Who Has Cheap Car Insurance Quotes for a Ford F-150 in Atlanta?

See How Much You Could Save

Ford F-150 insurance
Ford F-150 insurance image courtesy of QuoteInspector.com

Finding affordable insurance for a Ford F-150 in Georgia is dependent upon a whole bunch of factors such as the safety rating of your vehicle, your credit history, and any prior driving offenses. Georgia drivers pay approximately $998 per year for F-150 insurance, but that is a projection calculated based on a 40-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.

More likely than not, you may not be 40 years old (or even female), maybe you are single instead of married, or maybe you just want liability only instead of full coverage. Even a minor difference in rating variables or coverage information could end up with a large change in the cost of insuring your F-150.

Insurance is an individual thing, so the only way to find the most affordable coverage for your Ford is to do the rate comparisons yourself. It only takes a couple of minutes and you will receive prices from some of the most affordable companies in Georgia.

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The trim level of your vehicle has an effect on the cost of coverage, so the rate you will pay to insure a F-150 XL Regular Cab 2WD will be $232 less than the insurance cost for the more expensive F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the table below.

Ford F-150 Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $140 $204 $414 $24 $124 $906 $76
F-150 STX Regular Cab 2WD $140 $260 $414 $24 $124 $962 $80
F-150 XL Super Cab 2WD $140 $260 $414 $24 $124 $962 $80
F-150 XLT Regular Cab 2WD $140 $260 $414 $24 $124 $962 $80
F-150 STX Super Cab 2WD $140 $260 $414 $24 $124 $962 $80
F-150 XL Crew Cab 2WD $162 $260 $414 $24 $124 $984 $82
F-150 XLT Super Cab 2WD $162 $260 $414 $24 $124 $984 $82
F-150 STX Regular Cab 4WD $162 $260 $414 $24 $124 $984 $82
F-150 XL Regular Cab 4WD $162 $260 $414 $24 $124 $984 $82
F-150 FX2 Super Cab 2WD $162 $260 $414 $24 $124 $984 $82
F-150 XLT Crew Cab 2WD $162 $260 $414 $24 $124 $984 $82
F-150 XL Super Cab 4WD $162 $260 $414 $24 $124 $984 $82
F-150 XLT Regular Cab 4WD $162 $260 $414 $24 $124 $984 $82
F-150 XL Crew Cab 4WD $182 $260 $414 $24 $124 $1,004 $84
F-150 STX Super Cab 4WD $182 $260 $414 $24 $124 $1,004 $84
F-150 XLT Super Cab 4WD $182 $260 $414 $24 $124 $1,004 $84
F-150 FX2 2WD $182 $316 $414 $24 $124 $1,060 $88
F-150 Lariat Super Cab 2WD $182 $316 $414 $24 $124 $1,060 $88
F-150 Lariat Crew Cab 2WD $182 $316 $414 $24 $124 $1,060 $88
F-150 FX4 Super Cab 4WD $182 $316 $414 $24 $124 $1,060 $88
F-150 XLT Crew Cab 4WD $182 $316 $414 $24 $124 $1,060 $88
F-150 FX4 4WD $182 $316 $414 $24 $124 $1,060 $88
F-150 Lariat Crew Cab 4WD $182 $316 $414 $24 $124 $1,060 $88
F-150 SVT Raptor Super Cab 4WD $182 $316 $414 $24 $124 $1,060 $88
F-150 Lariat Super Cab 4WD $182 $316 $414 $24 $124 $1,060 $88
F-150 Lariat Crew Cab Platinum 2WD $182 $372 $414 $24 $124 $1,116 $93
F-150 Lariat Crew Cab Harley 2WD $182 $372 $414 $24 $124 $1,116 $93
F-150 Lariat King Ranch 2WD $182 $372 $414 $24 $124 $1,116 $93
F-150 Lariat King Ranch 4WD $204 $372 $414 $24 $124 $1,138 $95
F-150 Lariat Crew Cab Harley 4WD $204 $372 $414 $24 $124 $1,138 $95
F-150 Lariat Crew Cab Platinum 4WD $204 $372 $414 $24 $124 $1,138 $95
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in zip code location which can change insurance rates considerably.

Georgia insurance companies

Buying coverage from the highest-rated car insurance provider is hard considering how many different companies insure vehicles in Georgia. The ranking information in the next section may help you pick which coverage providers to look at when trying find the best insurance for a Ford F-150.

The ratings below only include companies who write in the majority of U.S. states, so companies that may only write in Georgia will not be included in this list. To compare prices from many more Georgia auto insurance companies, just click here.

Best Insurance Companies for a Ford F-150 in Georgia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Violations and accidents raise rates

One of the best ways to get good insurance prices for a F-150 pickup is to be a safe driver and avoid tickets and accidents. The diagram below shows how traffic citations and accidents influence car insurance costs for different age groups. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

In the previous chart, the average cost of an auto insurance policy in Georgia per year with no accidents and a clean driving record is $1,844. Factor in one speeding ticket and the average cost rises to $2,083, an increase of $239 each year. Then add one accident along with the one speeding ticket and the annual cost of insurance for a Ford F-150 increases to an average of $2,732. That's an increase of $888, or $74 per month, just for not driving carefully!

Why it's important to shop around

Atlanta, GA insurance rates are impacted by many things which can substantially change the price you have to pay for coverage. Improving your credit score, having a claim, or getting a few speeding tickets may cause policy rate changes that may make certain companies cheaper than others. Also, insurance companies file new rates multiple times each year in order to maintain liquidity for claims. Unexpectedly high claims may result in increased policy costs, while lower claim expenses may cause more affordable F-150 insurance rates.

As an example, the bar chart below shows rates for the cheapest car insurance in Atlanta, GA for a 45-year-old female driver with a clean driving record, no accidents, and a good credit rating. When comparing rates based on her current risk factors, Auto-Owners offers the lowest car insurance rates in Atlanta at $1,137 per year. This is $392 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also included in the cheapest Atlanta, GA auto insurance companies.

Now we will give the driver from the first set of rates an accident claim, a lower credit rating, and a speeding citation. Due to the fact that every auto insurer has a unique approach for setting prices, analyzing rate quotes could now result in a different ranking of the cheapest Atlanta car insurance companies as shown below.

The Hartford now has the lowest car insurance rate in Atlanta, GA with Travelers, Mercury, Safeco, and Country also having competitive pricing. This example demonstrates why it is important to do a thorough rate comparison when trying to get the cheapest auto insurance quotes for a Ford F-150. Insurance prices can be determined by many risk factors and can change without notice, so the cheapest company when you last compared rates may now be wasting a lot of money.

Ideas for finding economical auto insurance for a Ford F-150

Below you'll find some thrifty ideas that can help drivers find more affordable coverage.

The final tip is notably important, as was stressed in this article. Prices in Atlanta go up and down frequently, so drivers shouldn't be resistant to switch to a new company if a better deal can be had.

Many consumers stick with the same company and that's fine, but it's not a great idea if that dedication is costing major coinage every year. Now is a great time to compare rates and find cheaper insurance for a Ford F-150.