Finding affordable auto insurance for a Ford F-150 in New Jersey doesn’t take a lot of effort, but it is dependent upon a lot of rating criteria such as whether you are married or single, the performance level of your vehicle, and any prior driving citations you have received. Drivers in New Jersey will pay on average $1,096 per year to insure their F-150, but that figure is an estimation calculated using a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
There’s a good chance you aren’t exactly 50 years old or even a male, possibly single instead of married, or maybe you have a speeding ticket or two that will increase rates. Having just a slight change in the rating criteria used to formulate rates could result in a significant change in the coverage rate.
This example demonstrates why the best way to find the cheapest insurance price for your Ford is to compare rates from as many companies as possible. In just a couple of minutes you can get rates from top-rated companies in New Jersey.
The trim level of your F-150 tends to have a direct effect on the annual cost of coverage, so the price to insure a F-150 XL Regular Cab 2WD model will be $248 cheaper than the cost to insure the more expensive 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 | $156 | $216 | $462 | $28 | $138 | $1,000 | $83 |
| F-150 STX Regular Cab 2WD | $156 | $274 | $462 | $28 | $138 | $1,058 | $88 |
| F-150 XL Super Cab 2WD | $156 | $274 | $462 | $28 | $138 | $1,058 | $88 |
| F-150 XLT Regular Cab 2WD | $156 | $274 | $462 | $28 | $138 | $1,058 | $88 |
| F-150 STX Super Cab 2WD | $156 | $274 | $462 | $28 | $138 | $1,058 | $88 |
| F-150 XL Crew Cab 2WD | $178 | $274 | $462 | $28 | $138 | $1,080 | $90 |
| F-150 XLT Super Cab 2WD | $178 | $274 | $462 | $28 | $138 | $1,080 | $90 |
| F-150 STX Regular Cab 4WD | $178 | $274 | $462 | $28 | $138 | $1,080 | $90 |
| F-150 XL Regular Cab 4WD | $178 | $274 | $462 | $28 | $138 | $1,080 | $90 |
| F-150 FX2 Super Cab 2WD | $178 | $274 | $462 | $28 | $138 | $1,080 | $90 |
| F-150 XLT Crew Cab 2WD | $178 | $274 | $462 | $28 | $138 | $1,080 | $90 |
| F-150 XL Super Cab 4WD | $178 | $274 | $462 | $28 | $138 | $1,080 | $90 |
| F-150 XLT Regular Cab 4WD | $178 | $274 | $462 | $28 | $138 | $1,080 | $90 |
| F-150 XL Crew Cab 4WD | $202 | $274 | $462 | $28 | $138 | $1,104 | $92 |
| F-150 STX Super Cab 4WD | $202 | $274 | $462 | $28 | $138 | $1,104 | $92 |
| F-150 XLT Super Cab 4WD | $202 | $274 | $462 | $28 | $138 | $1,104 | $92 |
| F-150 FX2 2WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 Lariat Super Cab 2WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 Lariat Crew Cab 2WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 FX4 Super Cab 4WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 XLT Crew Cab 4WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 FX4 4WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 Lariat Crew Cab 4WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 SVT Raptor Super Cab 4WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 Lariat Super Cab 4WD | $202 | $334 | $462 | $28 | $138 | $1,164 | $97 |
| F-150 Lariat Crew Cab Platinum 2WD | $202 | $394 | $462 | $28 | $138 | $1,224 | $102 |
| F-150 Lariat Crew Cab Harley 2WD | $202 | $394 | $462 | $28 | $138 | $1,224 | $102 |
| F-150 Lariat King Ranch 2WD | $202 | $394 | $462 | $28 | $138 | $1,224 | $102 |
| F-150 Lariat King Ranch 4WD | $226 | $394 | $462 | $28 | $138 | $1,248 | $104 |
| F-150 Lariat Crew Cab Harley 4WD | $226 | $394 | $462 | $28 | $138 | $1,248 | $104 |
| F-150 Lariat Crew Cab Platinum 4WD | $226 | $394 | $462 | $28 | $138 | $1,248 | $104 |
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in zip code location which can alter prices considerably.
