Buying cheaper auto insurance for a Ford F-150 is dependent upon a large number of rating criteria such as whether you are married or single, your credit history, and citations on your driving record. Colorado drivers will pay around $1,445 per year for F-150 insurance, but that is a valuation using a 30-year-old single female driver with full coverage and $250 deductibles.

Most likely you are not 30 years old and maybe not even female, married instead of single, or you just prefer to insure for liability only. Insurance is an individual thing, so the way we recommend to find the most affordable coverage for your Ford is to do a thorough rate comparison. Get your free quotes now and you will receive prices from some of the best insurers available.

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Vehicle trim level will have an impact the cost of coverage, so the cost to insure a F-150 XL Regular Cab 2WD trim level will be $416 less expensive the price to insure the higher-end F-150 Lariat Crew Cab Platinum 4WD trim level, 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 $262 $362 $474 $28 $142 $1,268 $106
F-150 STX Regular Cab 2WD $262 $462 $474 $28 $142 $1,368 $114
F-150 XL Super Cab 2WD $262 $462 $474 $28 $142 $1,368 $114
F-150 XLT Regular Cab 2WD $262 $462 $474 $28 $142 $1,368 $114
F-150 STX Super Cab 2WD $262 $462 $474 $28 $142 $1,368 $114
F-150 XL Crew Cab 2WD $302 $462 $474 $28 $142 $1,408 $117
F-150 XLT Super Cab 2WD $302 $462 $474 $28 $142 $1,408 $117
F-150 STX Regular Cab 4WD $302 $462 $474 $28 $142 $1,408 $117
F-150 XL Regular Cab 4WD $302 $462 $474 $28 $142 $1,408 $117
F-150 FX2 Super Cab 2WD $302 $462 $474 $28 $142 $1,408 $117
F-150 XLT Crew Cab 2WD $302 $462 $474 $28 $142 $1,408 $117
F-150 XL Super Cab 4WD $302 $462 $474 $28 $142 $1,408 $117
F-150 XLT Regular Cab 4WD $302 $462 $474 $28 $142 $1,408 $117
F-150 XL Crew Cab 4WD $340 $462 $474 $28 $142 $1,446 $121
F-150 STX Super Cab 4WD $340 $462 $474 $28 $142 $1,446 $121
F-150 XLT Super Cab 4WD $340 $462 $474 $28 $142 $1,446 $121
F-150 FX2 2WD $340 $562 $474 $28 $142 $1,546 $129
F-150 Lariat Super Cab 2WD $340 $562 $474 $28 $142 $1,546 $129
F-150 Lariat Crew Cab 2WD $340 $562 $474 $28 $142 $1,546 $129
F-150 FX4 Super Cab 4WD $340 $562 $474 $28 $142 $1,546 $129
F-150 XLT Crew Cab 4WD $340 $562 $474 $28 $142 $1,546 $129
F-150 FX4 4WD $340 $562 $474 $28 $142 $1,546 $129
F-150 Lariat Crew Cab 4WD $340 $562 $474 $28 $142 $1,546 $129
F-150 SVT Raptor Super Cab 4WD $340 $562 $474 $28 $142 $1,546 $129
F-150 Lariat Super Cab 4WD $340 $562 $474 $28 $142 $1,546 $129
F-150 Lariat Crew Cab Platinum 2WD $340 $662 $474 $28 $142 $1,646 $137
F-150 Lariat Crew Cab Harley 2WD $340 $662 $474 $28 $142 $1,646 $137
F-150 Lariat King Ranch 2WD $340 $662 $474 $28 $142 $1,646 $137
F-150 Lariat King Ranch 4WD $378 $662 $474 $28 $142 $1,684 $140
F-150 Lariat Crew Cab Harley 4WD $378 $662 $474 $28 $142 $1,684 $140
F-150 Lariat Crew Cab Platinum 4WD $378 $662 $474 $28 $142 $1,684 $140
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in zip code location which can raise or lower auto insurance rates noticeably.

Car insurance company ratings

Insuring your vehicle with a good quality car insurance company can be a challenge considering how many choices drivers have in Colorado. The information shown below can help you pick which coverage providers to look at purchasing coverage from. These rankings only include the largest companies in the United States, so companies that have a smaller presence are not factored into the list.

Top 10 Major Auto Insurers in Colorado Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA Insurance - 91%
  4. Nationwide - 90%
  5. State Farm - 90%
  6. The Hartford - 89%
  7. GEICO - 89%
  8. Allstate - 88%
  9. 21st Century - 88%
  10. The General - 88%

Top 10 Major Auto Insurers Overall in Colorado

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

Top Companies for Ford F-150 Insurance in Colorado

The example below highlights how deductible selection can affect insurance premiums when researching cheap insurance for a Ford F-150 in Colorado. Data assumes a single female driver, full coverage, and no additional discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $400 a year by changing from a $100 deductible to a $500 deductible, or save $604 by using a $1,000 deductible. Younger drivers, like the age 20 example, can cut as much as $1,014 every year just by choosing higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Responsible drivers pay cheaper car insurance rates

The best way to find the best car insurance prices in Colorado for a F-150 pickup is to drive attentively and avoid getting tickets or having accidents. The chart below illustrates how traffic citations and fender-benders increase car insurance rates for different ages of insureds. The information is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

The chart shows that the average cost of an auto insurance policy in Colorado per year with no violations or accidents is $1,803. Add in one speeding ticket and the average cost swells to $2,045, an increase of $242 each year. Then throw in one accident along with the one speeding ticket and the annual cost of car insurance for a Ford F-150 in Colorado increases to an average of $2,716. That's an increase of $913, or $76 per month, just for not paying attention while driving!

How to find budget-friendly car insurance for a Ford F-150

Lowering your rates is not difficult, and here are many penny-pinching suggestions that can help Colorado drivers get low-cost auto insurance.

The last idea is especially crucial, as we pointed out in this write-up. Prices charged by companies can be adjusted at any time, so drivers shouldn't hesitate to change to a new company if a better deal can be had. Being loyal to a particular company is commendable, but it's not a good idea if that loyalty results in overpaying a wad of cash every year. It only take a few minutes to compare rates and find cheaper car insurance for a Ford F-150.