What Insurance is Cheapest for a Ford F-150 in Cincinnati?

Finding affordable coverage for a Ford F-150 in Ohio doesn’t take a lot of effort, but it hinges on many factors such as your birth date, your credit history, and your motor vehicle report. Drivers pay approximately $756 per year to insure their F-150, but that cost is an estimation using a 50-year-old single female driver with full physical damage coverage and $250 deductibles.

This brings up the issue that more than likely you’re not a 50-year-old female, you might be married instead of single, or maybe you just want different deductibles. Insurance is an individual thing, so the way we recommend to find cheap insurance prices for your Ford is to do a thorough rate comparison. Get your free quotes now and you will be able to see rates from top-rated car insurance companies that insure vehicles in Ohio.

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Your vehicle’s trim level will most likely have an effect on the insurance rate, so the cost to insure a F-150 XL Regular Cab 2WD will cost $214 less than the insurance cost for the more costly F-150 Lariat Crew Cab Platinum 4WD trim level, as shown below.

Ford F-150 Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $132 $186 $256 $16 $76 $666 $56
F-150 STX Regular Cab 2WD $132 $238 $256 $16 $76 $718 $60
F-150 XL Super Cab 2WD $132 $238 $256 $16 $76 $718 $60
F-150 XLT Regular Cab 2WD $132 $238 $256 $16 $76 $718 $60
F-150 STX Super Cab 2WD $132 $238 $256 $16 $76 $718 $60
F-150 XL Crew Cab 2WD $150 $238 $256 $16 $76 $736 $61
F-150 XLT Super Cab 2WD $150 $238 $256 $16 $76 $736 $61
F-150 STX Regular Cab 4WD $150 $238 $256 $16 $76 $736 $61
F-150 XL Regular Cab 4WD $150 $238 $256 $16 $76 $736 $61
F-150 FX2 Super Cab 2WD $150 $238 $256 $16 $76 $736 $61
F-150 XLT Crew Cab 2WD $150 $238 $256 $16 $76 $736 $61
F-150 XL Super Cab 4WD $150 $238 $256 $16 $76 $736 $61
F-150 XLT Regular Cab 4WD $150 $238 $256 $16 $76 $736 $61
F-150 XL Crew Cab 4WD $170 $238 $256 $16 $76 $756 $63
F-150 STX Super Cab 4WD $170 $238 $256 $16 $76 $756 $63
F-150 XLT Super Cab 4WD $170 $238 $256 $16 $76 $756 $63
F-150 FX2 2WD $170 $290 $256 $16 $76 $808 $67
F-150 Lariat Super Cab 2WD $170 $290 $256 $16 $76 $808 $67
F-150 Lariat Crew Cab 2WD $170 $290 $256 $16 $76 $808 $67
F-150 FX4 Super Cab 4WD $170 $290 $256 $16 $76 $808 $67
F-150 XLT Crew Cab 4WD $170 $290 $256 $16 $76 $808 $67
F-150 FX4 4WD $170 $290 $256 $16 $76 $808 $67
F-150 Lariat Crew Cab 4WD $170 $290 $256 $16 $76 $808 $67
F-150 SVT Raptor Super Cab 4WD $170 $290 $256 $16 $76 $808 $67
F-150 Lariat Super Cab 4WD $170 $290 $256 $16 $76 $808 $67
F-150 Lariat Crew Cab Platinum 2WD $170 $342 $256 $16 $76 $860 $72
F-150 Lariat Crew Cab Harley 2WD $170 $342 $256 $16 $76 $860 $72
F-150 Lariat King Ranch 2WD $170 $342 $256 $16 $76 $860 $72
F-150 Lariat King Ranch 4WD $190 $342 $256 $16 $76 $880 $73
F-150 Lariat Crew Cab Harley 4WD $190 $342 $256 $16 $76 $880 $73
F-150 Lariat Crew Cab Platinum 4WD $190 $342 $256 $16 $76 $880 $73
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can alter auto insurance rates greatly.

Figuring out which company offers the cheapest auto insurance rates for a Ford F-150 will involve a bit more work than just comparing rates from one or two companies.

Each auto insurer has a proprietary method to determine rates, so we’ll take a look at the auto insurance companies with the overall best prices in Cincinnati, OH.

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Rankings for the cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $654
2 Allied $669
3 Erie $681
4 Frankenmuth $687
5 Travelers $712
6 USAA $741
7 Cincinnati Insurance $749
8 Merchants Insurance Group $778
9 Motorists Mutual $800
10 Grange Mutual $804
11 General Casualty $837
12 Central Mutual $840
13 Hastings Mutual $858
14 State Farm $867
15 Westfield $918
16 Atlantic States $940
17 Western Reserve $941
18 Progressive $953
19 Nationwide $988
20 Auto-Owners $998
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Utica National normally has some of the most affordable car insurance rates in Cincinnati at around $654 per year. Allied, Erie, Frankenmuth, and Travelers also qualify as some of the more affordable Cincinnati, OH auto insurance companies.

As depicted above, if you are insured with Travelers and switched to Allied, you could earn an annual premium reduction of about $43. Policyholders with USAA may save as much as $72 a year, and Cincinnati Insurance insureds might see rate reductions of $80 a year.

To find out how your current rates compare, click here to get a free quote or visit any of the companies below.

Understand that those prices are averaged across all drivers and vehicles and are not factoring in a vehicle location for a Ford F-150. So the insurer that can offer you the best rate may not even be in the top 33 companies in the list above. That helps illustrate why you need to compare rates from multiple companies using your own individual information.

Types of discounts on Cincinnati auto insurance rates

Save on auto insurance for a F-150 pickup in CincinnatiAuto insurance companies that provide coverage for a Ford F-150 may also give you discounts that can reduce rates by as much as 25% or more if you are eligible for them. A list of companies and a partial list of their discounts include:

The illustration below compares auto insurance rates with and without discounts. The rates are based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, multiple policy, defensive driving course, multiple vehicle, claim-free, and marriage discounts applied. In this example, theamount saved on auto insurance for a Ford F-150 is 27% or $398.

You are probably paying too much for F-150 insurance

Cincinnati, OH auto insurance rates are impacted by many things which can substantially change the cost of having a policy. Improving your credit score, becoming a homeowner, or getting into an accident can trigger price changes resulting in some companies being much cheaper than others.

Not only may your situation change, but insurance companies change prices as often as every three months in order to protect their financial rating. Heavier than normal losses may cause price increases, while lower claim expenses can cause more affordable F-150 insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in Cincinnati, OH for a 30-year-old female driver with a clear driving record, no claims, and solid credit. Based on her current risk factors, Utica National offers the most affordable car insurance rates in Cincinnati at $762 each year. This is $278 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also on the list of the cheapest Cincinnati, OH auto insurance companies.

The chart below compares rates after we give the driver in the first example a claim surcharge, a lower credit score, and a stop sign violation. Since every insurance provider has their own guidelines for setting prices, getting updated rate quotes may result in a different list of companies as shown below.

Cincinnati Insurance now has the best insurance rate in Cincinnati, OH with Merchants Insurance Group, General Casualty, Motorists Mutual, and Grange Mutual now rounding out the top five. This example demonstrates why Ohio drivers need to compare lots of rates to get the lowest auto insurance quotes for a Ford F-150.

Insurance rates can be determined by many different factors and change substantially, so the most affordable company when you bought your policy may now be one of the higher cost companies.