Buying competitive auto insurance for a Ford F-150 in Nebraska relies on a lot of rating factors such as the mileage of your daily commute, your credit rating, and driving citations. Drivers in Nebraska will pay around $1,224 each year for F-150 insurance, but that figure is a valuation based on a 40-year-old single male driver with full coverage and $100 deductibles.
Most likely you aren’t exactly 40 years old or even a male, possibly married instead of single, and you don’t want the same coverages and limits as the example. Having the smallest difference in rating factors or requested coverage amount can make a large difference in the price of a policy.
This shows why the way we recommend to find cheap insurance rates for your Ford is to just take the time to compare rates yourself.
The specific model of F-150 will have an impact the insurance rate, so the rate you will pay to insure a F-150 XL Regular Cab 2WD will be $386 less than the price to insure the higher-end F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $220 | $344 | $362 | $22 | $108 | $1,056 | $88 |
| F-150 STX Regular Cab 2WD | $220 | $440 | $362 | $22 | $108 | $1,152 | $96 |
| F-150 XL Super Cab 2WD | $220 | $440 | $362 | $22 | $108 | $1,152 | $96 |
| F-150 XLT Regular Cab 2WD | $220 | $440 | $362 | $22 | $108 | $1,152 | $96 |
| F-150 STX Super Cab 2WD | $220 | $440 | $362 | $22 | $108 | $1,152 | $96 |
| F-150 XL Crew Cab 2WD | $252 | $440 | $362 | $22 | $108 | $1,184 | $99 |
| F-150 XLT Super Cab 2WD | $252 | $440 | $362 | $22 | $108 | $1,184 | $99 |
| F-150 STX Regular Cab 4WD | $252 | $440 | $362 | $22 | $108 | $1,184 | $99 |
| F-150 XL Regular Cab 4WD | $252 | $440 | $362 | $22 | $108 | $1,184 | $99 |
| F-150 FX2 Super Cab 2WD | $252 | $440 | $362 | $22 | $108 | $1,184 | $99 |
| F-150 XLT Crew Cab 2WD | $252 | $440 | $362 | $22 | $108 | $1,184 | $99 |
| F-150 XL Super Cab 4WD | $252 | $440 | $362 | $22 | $108 | $1,184 | $99 |
| F-150 XLT Regular Cab 4WD | $252 | $440 | $362 | $22 | $108 | $1,184 | $99 |
| F-150 XL Crew Cab 4WD | $286 | $440 | $362 | $22 | $108 | $1,218 | $102 |
| F-150 STX Super Cab 4WD | $286 | $440 | $362 | $22 | $108 | $1,218 | $102 |
| F-150 XLT Super Cab 4WD | $286 | $440 | $362 | $22 | $108 | $1,218 | $102 |
| F-150 FX2 2WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 Lariat Super Cab 2WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 Lariat Crew Cab 2WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 FX4 Super Cab 4WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 XLT Crew Cab 4WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 FX4 4WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 Lariat Crew Cab 4WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 SVT Raptor Super Cab 4WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 Lariat Super Cab 4WD | $286 | $536 | $362 | $22 | $108 | $1,314 | $110 |
| F-150 Lariat Crew Cab Platinum 2WD | $286 | $632 | $362 | $22 | $108 | $1,410 | $118 |
| F-150 Lariat Crew Cab Harley 2WD | $286 | $632 | $362 | $22 | $108 | $1,410 | $118 |
| F-150 Lariat King Ranch 2WD | $286 | $632 | $362 | $22 | $108 | $1,410 | $118 |
| F-150 Lariat King Ranch 4WD | $318 | $632 | $362 | $22 | $108 | $1,442 | $120 |
| F-150 Lariat Crew Cab Harley 4WD | $318 | $632 | $362 | $22 | $108 | $1,442 | $120 |
| F-150 Lariat Crew Cab Platinum 4WD | $318 | $632 | $362 | $22 | $108 | $1,442 | $120 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in vehicle garaging location which can alter prices noticeably.
Establishing which companies offer the most affordable auto insurance rates for a Ford F-150 will involve a tad more effort than just comparing rates from one or two companies.
Each auto insurer uses a little different formula for establishing rates, so to begin we’ll rank the most affordable auto insurance companies in Nebraska. We do need to point out that Nebraska auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Improving your credit score, moving across town, or getting a driving violation may cause policy rate changes resulting in some companies being much cheaper than others.
