How Much are Tampa Car Insurance Rates for a Ford F-150?

Buying cheap car insurance for a Ford F-150 in Florida depends on a complicated rating formula that uses factors such as how you use your vehicle, the performance level of your vehicle, and if you have a history of accidents. Florida drivers will pay on average $1,878 each year to insure their F-150, but that figure is an estimation calculated based on a 30-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.

This brings up the issue that more than likely you are not 30 years old and maybe not even female, married instead of single, and maybe your F-150 is older and does not require full coverage. Having just a slight change in rating variables could end up in a significant change in the coverage rate.

This demonstrates why the best method for finding cheap insurance prices for your Ford is to do a thorough rate comparison. It takes less than five minutes and you can get prices from some of the best companies that sell coverage in Florida.

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The trim level of your F-150 tends to impact the cost of insurance, so the cost to insure a F-150 XL Regular Cab 2WD model will be $578 less than the price to insure the more costly F-150 Lariat Crew Cab Platinum 4WD version, as shown in the chart below.

Ford F-150 Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $348 $514 $564 $34 $168 $1,628 $136
F-150 STX Regular Cab 2WD $348 $656 $564 $34 $168 $1,770 $148
F-150 XL Super Cab 2WD $348 $656 $564 $34 $168 $1,770 $148
F-150 XLT Regular Cab 2WD $348 $656 $564 $34 $168 $1,770 $148
F-150 STX Super Cab 2WD $348 $656 $564 $34 $168 $1,770 $148
F-150 XL Crew Cab 2WD $398 $656 $564 $34 $168 $1,820 $152
F-150 XLT Super Cab 2WD $398 $656 $564 $34 $168 $1,820 $152
F-150 STX Regular Cab 4WD $398 $656 $564 $34 $168 $1,820 $152
F-150 XL Regular Cab 4WD $398 $656 $564 $34 $168 $1,820 $152
F-150 FX2 Super Cab 2WD $398 $656 $564 $34 $168 $1,820 $152
F-150 XLT Crew Cab 2WD $398 $656 $564 $34 $168 $1,820 $152
F-150 XL Super Cab 4WD $398 $656 $564 $34 $168 $1,820 $152
F-150 XLT Regular Cab 4WD $398 $656 $564 $34 $168 $1,820 $152
F-150 XL Crew Cab 4WD $450 $656 $564 $34 $168 $1,872 $156
F-150 STX Super Cab 4WD $450 $656 $564 $34 $168 $1,872 $156
F-150 XLT Super Cab 4WD $450 $656 $564 $34 $168 $1,872 $156
F-150 FX2 2WD $450 $798 $564 $34 $168 $2,014 $168
F-150 Lariat Super Cab 2WD $450 $798 $564 $34 $168 $2,014 $168
F-150 Lariat Crew Cab 2WD $450 $798 $564 $34 $168 $2,014 $168
F-150 FX4 Super Cab 4WD $450 $798 $564 $34 $168 $2,014 $168
F-150 XLT Crew Cab 4WD $450 $798 $564 $34 $168 $2,014 $168
F-150 FX4 4WD $450 $798 $564 $34 $168 $2,014 $168
F-150 Lariat Crew Cab 4WD $450 $798 $564 $34 $168 $2,014 $168
F-150 SVT Raptor Super Cab 4WD $450 $798 $564 $34 $168 $2,014 $168
F-150 Lariat Super Cab 4WD $450 $798 $564 $34 $168 $2,014 $168
F-150 Lariat Crew Cab Platinum 2WD $450 $940 $564 $34 $168 $2,156 $180
F-150 Lariat Crew Cab Harley 2WD $450 $940 $564 $34 $168 $2,156 $180
F-150 Lariat King Ranch 2WD $450 $940 $564 $34 $168 $2,156 $180
F-150 Lariat King Ranch 4WD $500 $940 $564 $34 $168 $2,206 $184
F-150 Lariat Crew Cab Harley 4WD $500 $940 $564 $34 $168 $2,206 $184
F-150 Lariat Crew Cab Platinum 4WD $500 $940 $564 $34 $168 $2,206 $184
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates noticeably.

Ending up with the highest-rated auto insurance company is difficult considering how many companies there are to choose from in Tampa. The information shown below may help you pick which insurers to look at comparing price quotes from. These rankings are only made up of large, nationwide insurance companies, so smaller companies that only insure vehicles in Florida will not be included in this list.

Top 10 Major Auto Insurance Companies in Tampa Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Careless driving habits raise Tampa insurance rates

The easiest method to maintain affordable insurance rates for a F-150 pickup is to be an attentive driver and have a clean driving record. The chart below shows how traffic citations and accidents influence premium costs for each age group. The premiums assume a single female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of an auto insurance policy in Tampa per year with no violations or accidents is $2,989. Get written up for two speeding tickets and the average cost swells to $4,037, an increase of $1,048 each year. Then include two accidents along with the two speeding tickets and the yearly cost of insurance for a Ford F-150 goes up to an average of $7,550. That’s an increase of $4,561, or $380 per month, just for not driving responsibly!

Why are you paying too much to insure your F-150?

Tampa, FL insurance rates are influenced by many factors which can substantially decrease or increase the cost of having a policy. Simply having a birthday, having a teen driver, or having an at-fault accident may prompt premium changes resulting in some rates now being cheaper than competitors.

Additionally, car insurance companies file new Florida car insurance rates multiple times each year in order to maintain liquidity for claims. An unexpected high level of claims can result in high rates, while a profitable period can cause lower-cost F-150 insurance rates.

To illustrate this example, the bar chart below compares the cheapest car insurance in Tampa, FL for a 45-year-old female driver with no violations or accidents, and solid credit. If we estimate prices based on her current rating profile, USAA might quote the lowest car insurance rates in Tampa at $1,472 per year. This is $976 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury round out the rest of the cheapest Tampa, FL auto insurance companies.

Let’s now give the driver from the first example some claims, a little lower credit rating, and an imperfect driving record. Due to the fact that every insurance company has a unique formula to set policy rates, comparing rates may now result in a different set of affordable companies as shown below.

USAA now has the best price in Tampa with Allied, Esurance, GEICO, and State Farm completing the list. This shows why it is important to spend some time comparing rates to find the most economical insurance rates for a Ford F-150. Prices can be altered by many different factors and change dramatically, so the most affordable company the last time you shopped your coverage around may now be one of the higher cost companies.

How to find cheaper car insurance for a Ford F-150

The list below shows some of the better money-saving solutions that can help you buy more affordable auto insurance.

The last item on the list is notably necessary, as was emphasized in the prior information. Auto insurance prices adjust frequently, so don’t hesitate to buy from a new company if you can save money.

Staying with the same car insurance company is fine, but it’s not a great idea if that faithfulness ends up costing you a small fortune. Now is a great time to compare rates to find cheaper car insurance for a Ford F-150 in Tampa.

If you aren’t clear which coverage you need and would like to get some guidance when trying to find the best insurance rates for a Ford F-150, the agents below can help you make a decision which auto insurance coverages would be the best in your situation.

To locate a Tampa car insurance agency close to you, click the button at the bottom.

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