One of the more important components that are looked at to help calculate car insurance rates is your address in Sacramento. Areas with more people or more claims will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The next table lists the priciest cities in California for a Ford F-150 to buy an auto insurance policy in. Sacramento is listed at #5 with an annual premium of $1,669 for coverage, which is about $139 monthly.
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Annual rates are comparative as vehicle location can lower or raise coverage prices noticeably.
Locating reasonably-priced car insurance is hard enough, and deciding which companies have the cheapest car insurance rates for a Ford F-150 takes a bit more work.
Each insurer has a different formula to determine premium rates, so let’s take a look at the lowest cost car insurance companies in Sacramento. It’s a good idea to be aware that California car insurance rates are determined by lots of factors that can increase the price you pay. This price variability is why Sacramento drivers need to shop around to find the most affordable auto insurance quotes for a Ford F-150. Prices are determined by many risk factors and change dramatically, so the most economical option the last time you shopped your coverage around may now be one of the more expensive options.
Best Auto Insurance Prices for your F-150
|Rank||Company||Cost Per Year|
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USAA may offer some of the most affordable car insurance rates in Sacramento at around $1,143 a year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the cheaper Sacramento, CA car insurance companies.
As the example above demonstrates, if you currently have coverage with CSAA and switched to Wawanesa, you could realize annual savings of about $77. Customers with Nationwide may save as much as $93 a year, and 21st Century insureds might see rate reductions of $209 a year.
Bear in mind that those prices are averages for all insureds and vehicles and and are not figured with an exact location for a Ford F-150. So the auto insurance company that has the cheapest price for you may not even be in the top 24 companies shown above. That is why you need to compare prices as often as possible using your own personal information and vehicle type.
The car, truck, or SUV requiring coverage is one of the largest factors in finding the best insurance for a Ford F-150. Vehicles with limited top-end speed, an excellent safety record, or a track record of few liability claims will cost much less to insure than higher performance models. The next table features insurance costs for some of the most cost-effective vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,481|
|Ford Escape XLS 4WD||$1,488|
|Honda Accord LX-P 4-Dr Sedan||$1,481|
|Chevrolet Impala LT||$1,556|
|Ford Fusion S 4-Dr Sedan||$1,561|
|Dodge Grand Caravan SXT||$1,584|
|Toyota Tacoma Double Cab 4WD||$1,591|
|Ford Edge SE 2WD||$1,633|
|Honda Odyssey EX-L W/Navigation||$1,641|
|Ford F-150 STX Super Cab 4WD||$1,648|
|Nissan Altima Hybrid 4-Dr Sedan||$1,669|
|Chevrolet Silverado LT Regular Cab||$1,679|
|Nissan Rogue S AWD||$1,669|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,687|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$1,698|
|Chevrolet Equinox LS AWD||$1,700|
|Ford Focus S 4-Dr Sedan||$1,716|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$1,729|
|Chevrolet Malibu LT||$1,734|
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in specific Sacramento, CA garaging location which can change rates noticeably.
By looking at the data, we can presume that cars like the Toyota Prius, Honda CR-V, Ford Escape, Honda Accord, and Chevrolet Impala are some of the cheapest vehicles to insure for a F-150 pickup.
Liability only or full coverage
Reducing the cost of car insurance is the goal of most people, and one good way to find cheaper insurance for a Ford F-150 is to only buy liability coverage. The chart below compares insurance prices with full physical damage coverage and with liability coverage only. The data assumes no claims or violations, $1,000 deductibles, single marital status, and no discounts are applied.
If we average the cost for ages 20 through 70, physical damage coverage costs an additional $2,003 per year more than just buying liability insurance. Many of you may wonder when is the right time to remove full coverage. There is no written rule for eliminating comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your vehicle’s replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after you pay the deductible. If you are paying over $600 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some circumstances where removing full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage in place.
The information below highlights how deductible choice can influence yearly insurance costs when trying to find cheap insurance for a Ford F-150. The data is based on a married male driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 40-year-old driver could cut expenses by $416 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $626 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, can cut $1,398 or even more by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it is important to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to get discounts on Sacramento car insurance
Insurers that offer quotes for a Ford F-150 may also offer price discounts that can reduce rates by as much as 25% or more if you are eligible. Larger car insurance companies and some of the discounts are:
- GEICO has discounts for air bags, seat belt use, multi-policy, driver training, multi-vehicle, five-year accident-free, and defensive driver.
- Auto-Owners Insurance has savings for teen driver, paid in full, air bags, safe vehicle, and anti-lock brakes.
- American Family may offer discounts for good driver, air bags, bundled insurance, early bird, multi-vehicle, accident-free, and Steer into Savings.
- Esurance offers discounts for good student, Switch & Save, DriveSense, Pac-12 alumni, emergency road assistance, online quote, and multi-car.
- Progressive may have discounts that include multi-vehicle, online signing, homeowner, online quote discount, continuous coverage, and good student.
- State Farm may include discounts for student away at school, good student, defensive driving training, good driver, and multiple policy.
- AAA policyholders can earn discounts including anti-theft, multi-car, AAA membership discount, education and occupation, and good driver.
The information below illustrates the difference between insurance rates with and without discounts applied. The price estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, safe-driver, multiple vehicle, defensive driving course, homeowner, and claim-free discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for a Ford F-150 is 28% or $777.
How to find low-cost insurance for a Ford F-150
Lowering your rates is not difficult, and here are some of the better thrifty solutions that can help Sacramento drivers quote cheaper car insurance.
- Just one traffic violation will increase your rates
- Home or renters coverage can save on auto insurance
- Increase physical damage deductibles
- Good credit can mean cheaper rates
- Prevent rate increases by staying accident-free
- Try to remain claim-free
- Shop around for cheaper prices often
The last suggestion is very valuable, as was pointed out in this piece. Insurance rates change frequently, so drivers shouldn’t hesitate to buy a policy from a new company if you can save money. Having brand loyalty is commendable, but it’s not a great idea if that dedication is costing money that could be going to better use. Take a couple minutes and compare prices and find cheaper auto insurance for a Ford F-150 in Sacramento.
If you aren’t sure which coverage to buy and prefer to get some professional advice when shopping for the best coverage for a Ford F-150, the insurance agencies listed below can most likely help you determine which insurance coverage you need.
To find a Sacramento insurance agent closest to you, click the link after the list or click here to compare prices now.
GEICO Insurance Agent
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050
Rich Williams – State Farm Insurance Agent
1001 26th St – Sacramento, CA 95816 – (916) 447-8560
Skyles Insurance Agency
9840 Business Park Dr – Sacramento, CA 95827 – (888) 900-9989
Eugene C Yates Insurance
Sacramento, CA 95814 – Sacramento, CA 95814 – (916) 442-8841
Jordan Backhaus – State Farm Insurance Agent
4315 Elkhorn Blvd Ste B – Sacramento, CA 95842 – (916) 331-1135