Buying cheap car insurance for a Ford F-150 in Tennessee hinges on an enormous amount of rating factors such as age of the driver, your geographic location, and violations on your driving record. Tennessee drivers pay approximately $985 each year for F-150 insurance, but that amount is an estimate calculated using a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
When projecting a rate like this, the problem is that you are not 40 years old and maybe not even female, maybe you are married instead of single, or maybe you just want liability only. Everone’s needs are different, and this illustrates why the best way to find the cheapest rates for your Ford is to just compare rates yourself.
Compare Ford F-150 Insurance Rates
Your vehicle’s trim level will have an impact the cost of insurance, so the rate you will pay to insure a F-150 XL Regular Cab 2WD trim level will cost $250 less than the insurance cost for the more well-appointed F-150 Lariat Crew Cab Platinum 4WD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $152 | $220 | $376 | $22 | $112 | $882 | $74 |
| F-150 STX Regular Cab 2WD | $152 | $282 | $376 | $22 | $112 | $944 | $79 |
| F-150 XL Super Cab 2WD | $152 | $282 | $376 | $22 | $112 | $944 | $79 |
| F-150 XLT Regular Cab 2WD | $152 | $282 | $376 | $22 | $112 | $944 | $79 |
| F-150 STX Super Cab 2WD | $152 | $282 | $376 | $22 | $112 | $944 | $79 |
| F-150 XL Crew Cab 2WD | $174 | $282 | $376 | $22 | $112 | $966 | $81 |
| F-150 XLT Super Cab 2WD | $174 | $282 | $376 | $22 | $112 | $966 | $81 |
| F-150 STX Regular Cab 4WD | $174 | $282 | $376 | $22 | $112 | $966 | $81 |
| F-150 XL Regular Cab 4WD | $174 | $282 | $376 | $22 | $112 | $966 | $81 |
| F-150 FX2 Super Cab 2WD | $174 | $282 | $376 | $22 | $112 | $966 | $81 |
| F-150 XLT Crew Cab 2WD | $174 | $282 | $376 | $22 | $112 | $966 | $81 |
| F-150 XL Super Cab 4WD | $174 | $282 | $376 | $22 | $112 | $966 | $81 |
| F-150 XLT Regular Cab 4WD | $174 | $282 | $376 | $22 | $112 | $966 | $81 |
| F-150 XL Crew Cab 4WD | $196 | $282 | $376 | $22 | $112 | $988 | $82 |
| F-150 STX Super Cab 4WD | $196 | $282 | $376 | $22 | $112 | $988 | $82 |
| F-150 XLT Super Cab 4WD | $196 | $282 | $376 | $22 | $112 | $988 | $82 |
| F-150 FX2 2WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 Lariat Super Cab 2WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 Lariat Crew Cab 2WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 FX4 Super Cab 4WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 XLT Crew Cab 4WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 FX4 4WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 Lariat Crew Cab 4WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 SVT Raptor Super Cab 4WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 Lariat Super Cab 4WD | $196 | $342 | $376 | $22 | $112 | $1,048 | $87 |
| F-150 Lariat Crew Cab Platinum 2WD | $196 | $404 | $376 | $22 | $112 | $1,110 | $93 |
| F-150 Lariat Crew Cab Harley 2WD | $196 | $404 | $376 | $22 | $112 | $1,110 | $93 |
| F-150 Lariat King Ranch 2WD | $196 | $404 | $376 | $22 | $112 | $1,110 | $93 |
| F-150 Lariat King Ranch 4WD | $218 | $404 | $376 | $22 | $112 | $1,132 | $94 |
| F-150 Lariat Crew Cab Harley 4WD | $218 | $404 | $376 | $22 | $112 | $1,132 | $94 |
| F-150 Lariat Crew Cab Platinum 4WD | $218 | $404 | $376 | $22 | $112 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in garaging location in Nashville which can alter insurance rates greatly.
Trying to find low-priced auto insurance is confusing at best, and deciding which companies offer the cheapest insurance rates for a Ford F-150 takes more quotes for comparison. Every auto insurer has a unique approach for determining prices, so let’s begin by taking a look at the overall cheapest insurance companies in Tennessee.
Find the Cheapest Car Insurance for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $767 |
| 2 | Auto-Owners | $836 |
| 3 | Cincinnati Insurance | $884 |
| 4 | USAA | $919 |
| 5 | Tennessee Farmers | $923 |
| 6 | Penn National | $926 |
| 7 | Erie | $987 |
| 8 | Nationwide | $1,032 |
| 9 | Westfield | $1,047 |
| 10 | Allied | $1,060 |
| 11 | GEICO | $1,156 |
| 12 | State Farm | $1,177 |
| 13 | Travelers | $1,201 |
| 14 | Direct General | $1,201 |
| 15 | State Auto | $1,204 |
| 16 | The Hartford | $1,221 |
| 17 | Shelter | $1,223 |
| 18 | Progressive | $1,226 |
| 19 | Chubb | $1,290 |
| 20 | 21st Century | $1,313 |
| Find Your Rate Go | ||
Utica National may offer some of the best car insurance rates in Nashville at around $767 a year. This is $561 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, USAA, and Tennessee Farmers also make the cut as some of the best Nashville, TN insurance companies.
