Who Has Cheap Charlotte Auto Insurance Rates for a Ford F-150?

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Finding cheaper auto insurance for a Ford F-150 is dependent upon an enormous amount of rating factors such as whether the vehicle is new, your geographic location, and any prior driving offenses. Drivers in North Carolina will pay on average $754 per year for F-150 insurance, but that cost is an estimate based upon a 50-year-old single male driver with full physical damage coverage and $500 deductibles.

It's more than likely you're not a 50-year-old male, possibly married instead of single, or maybe you have a speeding ticket or two that will increase rates. Just a very minor change in rating criteria or coverage limits can make a big difference in policy price.

Each driver's needs are different, and that demonstrates why the only way to find the cheapest insurance price for your Ford is to put in the effort to do a thorough rate comparison. In just a few minutes you will receive price comparisons from top-rated car insurance companies that offer coverage in North Carolina.

View Ford F-150 Insurance Rates

The trim level of your vehicle will be a contributing factor to the annual cost of coverage, so the price to insure a F-150 XL Regular Cab 2WD will be $196 cheaper than the price to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD model, as shown below.

Ford F-150 Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $118 $174 $282 $16 $84 $674 $56
F-150 STX Regular Cab 2WD $118 $222 $282 $16 $84 $722 $60
F-150 XL Super Cab 2WD $118 $222 $282 $16 $84 $722 $60
F-150 XLT Regular Cab 2WD $118 $222 $282 $16 $84 $722 $60
F-150 STX Super Cab 2WD $118 $222 $282 $16 $84 $722 $60
F-150 XL Crew Cab 2WD $134 $222 $282 $16 $84 $738 $62
F-150 XLT Super Cab 2WD $134 $222 $282 $16 $84 $738 $62
F-150 STX Regular Cab 4WD $134 $222 $282 $16 $84 $738 $62
F-150 XL Regular Cab 4WD $134 $222 $282 $16 $84 $738 $62
F-150 FX2 Super Cab 2WD $134 $222 $282 $16 $84 $738 $62
F-150 XLT Crew Cab 2WD $134 $222 $282 $16 $84 $738 $62
F-150 XL Super Cab 4WD $134 $222 $282 $16 $84 $738 $62
F-150 XLT Regular Cab 4WD $134 $222 $282 $16 $84 $738 $62
F-150 XL Crew Cab 4WD $152 $222 $282 $16 $84 $756 $63
F-150 STX Super Cab 4WD $152 $222 $282 $16 $84 $756 $63
F-150 XLT Super Cab 4WD $152 $222 $282 $16 $84 $756 $63
F-150 FX2 2WD $152 $270 $282 $16 $84 $804 $67
F-150 Lariat Super Cab 2WD $152 $270 $282 $16 $84 $804 $67
F-150 Lariat Crew Cab 2WD $152 $270 $282 $16 $84 $804 $67
F-150 FX4 Super Cab 4WD $152 $270 $282 $16 $84 $804 $67
F-150 XLT Crew Cab 4WD $152 $270 $282 $16 $84 $804 $67
F-150 FX4 4WD $152 $270 $282 $16 $84 $804 $67
F-150 Lariat Crew Cab 4WD $152 $270 $282 $16 $84 $804 $67
F-150 SVT Raptor Super Cab 4WD $152 $270 $282 $16 $84 $804 $67
F-150 Lariat Super Cab 4WD $152 $270 $282 $16 $84 $804 $67
F-150 Lariat Crew Cab Platinum 2WD $152 $318 $282 $16 $84 $852 $71
F-150 Lariat Crew Cab Harley 2WD $152 $318 $282 $16 $84 $852 $71
F-150 Lariat King Ranch 2WD $152 $318 $282 $16 $84 $852 $71
F-150 Lariat King Ranch 4WD $170 $318 $282 $16 $84 $870 $73
F-150 Lariat Crew Cab Harley 4WD $170 $318 $282 $16 $84 $870 $73
F-150 Lariat Crew Cab Platinum 4WD $170 $318 $282 $16 $84 $870 $73
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in zip code location which can revise premiums substantially.

Which insurance company is best in North Carolina?

Picking the top company is difficult considering how many choices drivers have in North Carolina. The company rank data in the lists below can help you pick which providers you want to consider when shopping your coverage around. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on North Carolina business are not taken into consideration for these rankings.

Best 15 Insurance Companies for a Ford F-150 in North Carolina
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

Should you buy full coverage?

Reducing the cost of insurance is important to most drivers, and an easy way to pay less for insurance for a Ford F-150 is to not buy comprehensive and collision coverage. The information below illustrates the difference between insurance rates when comparing full coverage to liability only. The data is based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.

If the expense is averaged for all age categories, full coverage costs $1,734 per year over liability only. At some point, about every driver wonders if it's worth it to buy full coverage. There is no clear-cut formula for phasing out full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

There are some conditions where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

The information below highlights how deductible selection can impact insurance premiums when getting quotes for cheap insurance for a Ford F-150. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The chart above illustrates that a 30-year-old driver could pocket $198 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $304 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could reduce their rates as much as $598 each year just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is essential to have enough spare savings to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to find the cheapest insurance for a Ford F-150

The list below details some of the better penny-pinching ideas that can help drivers buy lower-cost car insurance.

The last item on the list is notably valuable, as we discussed in the prior article. Coverage rates in Charlotte change frequently, so don't be hesitant to buy a policy from a new company if a cheaper rate is available. Staying with the same car insurance company is fine, but it's not a good idea if that stubbornness costs you big bucks every year. It only take a few minutes to compare prices and find cheaper car insurance for a Ford F-150.

The insurance agents in Charlotte listed below can help you make a decision which coverage meets your needs best, as some drivers aren't sure which coverage they need and prefer to get some guidance when shopping for cheaper insurance for a Ford F-150. It's not always simple to find the cheapest rates, so agents can add satisfaction knowing you have adequate protection in case of an accident or claim.

To find an auto insurance agency using an interactive map, click the button at the bottom.

David Stroman - State Farm Insurance Agent
210 East Trade Street, C-340 - Charlotte, NC 28202 - (704) 332-1970

State Farm: Jeremy Fulkerson
4805 Park Rd #103 - Charlotte, NC 28209 - (704) 523-9005

Matt "Woody" Woodford - State Farm Insurance Agent
501 S Sharon Amity Rd #200 - Charlotte, NC 28211 - (704) 971-3030

Michael Grant - State Farm Insurance Agent
1727 East Blvd - Charlotte, NC 28203 - (704) 373-7444

Pegram Insurance Agency
9010 Glenwater Dr #103 - Charlotte, NC 28262 - (704) 494-9495

Find a Charlotte, NC insurance agent near you