Compare Cheap Insurance Quotes for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $788 |
| 2 | The Hartford | $865 |
| 3 | Auto-Owners | $905 |
| 4 | Allied | $921 |
| 5 | Farm Bureau Mutual | $980 |
| 6 | Farmers Mutual of Nebraska | $989 |
| 7 | Nationwide | $997 |
| 8 | State Farm | $1,043 |
| 9 | American National | $1,054 |
| 10 | General Casualty | $1,092 |
| 11 | USAA | $1,116 |
| 12 | MetLife | $1,280 |
| 13 | American Family | $1,296 |
| 14 | California Casualty | $1,296 |
| 15 | EMC | $1,300 |
| 16 | GEICO | $1,308 |
| 17 | Iowa Mutual | $1,308 |
| 18 | Progressive | $1,460 |
| 19 | Farmers | $1,602 |
| 20 | North Star | $1,710 |
| Get Personalized Rates Go | ||
Safeco has some of the lowest car insurance rates in Omaha at around $788 a year. This is $528 less than the average policy premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual are also some of the best Omaha, NE auto insurance companies.
As shown in the rates above, if you currently buy coverage from Allied and switched to Safeco, you might realize annual savings of about $133. Nebraska drivers with Farm Bureau Mutual could save as much as $192 a year, and Farmers Mutual of Nebraska insureds might lower prices by $201 a year.
To compare your rates to other Nebraska insurance companies, click here to start a quote or visit several of the following companies.
It’s important to note that these prices are averaged for all drivers and vehicles and do not take into consideration a vehicle location for a Ford F-150. So the insurer that has the cheapest rates for you may not even be in the top 24 companies in the list above. That is why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
Drive safe and save
The recommended way to score cheap auto insurance premiums in Nebraska for a F-150 pickup is to drive attentively and avoid traffic citations and accidents. The chart below highlights how traffic violations and accidents increase insurance costs for different ages of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
In the previous chart, the average cost of auto insurance in Omaha per year with no violations or accidents is $1,473. Add in one speeding ticket and the average cost rises to $1,713, an increase of $240 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 $2,383. That’s an increase of $910, or $76 per month, just for not paying attention while driving!
Get discounts on Omaha auto insurance rates
Auto insurance companies that offer coverage for a Ford F-150 could also offer discounts that can lower rates by as much as 35% or more if you are eligible to receive them. A list of auto insurance companies and their offered discounts are included below.
- Progressive has discounts for multi-policy, online signing, continuous coverage, good student, and homeowner.
- GEICO offers discounts for multi-vehicle, driver training, military active duty, emergency military deployment, seat belt use, and daytime running lights.
- State Farm may have discounts that include good student, good driver, multiple autos, Steer Clear safe driver discount, student away at school, and accident-free.
- Esurance has savings for multi-car, renters, DriveSense, paid-in-full, claim free, and emergency road assistance.
- The Hartford policyholders can earn discounts including driver training, bundle, defensive driver, vehicle fuel type, air bag, anti-theft, and good student.
The chart below illustrates the comparison of car insurance costs with and without policy discounts. The costs are based on a male driver, no violations or accidents, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, anti-theft, multiple vehicle, passive restraint, claim-free, and safe-driver discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for a Ford F-150 is 28% or $520.
Your cheap F-150 insurance may actually be overpriced
Nebraska auto insurance rates are determined by lots of factors which can significantly increase or decrease the policy price. Simply turning a year older, moving to a new city, or having an accident can trigger price changes that can make some companies cheaper than competitors.
In addition to those changes, car insurance companies amend pricing every year in order to be able to pay unexpected claims. Higher than normal claims may result in rate hikes, while a lower level of claims can result in cheaper F-150 insurance rates.
The graph below demonstrates which company has the cheapest car insurance in Omaha, NE for a 40-year-old female driver with no accidents, a clean driving record, and solid credit. If we look at prices based on her current situation, Safeco offers the lowest car insurance rates in Omaha at $923 annually. This is $393 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska also make the list of the best Omaha, NE auto insurance companies.
Now we will give the driver in the first example a claim surcharge, bad credit, and a speeding citation. Since each company has their own guidelines for determining rates in each state, comparing prices could result in a completely different list of the cheapest companies as shown below.
State Farm now has the cheapest car insurance in Omaha with Nationwide, American National, USAA, and General Casualty also being competitive. This example shows why it is important to perform a complete rate comparison when trying to find the cheapest car insurance rates for a Ford F-150.
Rates can be altered by many things and change dramatically, so the cheapest rate three years ago may now be one of the higher cost companies.
Tips for finding the cheapest insurance for a Ford F-150
The list below shows some of the recommended thrifty ideas that can help drivers buy low-cost auto insurance.
- Accidents can significantly increase rates
- Buy vehicles with five-star safety ratings
- Older vehicles may not need full coverage
- Increase your credit rating
- Increase the comprehensive and collision deductibles on your policy
- Be a safe driver
- Shop your coverage around for the best deal
The last tip in the list is incredibly important, as was discussed in this article. Car insurance prices can change considerably based on profitability, so don’t be unwilling to change insurance companies if a more affordable price is available. Being loyal to a particular company is commendable, but it isn’t a good idea if that loyalty results in overpaying lots of money. Now is a great time to compare rates and find cheaper auto insurance for a Ford F-150 in Omaha.