Who Has Affordable Auto Insurance Rates for a Ford F-150 in Tulsa?

Buying the best cheap auto insurance for a Ford F-150 depends on many rating criteria such as whether you are single or married, if you are a frequent claim filer, and driving citations. Oklahoma drivers will pay around $1,359 annually for F-150 insurance, but that cost is an estimate based on a 30-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.

The issue that arises when projecting rates is that it’s very likely that you’re not a 30-year-old male, possibly married instead of single, and maybe you want higher deductibles. Just a very minor change in rating criteria or coverage limits can make a big difference in the coverage rate.

Auto insurance is not the same for everyone, so the only way to find the cheapest insurance price for your Ford is to compare as many rates as you can.

Cheapest Ford F-150 Insurance Rates

The trim level of your vehicle has an effect on the yearly cost, so the price you will pay to insure a F-150 XL Regular Cab 2WD will be $290 cheaper than the cost to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the table below.

Ford F-150 Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $212 $236 $588 $34 $176 $1,246 $104
F-150 STX Regular Cab 2WD $212 $302 $588 $34 $176 $1,312 $109
F-150 XL Super Cab 2WD $212 $302 $588 $34 $176 $1,312 $109
F-150 XLT Regular Cab 2WD $212 $302 $588 $34 $176 $1,312 $109
F-150 STX Super Cab 2WD $212 $302 $588 $34 $176 $1,312 $109
F-150 XL Crew Cab 2WD $244 $302 $588 $34 $176 $1,344 $112
F-150 XLT Super Cab 2WD $244 $302 $588 $34 $176 $1,344 $112
F-150 STX Regular Cab 4WD $244 $302 $588 $34 $176 $1,344 $112
F-150 XL Regular Cab 4WD $244 $302 $588 $34 $176 $1,344 $112
F-150 FX2 Super Cab 2WD $244 $302 $588 $34 $176 $1,344 $112
F-150 XLT Crew Cab 2WD $244 $302 $588 $34 $176 $1,344 $112
F-150 XL Super Cab 4WD $244 $302 $588 $34 $176 $1,344 $112
F-150 XLT Regular Cab 4WD $244 $302 $588 $34 $176 $1,344 $112
F-150 XL Crew Cab 4WD $276 $302 $588 $34 $176 $1,376 $115
F-150 STX Super Cab 4WD $276 $302 $588 $34 $176 $1,376 $115
F-150 XLT Super Cab 4WD $276 $302 $588 $34 $176 $1,376 $115
F-150 FX2 2WD $276 $368 $588 $34 $176 $1,442 $120
F-150 Lariat Super Cab 2WD $276 $368 $588 $34 $176 $1,442 $120
F-150 Lariat Crew Cab 2WD $276 $368 $588 $34 $176 $1,442 $120
F-150 FX4 Super Cab 4WD $276 $368 $588 $34 $176 $1,442 $120
F-150 XLT Crew Cab 4WD $276 $368 $588 $34 $176 $1,442 $120
F-150 FX4 4WD $276 $368 $588 $34 $176 $1,442 $120
F-150 Lariat Crew Cab 4WD $276 $368 $588 $34 $176 $1,442 $120
F-150 SVT Raptor Super Cab 4WD $276 $368 $588 $34 $176 $1,442 $120
F-150 Lariat Super Cab 4WD $276 $368 $588 $34 $176 $1,442 $120
F-150 Lariat Crew Cab Platinum 2WD $276 $432 $588 $34 $176 $1,506 $126
F-150 Lariat Crew Cab Harley 2WD $276 $432 $588 $34 $176 $1,506 $126
F-150 Lariat King Ranch 2WD $276 $432 $588 $34 $176 $1,506 $126
F-150 Lariat King Ranch 4WD $306 $432 $588 $34 $176 $1,536 $128
F-150 Lariat Crew Cab Harley 4WD $306 $432 $588 $34 $176 $1,536 $128
F-150 Lariat Crew Cab Platinum 4WD $306 $432 $588 $34 $176 $1,536 $128
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific garaging location which can impact premium rates significantly.