Ending up with the best insurance company is hard considering how many companies there are to choose from in Newark. The company ratings shown below may help you choose which coverage providers to look at purchasing from. These rankings are for the largest companies in the United States, so smaller regional companies will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
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Data Source: Insure.com Best Car Insurance Companies
Get discount Newark auto insurance
Insurance providers that provide coverage for a Ford F-150 may additionally offer price discounts that could lower prices by as much as 35% or more if you are eligible for them. A list of car insurance companies and some of the discounts include:
- State Farm discounts include defensive driving training, anti-theft, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, and passive restraint.
- Liberty Mutual may have discounts that include hybrid vehicle, newly married, multi-car, new vehicle discount, and teen driver discount.
- American Family includes discounts for good student, accident-free, good driver, bundled insurance, TimeAway discount, defensive driver, and multi-vehicle.
- Progressive has savings for online quote discount, multi-policy, homeowner, multi-vehicle, and continuous coverage.
- Farmers Insurance offers premium reductions for alternative fuel, bundle discounts, mature driver, switch companies, early shopping, and distant student.
- Auto-Owners Insurance offers discounts including paid in full, air bags, teen driver, paperless, and student away at school.
- SAFECO policyholders can earn discounts including anti-lock brakes, drive less, homeowner, multi-car, and accident prevention training.
The diagram below shows the difference between auto insurance costs with and without discounts. The premium estimates are based on a female driver, no violations or accidents, New Jersey state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, vehicle safety, multiple vehicle, anti-theft, claim-free, and homeowner discounts applied. When discounts are factored in, theaverage amount saved on car insurance for a Ford F-150 is 28% or $604.
Violations and accidents raise rates
In a perfect world, the ideal way to maintain the best car insurance premiums in New Jersey for a F-150 pickup is to drive safely and avoid accidents and keep your driving record clean. The example below demonstrates how traffic citations and at-fault collisions increase premium costs for different insured age categories. The premiums are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance in New Jersey per year with no accidents or violations is $2,568. Add in one speeding ticket and the average cost surges to $2,985, an increase of $417 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for a Ford F-150 jumps again to an average of $4,165. That’s an increase of $1,597, or $133 per month, just for not being attentive to the road!
Are you paying too much for car insurance?
Newark car insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Turning one year older, marrying your spouse, or having a fender bender can trigger price changes that may make certain companies cheaper than before. In addition, auto insurance companies change rates as often as every three months in order to offset underwriting gains or losses. A period of increased losses can result in increased policy costs, while long-term profits can result in lower-priced F-150 insurance rates.
To illustrate this point, the graph below shows rates for the cheapest car insurance in Newark, NJ for a 30-year-old female driver with no accidents, a clean driving record, and a good credit rating. If we estimate rates based on her current risk profile, 21st Century may have the lowest car insurance rates in Newark at $1,592 each year. This is $260 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remaining top five cheapest Newark, NJ auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a chargeable claim, a lower credit score, and a stop sign violation. Since each auto insurance company uses their own calculation to set their prices, analyzing rate quotes may now show a slightly different list of the cheapest companies as shown below.
Allstate now has the lowest car insurance rate in Newark with The Hartford, USAA, Travelers, and Mercury also being competitive. This example illustrates why consumers need to take the time to compare rates when trying to get the cheapest car insurance quotes for a Ford F-150. Insurance prices are impacted by many different factors and change substantially, so the cheapest option when you last compared rates may now be costing you a lot of money.
Tips for buying low-cost auto insurance for a Ford F-150
The list below summarizes some of the better thrifty ideas that can help New Jersey drivers locate low-cost car insurance.
- Bundle home and auto and save
- Better credit rating means better rates
- Buy vehicles with good safety ratings
- Avoid having at-fault accidents
- Assess whether full coverage is needed
- Shop your coverage around for the best deal
That final tip is remarkably important, as was affirmed in this piece. Prices vary considerably, so don’t be tentative to buy a policy from a new company if a better deal can be had. Staying with the same car insurance company is fine, but it isn’t a good idea if that loyalty results in overpaying money that could be going to better use. In less than five minutes you could shop around to find cheaper insurance for a Ford F-150 in Newark.