Who Has Affordable Aurora Auto Insurance for a Ford F-150?

Finding affordable car insurance for a Ford F-150 in Colorado is dependent upon many rating factors such as the mileage of your daily commute, your credit rating, and the level of deductible you choose. Colorado drivers pay approximately $889 per year for F-150 insurance, but that figure is an approximation using a 40-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 40 years old or even a female, single instead of married, or maybe you have a speeding ticket that needs to be factored in. Each driver’s needs are different, and that demonstrates why the best method for finding cheap auto insurance rates for your Ford is to do your own rate comparisons.

Insure Your Ford for Less

The trim level of your vehicle tends to have a direct effect on the cost of insurance, so the cost to insure a F-150 XL Regular Cab 2WD model will be $206 less expensive the insurance cost for the higher-priced F-150 Lariat Crew Cab Platinum 4WD model, as shown by the rates below.

Ford F-150 Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $126 $182 $368 $22 $110 $808 $67
F-150 STX Regular Cab 2WD $126 $232 $368 $22 $110 $858 $72
F-150 XL Super Cab 2WD $126 $232 $368 $22 $110 $858 $72
F-150 XLT Regular Cab 2WD $126 $232 $368 $22 $110 $858 $72
F-150 STX Super Cab 2WD $126 $232 $368 $22 $110 $858 $72
F-150 XL Crew Cab 2WD $144 $232 $368 $22 $110 $876 $73
F-150 XLT Super Cab 2WD $144 $232 $368 $22 $110 $876 $73
F-150 STX Regular Cab 4WD $144 $232 $368 $22 $110 $876 $73
F-150 XL Regular Cab 4WD $144 $232 $368 $22 $110 $876 $73
F-150 FX2 Super Cab 2WD $144 $232 $368 $22 $110 $876 $73
F-150 XLT Crew Cab 2WD $144 $232 $368 $22 $110 $876 $73
F-150 XL Super Cab 4WD $144 $232 $368 $22 $110 $876 $73
F-150 XLT Regular Cab 4WD $144 $232 $368 $22 $110 $876 $73
F-150 XL Crew Cab 4WD $162 $232 $368 $22 $110 $894 $75
F-150 STX Super Cab 4WD $162 $232 $368 $22 $110 $894 $75
F-150 XLT Super Cab 4WD $162 $232 $368 $22 $110 $894 $75
F-150 FX2 2WD $162 $282 $368 $22 $110 $944 $79
F-150 Lariat Super Cab 2WD $162 $282 $368 $22 $110 $944 $79
F-150 Lariat Crew Cab 2WD $162 $282 $368 $22 $110 $944 $79
F-150 FX4 Super Cab 4WD $162 $282 $368 $22 $110 $944 $79
F-150 XLT Crew Cab 4WD $162 $282 $368 $22 $110 $944 $79
F-150 FX4 4WD $162 $282 $368 $22 $110 $944 $79
F-150 Lariat Crew Cab 4WD $162 $282 $368 $22 $110 $944 $79
F-150 SVT Raptor Super Cab 4WD $162 $282 $368 $22 $110 $944 $79
F-150 Lariat Super Cab 4WD $162 $282 $368 $22 $110 $944 $79
F-150 Lariat Crew Cab Platinum 2WD $162 $332 $368 $22 $110 $994 $83
F-150 Lariat Crew Cab Harley 2WD $162 $332 $368 $22 $110 $994 $83
F-150 Lariat King Ranch 2WD $162 $332 $368 $22 $110 $994 $83
F-150 Lariat King Ranch 4WD $182 $332 $368 $22 $110 $1,014 $85
F-150 Lariat Crew Cab Harley 4WD $182 $332 $368 $22 $110 $1,014 $85
F-150 Lariat Crew Cab Platinum 4WD $182 $332 $368 $22 $110 $1,014 $85
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific garaging location which can influence rates noticeably.

Finding the top auto insurance company is difficult considering how many different insurance companies sell coverage in Aurora. The ranking data displayed below could help you decide which insurers you want to consider when comparing auto insurance rates for a Ford F-150.

These ratings are only made up of the largest auto insurers in America, so companies that have a smaller presence are not factored into this list. To get price quotes from the most competitive companies in Colorado, simply click here.

Top 10 Major Auto Insurers Overall in Aurora

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Allstate

Cautious Aurora drivers save money

The easiest method to receive the most affordable insurance premiums in Aurora for a F-150 pickup is to be an attentive driver and not receive tickets or have accidents. The example below shows how traffic citations and fender-benders increase annual premium costs for different categories of driver ages. The rates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

In the example above, the average cost of auto insurance per year with no accidents or violations is $1,587. Add in one speeding ticket and the average cost surges to $1,826, an increase of $239 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Ford F-150 increases to an average of $4,017. That’s an increase of $2,430, or $203 per month, just for not keeping your driving record clean!

Why are you paying too much to insure your F-150?

Aurora, CO insurance rates are impacted by many things that control the cost of having a policy. Simply having another birthday, filing a claim, or getting a ticket for careless driving can cause premium changes that may make certain companies cheaper than before.

Not only may things change on your end, but car insurance companies change premium rates without warning in order to offset underwriting gains or losses. Unexpectedly high claims can result in more expensive premiums, while profitable underwriting can result in lower-priced F-150 insurance rates.

For instance, the chart below analyzes the cheapest car insurance in Aurora, CO for a 35-year-old male driver with no prior accidents, a clean driving record, and great credit. If we estimate prices based on his personal risk profile, The Hartford might quote the cheapest car insurance rates in Aurora at $1,119 annually. This is $459 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are the remainder of the cheapest Aurora, CO auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example an at-fault accident, a lower credit rating, and a couple of points charged on his driving record. Since each auto insurance company has a unique approach to set policy rates, comparing rates could now result in a different list of the cheapest car insurance companies in Aurora as shown below.

Travelers now has the cheapest price in Aurora with State Farm, American Family, Grange, and Amica now being in the top five. This shows why Aurora drivers need to perform an extensive rate comparison when trying to find affordable insurance rates for a Ford F-150.

Car insurance prices are calculated by many risk factors and can change without notice, so the cheapest rate the last time you shopped your coverage around may now cost much more than other companies.