cab Platinum 4WD version, as shown in the prices below.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in specific zip code location which can decrease or increase coverage prices considerably.

Ratings for Colorado insurance companies

Buying coverage from the highest-rated auto insurance provider can be a challenge considering how many companies are available to choose from in Colorado. The ranking information displayed below can help you select which car insurance companies you want to consider purchasing from.

These rankings include companies who write in the majority of U.S. states, so companies that have a smaller presence are not included in this list. To check prices from these and other companies in Colorado, click here.

Top 10 Large Auto Insurance Companies in Colorado Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. State Farm
7. AAA Insurance
8. Nationwide
9. Allstate
10. 21st Century

Top 10 Large Auto Insurance Companies in Colorado Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Titan Insurance – A+
8. Progressive – A+
9. Allstate – A+
10. Nationwide – A+

Top Companies for Ford F-150 Insurance in Colorado

Price comparison of only insuring for liability

Finding cheap insurance for a Ford F-150 in Colorado is the goal of the majority of drivers, and a great way to find cheaper insurance is to only buy liability coverage. The example below illustrates the comparison of premium costs with full physical damage coverage and with liability coverage only. The rates are based on no violations or accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.

Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,035 per year more than just insuring for liability. That is a significant amount which raises the question if it’s a good idea to buy full coverage. There is no exact rule to exclude physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

There are some conditions where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Allstate, Geico, State Farm, or Progressive: Who is cheapest?

If you are shopping around for auto insurance, the four most popular companies are Allstate, Geico, State Farm, and Progressive. Combined they make up 48.5% of all policies written. The table below illustrates pricing and service ratings, plus some optional coverages that are available for buyers.