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Find Cheaper Ford F-150 Insurance Rates in Colorado

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson

Insurance Lawyer

UPDATED: Mar 27, 2024

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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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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.

 

Ford F-150 Insurance Rates in Colorado
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $166 $232 $396 $24 $118 $936 $78
F-150 STX Regular Cab 2WD $166 $298 $396 $24 $118 $1,002 $84
F-150 XL Super Cab 2WD $166 $298 $396 $24 $118 $1,002 $84
F-150 XLT Regular Cab 2WD $166 $298 $396 $24 $118 $1,002 $84
F-150 STX Super Cab 2WD $166 $298 $396 $24 $118 $1,002 $84
F-150 XL Crew Cab 2WD $190 $298 $396 $24 $118 $1,026 $86
F-150 XLT Super Cab 2WD $190 $298 $396 $24 $118 $1,026 $86
F-150 STX Regular Cab 4WD $190 $298 $396 $24 $118 $1,026 $86
F-150 XL Regular Cab 4WD $190 $298 $396 $24 $118 $1,026 $86
F-150 FX2 Super Cab 2WD $190 $298 $396 $24 $118 $1,026 $86
F-150 XLT Crew Cab 2WD $190 $298 $396 $24 $118 $1,026 $86
F-150 XL Super Cab 4WD $190 $298 $396 $24 $118 $1,026 $86
F-150 XLT Regular Cab 4WD $190 $298 $396 $24 $118 $1,026 $86
F-150 XL Crew Cab 4WD $214 $298 $396 $24 $118 $1,050 $88
F-150 STX Super Cab 4WD $214 $298 $396 $24 $118 $1,050 $88
F-150 XLT Super Cab 4WD $214 $298 $396 $24 $118 $1,050 $88
F-150 FX2 2WD $214 $362 $396 $24 $118 $1,114 $93
F-150 Lariat Super Cab 2WD $214 $362 $396 $24 $118 $1,114 $93
F-150 Lariat Crew Cab 2WD $214 $362 $396 $24 $118 $1,114 $93
F-150 FX4 Super Cab 4WD $214 $362 $396 $24 $118 $1,114 $93
F-150 XLT Crew Cab 4WD $214 $362 $396 $24 $118 $1,114 $93
F-150 FX4 4WD $214 $362 $396 $24 $118 $1,114 $93
F-150 Lariat Crew Cab 4WD $214 $362 $396 $24 $118 $1,114 $93
F-150 SVT Raptor Super Cab 4WD $214 $362 $396 $24 $118 $1,114 $93
F-150 Lariat Super Cab 4WD $214 $362 $396 $24 $118 $1,114 $93
F-150 Lariat Crew Cab Platinum 2WD $214 $426 $396 $24 $118 $1,178 $98
F-150 Lariat Crew Cab Harley 2WD $214 $426 $396 $24 $118 $1,178 $98
F-150 Lariat King Ranch 2WD $214 $426 $396 $24 $118 $1,178 $98
F-150 Lariat King Ranch 4WD $238 $426 $396 $24 $118 $1,202 $100
F-150 Lariat Crew Cab Harley 4WD $238 $426 $396 $24 $118 $1,202 $100
F-150 Lariat Crew Cab Platinum 4WD $238 $426 $396 $24 $118 $1,202 $100
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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.

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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

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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.

 

Largest U.S. Car Insurance Company Ratings
Allstate Geico State Farm Progressive
Client Satisfaction 2nd 1st 4th 3rd
Number of Discounts 1st 2nd 3rd 4th
Claims Handling 1st 3rd 2nd 4th
Overall Price 4th 1st 2nd 3rd
Percent of U.S. market 10% 11.4% 18.3% 8.8%
Customer recommendation 86% 87% 88% 88%
Rideshare insurance Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes No Yes
Usage-based rating Yes No Yes Yes
Mechnical breakdown No Yes No Yes
Emergency roadside assistance Yes Yes Yes Yes
New car replacement Yes No No No
Offered in Colorado Yes Yes Yes Yes
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Frequently Asked Questions

How can I find cheaper insurance for my Ford F-150?

Finding cheaper insurance for your Ford F-150 can be achieved through several methods. Here are some tips to consider:

  • Compare Quotes: Obtain quotes from multiple insurance providers to compare their coverage options and premiums. Online insurance comparison websites can be useful in this process.
  • Increase Deductible: Opting for a higher deductible can lower your insurance premium. However, ensure you can comfortably afford the deductible amount in the event of a claim.
  • Utilize Discounts: Inquire with your insurance company about any available discounts for features such as anti-theft devices, safety features, multiple policies, or a good driving record.
  • Review Coverage Needs: Assess your insurance coverage needs carefully. If your Ford F-150 is older or has a lower value, you might consider reducing comprehensive or collision coverage.
  • Maintain a Good Driving Record: A clean driving record can positively impact your insurance rates. Avoid traffic violations and accidents, as they can result in higher premiums.

Are there any specific insurance providers that offer discounts for Ford F-150 owners?

While specific discounts may vary depending on the insurance provider, some companies offer specialized discounts for Ford F-150 owners. It’s essential to research and compare offers from different insurers to find the best fit for your needs. Additionally, some insurance providers may offer discounts for features like anti-theft devices, advanced safety features, or a good driving record, which can be beneficial for Ford F-150 owners.

Does the model year of my Ford F-150 affect insurance rates?

Yes, the model year of your Ford F-150 can influence insurance rates. Generally, newer models tend to have higher insurance premiums due to their higher value and cost of repairs. Older models may have lower premiums because they typically have a lower value. However, other factors like your driving history, location, and coverage options will also impact the insurance rates for your Ford F-150.

Can modifications or aftermarket additions to my Ford F-150 affect insurance premiums?

Yes, modifications or aftermarket additions to your Ford F-150 can impact insurance premiums. Some modifications, such as adding a lift kit, a more powerful engine, or custom paint jobs, may increase your insurance rates. These alterations can increase the risk associated with your vehicle or make it more attractive to thieves. It’s crucial to inform your insurance provider about any modifications or additions to ensure proper coverage and accurate premium calculations.

What other factors can affect the insurance rates for a Ford F-150?

Several factors can influence the insurance rates for a Ford F-150, including:

  • Your driving history: A clean driving record generally leads to lower insurance premiums.
  • Location: Insurance rates can vary depending on where you live due to factors such as local traffic, crime rates, and accident statistics.
  • Annual mileage: Higher mileage can lead to higher premiums, as it increases the risk of accidents.
  • Age and gender: Younger and less experienced drivers, particularly males, tend to have higher insurance rates.
  • Credit history: In some states or regions, insurance companies may consider your credit history when determining premiums.
  • Coverage options: The type and level of coverage you choose for your Ford F-150 will affect your insurance rates.
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