In the above rates, if you buy coverage from USAA and switched to Utica National, you may realize yearly savings of upwards of $152. Policyholders with Tennessee Farmers may save as much as $156 a year, and Penn National policyholders might lower prices by $159 a year.
Understand that those rates are averaged across all types of insureds and vehicles and and are not figured with a specific location for a Ford F-150. So the car insurance company that can offer you the lowest price may not even be in the top 30 companies shown above. That affirms the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
Discounts on Nashville auto insurance
Insurers that sell policies for a Ford F-150 may also provide discounts that could reduce prices by as much as 25% or more if you are eligible to receive them. Larger insurance companies and their offered discounts can be found below.
- Progressive has savings for multi-vehicle, continuous coverage, online quote discount, online signing, and multi-policy.
- MetLife may offer discounts for good student, claim-free, defensive driver, accident-free, good driver, and multi-policy.
- Mercury Insurance offers premium reductions for multi-car, anti-theft, low natural disaster claims, annual mileage, location of vehicle, professional/association, and good driver.
- Nationwide discounts include multi-policy, family plan, good student, Farm Bureau membership, anti-theft, and easy pay.
- GEICO offers discounts for multi-policy, good student, federal employee, daytime running lights, membership and employees, emergency military deployment, and air bags.
- AAA policyholders can earn discounts including multi-policy, education and occupation, good driver, AAA membership discount, multi-car, good student, and pay-in-full.
The illustration below shows the difference between insurance premiums with and without discounts applied to the premium. The price estimates are based on a female driver, no violations or accidents, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, safe-driver, defensive driving course, homeowner, vehicle safety, and multiple policy discounts applied. When these discounts are applied, theaverage amount saved on insurance for a Ford F-150 is 27% or $520.
The information below illustrates how your choice of deductibles can change insurance premiums when researching cheap insurance for a Ford F-150. The premiums assume a married female driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could cut expenses by $238 a year by switching from a $100 deductible up to a $500 deductible, or save $360 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, have the ability to save $512 or more by selecting a higher deductible. If you make the decision to raise deductibles, it’s a good idea to have spare funds to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Your low-price policy may be costing you money
Tennessee insurance rates are impacted by many factors which can significantly increase or decrease the price you pay. Simply having a birthday, buying a home instead of renting, or getting caught speeding can produce rate changes that may make certain companies more affordable than the competition. Also, insurers file new rates every year or even multiple times each year in order to be able to pay unexpected claims. Heavy losses can result in rate hikes, while profitable underwriting can result in lower-priced F-150 insurance rates.
To illustrate this example, the data below analyzes the cheapest car insurance in Nashville, TN for a 35-year-old male driver with a clear driving record, no claims, and solid credit. If we estimate rates based on his personal profile, Utica National may have the most affordable car insurance rates in Nashville at $862 each year. This is $466 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and USAA are the rest of the best Nashville, TN auto insurance companies.
The example below compares rates after we give the driver in the first chart some claims, a lower credit score, and a couple of points charged on his driving record. Since each auto insurance company has a unique formula to set their prices, analyzing rate quotes could result in a different list of the cheapest Nashville car insurance companies as shown below.
Erie now has the best auto insurance rate in Nashville, TN with Nationwide, Westfield, Allied, and GEICO also being competitive. This example shows why it is critical to take the time to shop around when trying to get the most economical insurance quotes for a Ford F-150.
Insurance rates can be determined by many risk factors and can decrease or increase without notice, so the most affordable company the last time you shopped your coverage around may now be wasting a lot of money.
How to find more affordable car insurance for a Ford F-150
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help Nashville drivers get lower-cost coverage.
- Buying car and homeowners insurance together can save money
- Try to pay small claims out-of-pocket
- Drive attentively and avoid accidents
- Increase physical damage deductibles
- Be a cautious driver
- Good credit scores may make rates cheaper
- Shop around for cheaper prices often
The final tip is highly significant, as was emphasized in the article above. Auto insurance prices in Nashville vary considerably, so don’t be tentative to switch companies if you can find a cheaper rate. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty results in overpaying big bucks every year. It takes less than five minutes to compare rates to find cheaper auto insurance for a Ford F-150.
If you aren’t clear which coverage you need and would like to have a consultation when buying car insurance for a Ford F-150, the insurance agencies listed below are a good start to help you determine which policy is best. To find a Nashville insurance agency close to where you live, click the button after the list.
- Tri-City Insurance Agency
4400 Nolensville Pike – Nashville, TN 37211 – (615) 331-0770 - Greater Nashville Insurance
208 McGavock Pike A – Nashville, TN 37214 – (615) 885-5882 - Prince Insurance Agency, Inc.
1101 Kermit Dr #205 – Nashville, TN 37217 – (615) 823-6987 - Hale Insurance, LLC
301 29th Ave N – Nashville, TN 37203 – (615) 321-4150