Buying cheaper car insurance for a Ford F-150 in Minnesota is pretty easy to do, but it hinges on a large number of factors such as your age, the likelihood of vehicle theft, and driving violations. Drivers in Minnesota will pay around $922 per year to insure their F-150, but that price is an approximation based on a 30-year-old married female driver with full coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 30 years old or even a female, single instead of married, and you want different coverage limits than the example. Just a minor difference in rating criteria can result in a massive change in how much insurance for a Ford F-150 costs.
There is no perfect policy for every driver, so the best method for finding affordable rates for your Ford is to do the rate comparisons yourself. It takes less than five minutes and you will get price quotes from some of the best insurers that offer coverage in Minnesota.
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The trim level of your Ford will be a contributing factor to the annual cost of coverage, so the rate you pay to insure a F-150 XL Regular Cab 2WD model will cost $250 less than the insurance cost for the higher-end F-150 Lariat Crew Cab Platinum 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $168 | $210 | $324 | $20 | $96 | $818 | $68 |
| F-150 STX Regular Cab 2WD | $168 | $268 | $324 | $20 | $96 | $876 | $73 |
| F-150 XL Super Cab 2WD | $168 | $268 | $324 | $20 | $96 | $876 | $73 |
| F-150 XLT Regular Cab 2WD | $168 | $268 | $324 | $20 | $96 | $876 | $73 |
| F-150 STX Super Cab 2WD | $168 | $268 | $324 | $20 | $96 | $876 | $73 |
| F-150 XL Crew Cab 2WD | $194 | $268 | $324 | $20 | $96 | $902 | $75 |
| F-150 XLT Super Cab 2WD | $194 | $268 | $324 | $20 | $96 | $902 | $75 |
| F-150 STX Regular Cab 4WD | $194 | $268 | $324 | $20 | $96 | $902 | $75 |
| F-150 XL Regular Cab 4WD | $194 | $268 | $324 | $20 | $96 | $902 | $75 |
| F-150 FX2 Super Cab 2WD | $194 | $268 | $324 | $20 | $96 | $902 | $75 |
| F-150 XLT Crew Cab 2WD | $194 | $268 | $324 | $20 | $96 | $902 | $75 |
| F-150 XL Super Cab 4WD | $194 | $268 | $324 | $20 | $96 | $902 | $75 |
| F-150 XLT Regular Cab 4WD | $194 | $268 | $324 | $20 | $96 | $902 | $75 |
| F-150 XL Crew Cab 4WD | $218 | $268 | $324 | $20 | $96 | $926 | $77 |
| F-150 STX Super Cab 4WD | $218 | $268 | $324 | $20 | $96 | $926 | $77 |
| F-150 XLT Super Cab 4WD | $218 | $268 | $324 | $20 | $96 | $926 | $77 |
| F-150 FX2 2WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 Lariat Super Cab 2WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 Lariat Crew Cab 2WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 FX4 Super Cab 4WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 XLT Crew Cab 4WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 FX4 4WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 Lariat Crew Cab 4WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 SVT Raptor Super Cab 4WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 Lariat Super Cab 4WD | $218 | $326 | $324 | $20 | $96 | $984 | $82 |
| F-150 Lariat Crew Cab Platinum 2WD | $218 | $384 | $324 | $20 | $96 | $1,042 | $87 |
| F-150 Lariat Crew Cab Harley 2WD | $218 | $384 | $324 | $20 | $96 | $1,042 | $87 |
| F-150 Lariat King Ranch 2WD | $218 | $384 | $324 | $20 | $96 | $1,042 | $87 |
| F-150 Lariat King Ranch 4WD | $244 | $384 | $324 | $20 | $96 | $1,068 | $89 |
| F-150 Lariat Crew Cab Harley 4WD | $244 | $384 | $324 | $20 | $96 | $1,068 | $89 |
| F-150 Lariat Crew Cab Platinum 4WD | $244 | $384 | $324 | $20 | $96 | $1,068 | $89 |
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific Minneapolis garaging location which can raise or lower insurance rates significantly.
Best insurance company in Minneapolis
Ending up with a high-quality insurance provider is difficult considering how many companies provide coverage in Minneapolis. The ranking information in the lists below could help you decide which car insurance providers you want to consider comparing prices from. These rankings are only made up of major nationwide insurance companies, so companies that may only write in Minnesota are not taken into consideration for the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
Get discount Minneapolis insurance
Insurers that offer coverage for a Ford F-150 may provide policy discounts that could potentially reduce rates by 30% or more if you meet specific eligibility requirements. A few popular companies and a selection of discounts include:
- Progressive policyholders can earn discounts including continuous coverage, online signing, online quote discount, multi-vehicle, homeowner, good student, and multi-policy.
- SAFECO offers premium reductions for safe driver, teen safety rewards, bundle discounts, drive less, multi-car, accident prevention training, and anti-theft.
- American Family may have discounts that include mySafetyValet, air bags, defensive driver, Steer into Savings, and good driver.
- MetLife discounts include accident-free, good driver, good student, claim-free, and multi-policy.
- GEICO may offer discounts for good student, daytime running lights, five-year accident-free, seat belt use, anti-lock brakes, and multi-policy.
- The Hartford includes discounts for good student, driver training, defensive driver, vehicle fuel type, air bag, and anti-theft.
The diagram below compares insurance costs with and without some available policy discounts. The premiums are based on a female driver, no accidents or driving violations, Minnesota state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with anti-theft, multiple policy, defensive driving course, accident-free, homeowner, and marriage discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Ford F-150 is 28% or $523.
How accidents and tickets impact rates
The easiest way to earn the best insurance premiums in Minnesota for a F-150 pickup is to drive cautiously and avoid accidents and keep your driving record clean. The illustration below shows how traffic citations and at-fault fender-benders impact insurance prices for different insured age categories. The rate quotes are based on a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of auto insurance in Minneapolis per year with no accidents or violations is $1,447. Get two speeding tickets and the average cost surges to $1,987, an increase of $540 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for a Ford F-150 increases to an average of $2,516. That’s an increase of $1,069, or $89 per month, just for not being a responsible driver!
Full coverage rates vs. liability-only in Minneapolis
Paying a lower price for insurance is the goal of the majority of drivers, and a good way to save on the cost of insurance for a Ford F-150 is to buy liability only. The chart below illustrates the comparison of yearly insurance costs when comparing full coverage to liability only. The prices are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no additional discounts are factored in.
Averaged for all age groups, physical damage insurance costs an additional $2,191 per year more than insuring for liability only. That touches on the question if paying for full coverage is a waste of money. There is no definitive guideline of when to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.