Finding the best cheap coverage for a Ford F-150 in New Jersey is pretty easy for most people to do, but it depends on a very complex rating algorithm that uses multiple factors such as how far you commute, your profession, and any prior driving offenses you have. Drivers pay around $1,073 each year to insure their F-150, but that figure is an estimation calculated using a 50-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 50-year-old female, single instead of married, and you don’t want the same coverages and limits as the example. Even a minor change in the factors used in pricing a policy can make a large difference in the policy cost.
Car insurance coverage is unique to each driver, so this is why the only real way to find the most affordable coverage for your Ford is to compare as many rates as possible.
The trim level of your Ford will most likely have an effect on price, so the price you will be charged to insure a F-150 XL Regular Cab 2WD model will be $242 less expensive the price to insure the high end F-150 Lariat Crew Cab Platinum 4WD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $154 | $210 | $452 | $26 | $136 | $978 | $82 |
| F-150 STX Regular Cab 2WD | $154 | $268 | $452 | $26 | $136 | $1,036 | $86 |
| F-150 XL Super Cab 2WD | $154 | $268 | $452 | $26 | $136 | $1,036 | $86 |
| F-150 XLT Regular Cab 2WD | $154 | $268 | $452 | $26 | $136 | $1,036 | $86 |
| F-150 STX Super Cab 2WD | $154 | $268 | $452 | $26 | $136 | $1,036 | $86 |
| F-150 XL Crew Cab 2WD | $176 | $268 | $452 | $26 | $136 | $1,058 | $88 |
| F-150 XLT Super Cab 2WD | $176 | $268 | $452 | $26 | $136 | $1,058 | $88 |
| F-150 STX Regular Cab 4WD | $176 | $268 | $452 | $26 | $136 | $1,058 | $88 |
| F-150 XL Regular Cab 4WD | $176 | $268 | $452 | $26 | $136 | $1,058 | $88 |
| F-150 FX2 Super Cab 2WD | $176 | $268 | $452 | $26 | $136 | $1,058 | $88 |
| F-150 XLT Crew Cab 2WD | $176 | $268 | $452 | $26 | $136 | $1,058 | $88 |
| F-150 XL Super Cab 4WD | $176 | $268 | $452 | $26 | $136 | $1,058 | $88 |
| F-150 XLT Regular Cab 4WD | $176 | $268 | $452 | $26 | $136 | $1,058 | $88 |
| F-150 XL Crew Cab 4WD | $200 | $268 | $452 | $26 | $136 | $1,082 | $90 |
| F-150 STX Super Cab 4WD | $200 | $268 | $452 | $26 | $136 | $1,082 | $90 |
| F-150 XLT Super Cab 4WD | $200 | $268 | $452 | $26 | $136 | $1,082 | $90 |
| F-150 FX2 2WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 Lariat Super Cab 2WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 Lariat Crew Cab 2WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 FX4 Super Cab 4WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 XLT Crew Cab 4WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 FX4 4WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 Lariat Crew Cab 4WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 SVT Raptor Super Cab 4WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 Lariat Super Cab 4WD | $200 | $326 | $452 | $26 | $136 | $1,140 | $95 |
| F-150 Lariat Crew Cab Platinum 2WD | $200 | $384 | $452 | $26 | $136 | $1,198 | $100 |
| F-150 Lariat Crew Cab Harley 2WD | $200 | $384 | $452 | $26 | $136 | $1,198 | $100 |
| F-150 Lariat King Ranch 2WD | $200 | $384 | $452 | $26 | $136 | $1,198 | $100 |
| F-150 Lariat King Ranch 4WD | $222 | $384 | $452 | $26 | $136 | $1,220 | $102 |
| F-150 Lariat Crew Cab Harley 4WD | $222 | $384 | $452 | $26 | $136 | $1,220 | $102 |
| F-150 Lariat Crew Cab Platinum 4WD | $222 | $384 | $452 | $26 | $136 | $1,220 | $102 |
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in Jersey City location which can change coverage prices greatly.
Finding dependable, affordable insurance is not easy, and figuring out which companies have the most affordable insurance rates for a Ford F-150 involves even more work.
Each auto insurer uses their own calculation for determining rates, so we need to take a look at the insurance companies with the overall cheapest rates in Jersey City. It’s a good idea to be aware that New Jersey insurance rates are impacted by many things that can increase the cost of a policy. This is why it is important to perform a complete rate comparison to get the lowest insurance quotes for a Ford F-150. Insurance prices are influenced by many different factors and change frequently, so the cheapest rate the last time you compared rates may now be an over-priced policy.