Figuring out which insurers offer the most affordable car insurance rates for a Ford F-150 will involve more work in order to find the lowest price. Every insurance provider has their own guidelines to determine premium rates, so let’s rank the car insurance companies with the overall best prices in Oklahoma.

It’s important that you understand Tulsa, OK car insurance rates are calculated based on many things that can increase the policy premium. Improving your credit rating, increasing liability limits, or getting a speeding ticket can trigger rate changes that can make some companies more affordable than competitors.

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Rankings for the cheapest Oklahoma auto insurance companies
Rank Company Cost Per Year
1 USAA $1,185
2 Oklahoma Farmers Union $1,202
3 The Hartford $1,333
4 Safe Auto $1,377
5 GEICO $1,381
6 Farmers $1,436
7 State Farm $1,568
8 Liberty Mutual $1,852
9 Travelers $1,868
10 Mercury $1,993
11 OK Farm Bureau $2,079
12 Shelter $2,108
13 Progressive $2,179
14 Home State $2,193
15 MetLife $2,213
16 Allstate $2,448
17 Safeco $5,056
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USAA has some of the cheapest car insurance rates in Tulsa at around $1,185 a year. Oklahoma Farmers Union, The Hartford, Safe Auto, and GEICO are also some of the most economical Tulsa, OK car insurance companies.

In the above example, if you currently have coverage with The Hartford and switched to USAA, you could earn yearly savings of approximately $148. Oklahoma drivers with Safe Auto may save as much as $192 a year, and GEICO insureds might reduce prices by as much as $196 a year.

To get a fast rate comparison, click here to get a free quote or click several companies below for low rates.

It’s important to note that these estimates are averages across all ages of drivers and types of vehicles and and are not figured with an exact vehicle garaging location for a Ford F-150. So the insurer that fits your age and vehicle best may not even be in the top 17 companies shown above. That point stresses why you need to get rate quotes from many companies using your own driver data and vehicle information.

Cost difference between full coverage and liability

Saving money on car insurance is probably important to the majority of drivers, and an effective way to pay less for insurance for a Ford F-150 is to only pay for liability coverage. The chart below illustrates the comparison of insurance premiums with full coverage compared to only the Oklahoma minimum liability coverage. The premium estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no discounts are factored in.

If the expense is averaged for all age categories, physical damage insurance costs an additional $2,065 per year over having just liability coverage. At some point, almost every driver questions if you should buy full coverage. There is no specific rule to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s say your vehicle’s settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If you are paying more than $600 a year for physical damage coverage, then it could be time to drop full coverage.

Why you should shop around for F-150 insurance

Tulsa car insurance rates are impacted by many factors that will increase or decrease the policy price. Turning one year older, moving to a different location, or getting a ticket for careless driving may prompt premium changes resulting in some rates now being cheaper than others. Not only that, but auto insurance companies change their prices at least once a year to adjust for heavy claims or excess profits. A period of increased losses can result in additional price hikes, while profitable underwriting may result in cheaper F-150 insurance rates.

The chart below shows the cheapest car insurance in Tulsa, OK for a 45-year-old female driver with no violations or accidents, and excellent credit. When quoting prices based on her personal profile, USAA might quote the lowest car insurance rates in Tulsa at $1,434 a year. This is $533 less than the average price paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto are also included in the most affordable Tulsa, OK auto insurance companies.

The next chart shows rates after we give the driver from the first example a claim surcharge, bad credit, and an imperfect driving record. Because each company has their own process for determining rates, comparing quotes could result in a different list of the cheapest Tulsa car insurance companies as shown below.

State Farm now has the cheapest insurance rate in Tulsa with Oklahoma Farmers Union, Liberty Mutual, The Hartford, and Travelers now rounding out the top five. This shows why consumers need to take the time to shop around with many companies when trying to find the most affordable auto insurance rates for a Ford F-150. Insurance prices are calculated by many factors and can change without notice, so the most affordable company the last time you shopped your coverage around may now be quite expensive.