Finding competitive coverage for a Ford F-150 in Louisiana relies on an enormous amount of factors such as whether you are married or single, your credit score, and any driving offenses on your record. Louisiana drivers pay around $1,406 per year to insure their F-150, but that price is an estimate based on a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
It’s highly likely you may not be 50 years old (or even male), maybe you are married instead of single, or maybe your F-150 doesn’t need full coverage. Having the smallest difference in policy rating criteria or coverages could end up with a large change in the cost of a policy.
Every driver’s needs are different, and that is why the only way to find cheap car insurance rates for your Ford is to do your own rate comparisons. Quotes only take a couple of minutes and you will receive rate quotes from the cheapest companies that insure vehicles in Louisiana.
View Ford F-150 Insurance Rates
The trim level of your vehicle will have an impact price, so the price you will be charged to insure a F-150 XL Regular Cab 2WD trim level will cost $366 less than the insurance cost for the higher-end 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 | $218 | $324 | $524 | $32 | $158 | $1,256 | $105 |
| F-150 STX Regular Cab 2WD | $218 | $412 | $524 | $32 | $158 | $1,344 | $112 |
| F-150 XL Super Cab 2WD | $218 | $412 | $524 | $32 | $158 | $1,344 | $112 |
| F-150 XLT Regular Cab 2WD | $218 | $412 | $524 | $32 | $158 | $1,344 | $112 |
| F-150 STX Super Cab 2WD | $218 | $412 | $524 | $32 | $158 | $1,344 | $112 |
| F-150 XL Crew Cab 2WD | $250 | $412 | $524 | $32 | $158 | $1,376 | $115 |
| F-150 XLT Super Cab 2WD | $250 | $412 | $524 | $32 | $158 | $1,376 | $115 |
| F-150 STX Regular Cab 4WD | $250 | $412 | $524 | $32 | $158 | $1,376 | $115 |
| F-150 XL Regular Cab 4WD | $250 | $412 | $524 | $32 | $158 | $1,376 | $115 |
| F-150 FX2 Super Cab 2WD | $250 | $412 | $524 | $32 | $158 | $1,376 | $115 |
| F-150 XLT Crew Cab 2WD | $250 | $412 | $524 | $32 | $158 | $1,376 | $115 |
| F-150 XL Super Cab 4WD | $250 | $412 | $524 | $32 | $158 | $1,376 | $115 |
| F-150 XLT Regular Cab 4WD | $250 | $412 | $524 | $32 | $158 | $1,376 | $115 |
| F-150 XL Crew Cab 4WD | $284 | $412 | $524 | $32 | $158 | $1,410 | $118 |
| F-150 STX Super Cab 4WD | $284 | $412 | $524 | $32 | $158 | $1,410 | $118 |
| F-150 XLT Super Cab 4WD | $284 | $412 | $524 | $32 | $158 | $1,410 | $118 |
| F-150 FX2 2WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 Lariat Super Cab 2WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 Lariat Crew Cab 2WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 FX4 Super Cab 4WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 XLT Crew Cab 4WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 FX4 4WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 Lariat Crew Cab 4WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 SVT Raptor Super Cab 4WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 Lariat Super Cab 4WD | $284 | $502 | $524 | $32 | $158 | $1,500 | $125 |
| F-150 Lariat Crew Cab Platinum 2WD | $284 | $592 | $524 | $32 | $158 | $1,590 | $133 |
| F-150 Lariat Crew Cab Harley 2WD | $284 | $592 | $524 | $32 | $158 | $1,590 | $133 |
| F-150 Lariat King Ranch 2WD | $284 | $592 | $524 | $32 | $158 | $1,590 | $133 |
| F-150 Lariat King Ranch 4WD | $316 | $592 | $524 | $32 | $158 | $1,622 | $135 |
| F-150 Lariat Crew Cab Harley 4WD | $316 | $592 | $524 | $32 | $158 | $1,622 | $135 |
| F-150 Lariat Crew Cab Platinum 4WD | $316 | $592 | $524 | $32 | $158 | $1,622 | $135 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in zip code location which can modify coverage rates significantly.
What is the best auto insurance company in Louisiana?
Choosing the highest-rated auto insurance company can be difficult considering how many companies are available to choose from in Louisiana. The rank data in the next section could help you decide which auto insurers you want to consider when shopping insurance around for a Ford F-150.
These ratings include large insurance companies, so companies with more of a regional focus will not be included in these rankings. To compare rates from many more Louisiana auto insurance companies, just click here.
Top 10 Major Auto Insurers in New Orleans Ranked by A.M. Best Rating
- USAA – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Allstate – A+
- The Hartford – A+
- Progressive – A+
- The General – A-
- Liberty Mutual – A
- 21st Century – A
Top 10 Major Auto Insurers Overall in New Orleans
- USAA
- AAA Insurance
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
- Esurance
- The General
Liability rates compared to full coverage
Lowering the price of auto insurance is important to the majority of people, and one of the easiest ways to buy cheap insurance for a Ford F-150 is to only buy liability insurance. The chart below shows the difference between auto insurance rates with liability coverage only compared to full coverage. The premium estimates are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.
If averaged for all ages, comp and collision coverage costs $2,975 per year more than insuring for liability only. That brings up the question if it’s worth it to buy full coverage. There is no specific rule to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
There are a few cases where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
The diagram below demonstrates how deductibles can increase or decrease insurance rates when searching for cheap insurance for a Ford F-150. The rates are based on a single male driver, comp and collision included, and no discounts are factored in.
In the chart above, a 40-year-old driver could lower their policy premium by $382 a year by increasing from a $100 deductible to a $500 deductible, or save $576 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old example, could lower their rates up to $1,254 every year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have plenty of money set aside to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Safe drivers New Orleans pay cheaper rates
The recommended way to get affordable auto insurance premiums in New Orleans for a F-150 pickup is to drive attentively and not have accidents or get tickets. The example below illustrates how violations and fender-benders can impact insurance costs for each age group. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of car insurance in Louisiana per year with a clean driving record and no accidents is $2,123. Receive one speeding ticket and the average cost jumps to $2,444, an increase of $321 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for a Ford F-150 increases to an average of $3,330. That’s an increase of $1,207, or $101 per month, just for not being a responsible driver!