If you are a novice to online auto insurance shopping, by this point your are probably bewildered because of the huge number of online auto insurance companies and websites selling insurance in Houston.

Insurance quote for Ford F-150 in HoustonRemarkably, a study showed that a large majority of drivers kept their policy with the same company for well over three years, and approximately 38% of consumers have never shopped around. Consumers in Texas could save as much as $1,800 a year just by comparing rates, but they just assume it takes a lot of time to compare rates and save money.

There are several ways of comparing price quotes from many auto insurance companies in Texas. The easiest way to find cheaper Ford F-150 rates involves getting comparison quotes online.

When comparing auto insurance rates, know that having more price comparisons helps locate lower pricing.

The companies shown below have been selected to offer quotes in Houston, TX. If you want the best car insurance in Texas, it's highly recommended you visit as many as you can to get the best price comparison.

Ford F-150 Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $158 $200 $382 $22 $114 $876 $73
F-150 STX Regular Cab 2WD $190 $302 $392 $24 $118 $1,026 $86
F-150 XL Super Cab 2WD $252 $468 $462 $28 $138 $1,348 $112
F-150 XLT Regular Cab 2WD $202 $322 $388 $24 $116 $1,052 $88
F-150 STX Super Cab 2WD $180 $338 $430 $26 $128 $1,102 $92
F-150 XL Crew Cab 2WD $156 $252 $430 $26 $128 $992 $83
F-150 XLT Super Cab 2WD $268 $376 $392 $24 $118 $1,178 $98
F-150 STX Regular Cab 4WD $282 $502 $430 $26 $128 $1,368 $114
F-150 XL Regular Cab 4WD $364 $598 $514 $30 $154 $1,660 $138
F-150 FX2 Super Cab 2WD $156 $252 $430 $26 $128 $992 $83
F-150 XLT Crew Cab 2WD $240 $328 $382 $22 $114 $1,086 $91
F-150 XL Super Cab 4WD $202 $316 $514 $30 $154 $1,216 $101
F-150 XLT Regular Cab 4WD $272 $328 $500 $30 $150 $1,280 $107
F-150 XL Crew Cab 4WD $318 $476 $400 $24 $120 $1,338 $112
F-150 STX Super Cab 4WD $176 $252 $400 $24 $120 $972 $81
F-150 XLT Super Cab 4WD $234 $256 $500 $30 $150 $1,170 $98
F-150 FX2 2WD $264 $460 $462 $28 $138 $1,352 $113
F-150 Lariat Super Cab 2WD $410 $728 $514 $30 $154 $1,836 $153
F-150 Lariat Crew Cab 2WD $186 $288 $392 $24 $118 $1,008 $84
F-150 FX4 Super Cab 4WD $336 $544 $392 $24 $118 $1,414 $118
F-150 XLT Crew Cab 4WD $332 $496 $382 $22 $114 $1,346 $112
F-150 FX4 4WD $422 $592 $500 $30 $150 $1,694 $141
F-150 Lariat Crew Cab 4WD $286 $512 $430 $26 $128 $1,382 $115
F-150 SVT Raptor Super Cab 4WD $378 $496 $500 $30 $150 $1,554 $130
F-150 Lariat Super Cab 4WD $234 $312 $500 $30 $150 $1,226 $102
F-150 Lariat Crew Cab Platinum 2WD $186 $338 $392 $24 $118 $1,058 $88
F-150 Lariat Crew Cab Harley 2WD $260 $496 $366 $22 $110 $1,254 $105
F-150 Lariat King Ranch 2WD $302 $538 $392 $24 $118 $1,374 $115
F-150 Lariat King Ranch 4WD $362 $672 $462 $28 $138 $1,662 $139
F-150 Lariat Crew Cab Harley 4WD $196 $360 $430 $26 $128 $1,140 $95
F-150 Lariat Crew Cab Platinum 4WD $224 $422 $462 $28 $138 $1,274 $106
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific location which can influence rates considerably.

Comparison of full coverage and liability-only policies

The example below examines Ford F-150 car insurance costs with and without physical damage coverage. The rate quotes are based on no accidents or driving violations, $500 deductibles, married male driver, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no set rule to stop buying full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's assume your Ford F-150 replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after the policy deductible has been paid. If premiums are more than $700 annually to have full coverage, then you may need to consider dropping full coverage.

There are some situations where only buying liability is not financially feasible. If you haven't satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.

Auto insurance premiums based on gender

The diagram below illustrates the difference between Ford F-150 insurance prices for male and female drivers. The premiums assume no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Affordable rates by earning discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Some trigger automatically at the time of quoting, but lesser-known reductions have to be specially asked for before they will apply.Save money with discounts

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn't stay in business.

A few popular companies and their offered discounts can be read below.

It's a good idea to ask every insurance company how many discounts you can get. Some credits might not be offered in Houston. To find providers with significant discounts in Houston, click this link.

Components of Your Ford F-150 Insurance Rates

When buying car insurance it's important to understand some of the factors that help calculate your car insurance rates. If you have some idea of what impacts premium levels, this allows you to make educated decisions that can earn you better car insurance rates.

Local Houston insurance agencies

Some people just prefer to visit with an insurance agent and that is not a bad decision One of the best bonuses of comparing rates online is that you can find better rates but also keep your business local.

To help locate an agent, after submitting this form (opens in new window), the quote information gets sent to agents in your area who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won't have to find an agent on your own as quotes are delivered instantly to you. You can find better rates AND an agent nearby. If you have a need to get a price quote from a specific insurance provider, you can always visit that company's website and submit a quote form there.

Picking the best insurer shouldn't rely on just a low price. The following questions are important to ask.

When finding a reliable agent, it's important to understand the different types of agents and how they are distinctly different. Agents are classified as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

These type of agents write business for a single company and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to compare other company's rates so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates. Consumers often purchase coverage from exclusives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below is a short list of exclusive agencies in Houston willing to provide price quotes.

More insurance agents

Independent Insurance Agencies

These agents are not restricted to one company so they can quote policies through many companies and find you the best rates. To transfer your coverage to a different company, the business is moved internally and you stay with the same agent.

If you need cheaper insurance rates, we highly recommend that you contact multiple independent agents in order to have the best price comparison. Most independent agents also contract with additional companies that you may not be familiar with that may have much lower rates than larger companies.

Below is a list of independent insurance agencies in Houston that are able to give price quotes.

More insurance agents

Find cheap rates by being thorough

You just learned many tips how you can compare Ford F-150 insurance prices in Houston. The key thing to remember is the more quotes you get, the better likelihood of getting low cost Houston car insurance quotes. You may even discover the best price on insurance is with a lesser-known regional company.

Some insurance companies don't offer online rate quotes and many times these regional insurance providers prefer to sell through independent insurance agencies. Lower-priced Ford F-150 insurance in Houston can be found online as well as from independent agents in Houston, and you should be comparing both to have the best chance of lowering rates.

While you're price shopping online, you should never buy less coverage just to save a little money. There are too many instances where someone sacrificed full coverage and discovered at claim time that it was a big error on their part. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

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