Lowest Insurance Price Quotes for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | 21st Century | $1,067 |
| 2 | Travelers | $1,180 |
| 3 | New Jersey Manufacturers | $1,258 |
| 4 | Palisades | $1,354 |
| 5 | Penn National | $1,366 |
| 6 | California Casualty | $1,495 |
| 7 | Allstate | $1,523 |
| 8 | The Hartford | $1,536 |
| 9 | USAA | $1,585 |
| 10 | Mercury | $1,635 |
| 11 | Amica | $1,813 |
| 12 | Esurance | $1,838 |
| 13 | Progressive | $1,862 |
| 14 | MetLife | $1,951 |
| 15 | State Farm | $2,160 |
| 16 | GEICO | $2,174 |
| 17 | Encompass | $2,303 |
| 18 | Liberty Mutual | $2,920 |
| 19 | Hanover | $3,987 |
| View More Rates Go | ||
21st Century normally has some of the cheapest car insurance rates in Jersey City at around $1,067 annually. This is $785 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National would also be considered some of the cheaper Jersey City, NJ car insurance companies.
As depicted above, if you buy coverage from New Jersey Manufacturers and switched to 21st Century, you might realize an annual premium reduction of upwards of $191. New Jersey drivers with Palisades might save as much as $287 a year, and Penn National customers might reduce prices by as much as $299 a year.
To discover how much you can save, click here to start your free quote or quote rates from the companies below.
Remember that these policy prices are averaged across all insureds and vehicles and do not take into consideration an exact zip code location for a Ford F-150. So the company that fits your needs best may not even be in the top 19 companies shown above. That points out the importance of why you need to quote rates from many companies using your own driver data and vehicle information.
Liability rates compared to full coverage
Reducing the cost of insurance is probably important to the majority of people, and one common way to buy cheaper insurance for a Ford F-150 is to only buy liability insurance. The diagram below illustrates the comparison of car insurance costs with liability coverage only compared to full coverage. The data assumes no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are applied to the premium.
If we average the cost for all age groups, full coverage costs an additional $2,458 per year more than buying just liability insurance. That is a large expense which might make you wonder if full coverage is worth the money. There is no written rule for dropping physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
There are some situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Why you should be comparing rates
Jersey City, NJ insurance rates are impacted by many things that will increase or decrease the cost of a policy. Improving your credit rating, having a teen driver, or getting a ticket for careless driving can trigger changes in premium that can make some companies cheaper than others. Not only that, but insurance companies change rates every year or even multiple times each year to adjust for gains or losses. Unexpectedly high claims can cause rate hikes, while lower claims can result in cheaper F-150 insurance rates.
The data below shows the cheapest car insurance in Jersey City, NJ for a 45-year-old male driver with no prior accidents, a clean driving record, and excellent credit. If we estimate prices based on his personal risk profile, 21st Century might offer the best car insurance rates in Jersey City at $1,408 annually. This is $444 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are also on the list of the cheapest Jersey City, NJ auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a couple of claims, a lower credit rating, and an imperfect driving record. Since each insurance company has a different formula for setting rates, comparing insurance quotes most likely will result in a different set of affordable Jersey City car insurance companies as shown below.
The Hartford now has the best auto insurance rate in Jersey City, NJ with USAA, Allstate, Mercury, and Travelers now being in the top five. This demonstrates why it is important to perform an extensive rate comparison to find cheap insurance rates for a Ford F-150. Rates are determined by many things and can increase or decrease at any time, so the cheapest rate the last time you checked may now be priced much higher than other options.
The Jersey City, NJ, insurance agents below are a good start to answer your questions and help you decide which coverage meets your needs best, since some people have coverage questions and would like to have some professional guidance when trying to find lower insurance rates for a F-150 pickup. It can be hard to find the cheapest auto insurance company, so getting advice from a licensed agent can add peace of mind knowing you have decent coverage if you have a claim.
To find an auto insurance agency close to where you live, click the button link following the list.
AllState Agent
07305, 701 NJ-440 – Jersey City, NJ 07304 – (201) 515-3499
Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290
Wexford Insurance
45 Laidlaw Ave – Jersey City, NJ 07306 – (201) 659-6050
Express Insurance
775 Newark Ave – Jersey City, NJ 07306 – (201) 217-1780
Find a Jersey City, NJ insurance agent near you
How to find cheaper auto insurance for a Ford F-150
Below you’ll find some of the recommended thrifty ideas that can help you buy more affordable car insurance.
- Higher credit scores may earn you cheaper rates
- Avoid price increases by not filing claims
- Vehicles with good safety ratings have lower liability rates
- Accidents can significantly increase rates
- Maintain a clean driving record
- Compare rate quotes frequently
The last tip is especially valuable, as was emphasized in this article. Prices charged by car insurance companies change frequently, so you should be ready to buy a different policy if a more affordable price is available. Loyalty to a specific company is fine, but it’s not a great idea if that dedication is costing money that could be going to better use. In less than five minutes you could shop around and find cheaper auto insurance for a Ford F-150 in Jersey City.