Buying the cheapest car insurance for a Ford F-150 is normally pretty easy, but it hinges on a complicated formula that considers factors such as miles driven annually, what you do for a living, and citations on your driving record. Drivers in Nevada will pay on average $786 per year to insure their F-150, but that is an approximation based upon a 30-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.

But there is a good chance that you're not a 30-year-old female, you might be single instead of married, or maybe you have a speeding ticket or two that will increase rates. Everyone has unique insurance needs, and this illustrates why the only way to find cheap insurance rates for your Ford is to just compare rates yourself. To start saving now, get free quotes and you can get rates from some of the most affordable companies available.

Compare Ford F-150 Insurance Rates

The specific model of F-150 will influence the cost of insurance, so the cost to insure a F-150 XL Regular Cab 2WD will be $188 cheaper than the price to insure the fancier F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the prices below.

Ford F-150 Insurance Rates in Nevada
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $124 $160 $314 $18 $94 $710 $59
F-150 STX Regular Cab 2WD $124 $204 $314 $18 $94 $754 $63
F-150 XL Super Cab 2WD $124 $204 $314 $18 $94 $754 $63
F-150 XLT Regular Cab 2WD $124 $204 $314 $18 $94 $754 $63
F-150 STX Super Cab 2WD $124 $204 $314 $18 $94 $754 $63
F-150 XL Crew Cab 2WD $142 $204 $314 $18 $94 $772 $64
F-150 XLT Super Cab 2WD $142 $204 $314 $18 $94 $772 $64
F-150 STX Regular Cab 4WD $142 $204 $314 $18 $94 $772 $64
F-150 XL Regular Cab 4WD $142 $204 $314 $18 $94 $772 $64
F-150 FX2 Super Cab 2WD $142 $204 $314 $18 $94 $772 $64
F-150 XLT Crew Cab 2WD $142 $204 $314 $18 $94 $772 $64
F-150 XL Super Cab 4WD $142 $204 $314 $18 $94 $772 $64
F-150 XLT Regular Cab 4WD $142 $204 $314 $18 $94 $772 $64
F-150 XL Crew Cab 4WD $162 $204 $314 $18 $94 $792 $66
F-150 STX Super Cab 4WD $162 $204 $314 $18 $94 $792 $66
F-150 XLT Super Cab 4WD $162 $204 $314 $18 $94 $792 $66
F-150 FX2 2WD $162 $248 $314 $18 $94 $836 $70
F-150 Lariat Super Cab 2WD $162 $248 $314 $18 $94 $836 $70
F-150 Lariat Crew Cab 2WD $162 $248 $314 $18 $94 $836 $70
F-150 FX4 Super Cab 4WD $162 $248 $314 $18 $94 $836 $70
F-150 XLT Crew Cab 4WD $162 $248 $314 $18 $94 $836 $70
F-150 FX4 4WD $162 $248 $314 $18 $94 $836 $70
F-150 Lariat Crew Cab 4WD $162 $248 $314 $18 $94 $836 $70
F-150 SVT Raptor Super Cab 4WD $162 $248 $314 $18 $94 $836 $70
F-150 Lariat Super Cab 4WD $162 $248 $314 $18 $94 $836 $70
F-150 Lariat Crew Cab Platinum 2WD $162 $292 $314 $18 $94 $880 $73
F-150 Lariat Crew Cab Harley 2WD $162 $292 $314 $18 $94 $880 $73
F-150 Lariat King Ranch 2WD $162 $292 $314 $18 $94 $880 $73
F-150 Lariat King Ranch 4WD $180 $292 $314 $18 $94 $898 $75
F-150 Lariat Crew Cab Harley 4WD $180 $292 $314 $18 $94 $898 $75
F-150 Lariat Crew Cab Platinum 4WD $180 $292 $314 $18 $94 $898 $75
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in garaging location in Nevada which can decrease or increase premiums considerably.

Choosing the right car insurance provider can be difficult considering how many choices you have in Nevada. The company information shown next may help you select which car insurance companies to look at purchasing from. The ratings below are only made up of companies that insure vehicles across America, so companies without a large exposure are not factored into this list.

Top 10 Large Auto Insurers in Nevada Ranked by A.M. Best Rating

  1. USAA - A++
  2. Travelers - A++
  3. GEICO - A++
  4. State Farm - A++
  5. The Hartford - A+
  6. Esurance - A+
  7. Nationwide - A+
  8. Allstate - A+
  9. Mercury Insurance - A+
  10. Titan Insurance - A+

Top 10 Large Auto Insurers in Nevada Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

Top Companies for Ford F-150 Insurance in Nevada

Safe drivers Nevada pay cheaper rates

The ideal way to earn low car insurance rates in Nevada for a F-150 pickup is to drive attentively and not have accidents or get tickets. The information below shows how traffic citations and accidents can impact premium costs for different categories of driver ages. The rates are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of an auto insurance policy in Nevada per year with a clean driving record and no accidents is $1,676. Add in one speeding ticket and the average cost surges to $1,922, an increase of $246 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Ford F-150 in Nevada increases to an average of $2,610. That's an increase of $934, or $78 per month, just for not maintaining a clean driving record!

Here's why price comparisons are so important

Nevada car insurance rates are impacted by many things that will increase or decrease the cost of a policy. Simply having a birthday, increasing deductibles, or getting caught speeding may generate price changes that can make some companies affordable when they were higher priced. Not only may your risk profile change, but insurance companies change premium rates as often as every quarter in order to be able to pay unexpected claims. An extended period of higher than normal claims may cause increased policy costs, while long-term profits can produce cheaper F-150 insurance rates.

To illustrate this point, the graph below shows which companies have the cheapest car insurance in Nevada for a 30-year-old male driver with no accidents, a clean driving record, and a good credit rating. Based on his current situation, Travelers quotes the most affordable car insurance rates in Nevada at $912 per year. This is $662 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also make the list of the best Nevada auto insurance companies.

Now let's give the driver from the above example some claims, poor credit, and an imperfect driving record. Because each insurer uses their own formula for setting rates, comparing rates could result in a different ranking of affordable Nevada car insurance companies as shown below.

Allied now has the cheapest rate in Nevada with GEICO, Nationwide, USAA, and Safeco now being in the top five. This example shows why it is important to compare as many rates as possible when trying to find the best car insurance quotes for a Ford F-150.

Insurance rates are influenced by many factors and can decrease or increase without notice, so the cheapest option the last time you shopped your coverage around may now be wasting a lot of money.