Finding competitive insurance for a Ford F-150 is pretty straightforward, but it depends on many factors such as how old the F-150 is, your claims history, and if you have a history of accidents. Drivers in Wisconsin will pay on average $842 annually to insure their F-150, but that amount is using a 30-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
There’s a high likelihood you are not 30 years old and maybe not even female, possibly married instead of single, or maybe you just want liability only. Just a minor difference in the criteria used to calculate rates can result in a big discrepancy in the cost of insurance for a Ford F-150.
Not everyone needs the same coverages, so the best way to find cheap auto insurance rates for your Ford is to do a thorough rate comparison. Get your free quotes now and you can get prices from some of the best insurers available.
The specific model of F-150 has an effect on the cost of coverage, so the rate you will pay to insure a F-150 XL Regular Cab 2WD trim level will be $220 less expensive the price to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $140 | $192 | $310 | $18 | $92 | $752 | $63 |
| F-150 STX Regular Cab 2WD | $140 | $244 | $310 | $18 | $92 | $804 | $67 |
| F-150 XL Super Cab 2WD | $140 | $244 | $310 | $18 | $92 | $804 | $67 |
| F-150 XLT Regular Cab 2WD | $140 | $244 | $310 | $18 | $92 | $804 | $67 |
| F-150 STX Super Cab 2WD | $140 | $244 | $310 | $18 | $92 | $804 | $67 |
| F-150 XL Crew Cab 2WD | $160 | $244 | $310 | $18 | $92 | $824 | $69 |
| F-150 XLT Super Cab 2WD | $160 | $244 | $310 | $18 | $92 | $824 | $69 |
| F-150 STX Regular Cab 4WD | $160 | $244 | $310 | $18 | $92 | $824 | $69 |
| F-150 XL Regular Cab 4WD | $160 | $244 | $310 | $18 | $92 | $824 | $69 |
| F-150 FX2 Super Cab 2WD | $160 | $244 | $310 | $18 | $92 | $824 | $69 |
| F-150 XLT Crew Cab 2WD | $160 | $244 | $310 | $18 | $92 | $824 | $69 |
| F-150 XL Super Cab 4WD | $160 | $244 | $310 | $18 | $92 | $824 | $69 |
| F-150 XLT Regular Cab 4WD | $160 | $244 | $310 | $18 | $92 | $824 | $69 |
| F-150 XL Crew Cab 4WD | $180 | $244 | $310 | $18 | $92 | $844 | $70 |
| F-150 STX Super Cab 4WD | $180 | $244 | $310 | $18 | $92 | $844 | $70 |
| F-150 XLT Super Cab 4WD | $180 | $244 | $310 | $18 | $92 | $844 | $70 |
| F-150 FX2 2WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 Lariat Super Cab 2WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 Lariat Crew Cab 2WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 FX4 Super Cab 4WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 XLT Crew Cab 4WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 FX4 4WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 Lariat Crew Cab 4WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 SVT Raptor Super Cab 4WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 Lariat Super Cab 4WD | $180 | $298 | $310 | $18 | $92 | $898 | $75 |
| F-150 Lariat Crew Cab Platinum 2WD | $180 | $350 | $310 | $18 | $92 | $950 | $79 |
| F-150 Lariat Crew Cab Harley 2WD | $180 | $350 | $310 | $18 | $92 | $950 | $79 |
| F-150 Lariat King Ranch 2WD | $180 | $350 | $310 | $18 | $92 | $950 | $79 |
| F-150 Lariat King Ranch 4WD | $202 | $350 | $310 | $18 | $92 | $972 | $81 |
| F-150 Lariat Crew Cab Harley 4WD | $202 | $350 | $310 | $18 | $92 | $972 | $81 |
| F-150 Lariat Crew Cab Platinum 4WD | $202 | $350 | $310 | $18 | $92 | $972 | $81 |
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in your specific Milwaukee location which can raise or lower rates greatly.
Insuring your vehicle with a high-quality auto insurance provider can be rather challenging considering how many companies are available to choose from in Wisconsin. The company rank data displayed below may help you decide which insurers to look at shopping prices with.
These rankings include the largest companies in the United States, so companies that focus mainly on Wisconsin business are not taken into consideration for the list. To get rate quotes from these top-rated insurers and more, simply click here.
Top 10 Major Car Insurance Companies Overall in Milwaukee
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Major Car Insurance Companies in Milwaukee Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
Cost comparison with and without full coverage
Paying less for car insurance is probably important to most drivers, and one of the fastest ways to buy cheaper insurance for a Ford F-150 is to not pay for full coverage. The information below compares auto insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no violations or accidents, $250 deductibles, single status, and no policy discounts are applied.
If we average all the age groups together, full coverage on your policy costs an additional $1,595 per year more than insuring for liability only. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no definitive formula to delete full coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s claim settlement value is $9,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $8,500 after paying your deductible. If premiums are more than $850 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some cases where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Careless drivers pay higher rates
The obvious way to obtain the most affordable car insurance rates in Wisconsin for a F-150 pickup is to drive attentively and not get tickets or have accidents. The illustration below illustrates how traffic citations and at-fault collisions impact car insurance rates for different age groups of insureds. The premiums are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of auto insurance in Milwaukee per year with no violations or accidents is $935. Factor in one speeding ticket and the average cost hikes up to $1,090, an increase of $154 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford F-150 jumps again to an average of $2,495. That’s an increase of $1,560, or $130 per month, just for not being a responsible driver!
Discount Milwaukee auto insurance
Insurance companies that offer coverage for a Ford F-150 may also give you special discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. A list of car insurance companies and a summarized list of policyholder discounts can be found below.
- 21st Century offers discounts including driver training, student driver, defensive driver, air bags, early bird, and teen driver.
- Progressive policyholders can earn discounts including multi-policy, continuous coverage, homeowner, multi-vehicle, online quote discount, good student, and online signing.
- State Farm has savings for passive restraint, student away at school, Drive Safe & Save, Steer Clear safe driver discount, good driver, good student, and defensive driving training.
- Nationwide may offer discounts for Farm Bureau membership, family plan, good student, accident-free, business or organization, and multi-policy.
- Esurance offers premium reductions for multi-car, good driver, DriveSense, online quote, and paid-in-full.
- The Hartford includes discounts for anti-theft, good student, defensive driver, air bag, driver training, and bundle.
The chart below illustrates the comparison of car insurance rates with and without discounts applied. Data assumes a male driver, no violations or accidents, Wisconsin state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, accident-free, claim-free, safe-driver, marriage, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for a Ford F-150 is 27% or $383.
The insurance agencies listed below can most likely help you decide which policy is best, as some drivers have questions and prefer to have a professional recommendation when shopping around for cheaper insurance for a F-150 pickup. It can be challenging to find the best coverage on your own, so getting advice from a licensed Wisconsin insurance agent can give satisfaction knowing you have sufficient coverage for your assets.
To find a Milwaukee insurance agency by location nearest to you, click the button below the list or click here to compare price quotes.
- American Family Insurance – Adam Altis
6015 W Forest Home Ave – Milwaukee, WI 53220 – (414) 321-9944 - Farmers Insurance – Walt Buckhanan
5406 N Lovers Lane Rd – Milwaukee, WI 53225 – (414) 269-8945 - American Family Insurance – Derold Barker
2215 E North Ave #1 – Milwaukee, WI 53202 – (414) 332-8350 - Farmers Insurance – Roger Channing
4369 S Howell Ave #201 – Milwaukee, WI 53207 – (414) 482-9400