Buying competitive auto insurance for a Ford F-150 in Oregon is pretty simple, but it depends on a whole bunch of factors such as whether you are married or single, the likelihood of your vehicle being stolen, and any driving offenses on your record. Oregon drivers pay approximately $1,053 a year to insure their F-150, but that is an estimation using a 30-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.

But there is a high likelihood that you are not 30 years old and maybe not even male, single instead of married, and maybe you want higher deductibles. Auto insurance is unique to each driver, so the way we recommend to find the most affordable coverage for your Ford is to do the rate comparisons yourself. Quotes are free and you will be able to see rates from top-rated companies that offer coverage in Oregon.

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Your Ford's trim level can impact the cost of coverage, so the rate you pay to insure a F-150 XL Regular Cab 2WD will be $316 less than the insurance cost for the more well-appointed F-150 Lariat Crew Cab Platinum 4WD model, as shown by the rates below.

Ford F-150 Insurance Rates in Oregon
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $216 $268 $320 $18 $96 $918 $77
F-150 STX Regular Cab 2WD $216 $342 $320 $18 $96 $992 $83
F-150 XL Super Cab 2WD $216 $342 $320 $18 $96 $992 $83
F-150 XLT Regular Cab 2WD $216 $342 $320 $18 $96 $992 $83
F-150 STX Super Cab 2WD $216 $342 $320 $18 $96 $992 $83
F-150 XL Crew Cab 2WD $246 $342 $320 $18 $96 $1,022 $85
F-150 XLT Super Cab 2WD $246 $342 $320 $18 $96 $1,022 $85
F-150 STX Regular Cab 4WD $246 $342 $320 $18 $96 $1,022 $85
F-150 XL Regular Cab 4WD $246 $342 $320 $18 $96 $1,022 $85
F-150 FX2 Super Cab 2WD $246 $342 $320 $18 $96 $1,022 $85
F-150 XLT Crew Cab 2WD $246 $342 $320 $18 $96 $1,022 $85
F-150 XL Super Cab 4WD $246 $342 $320 $18 $96 $1,022 $85
F-150 XLT Regular Cab 4WD $246 $342 $320 $18 $96 $1,022 $85
F-150 XL Crew Cab 4WD $278 $342 $320 $18 $96 $1,054 $88
F-150 STX Super Cab 4WD $278 $342 $320 $18 $96 $1,054 $88
F-150 XLT Super Cab 4WD $278 $342 $320 $18 $96 $1,054 $88
F-150 FX2 2WD $278 $416 $320 $18 $96 $1,128 $94
F-150 Lariat Super Cab 2WD $278 $416 $320 $18 $96 $1,128 $94
F-150 Lariat Crew Cab 2WD $278 $416 $320 $18 $96 $1,128 $94
F-150 FX4 Super Cab 4WD $278 $416 $320 $18 $96 $1,128 $94
F-150 XLT Crew Cab 4WD $278 $416 $320 $18 $96 $1,128 $94
F-150 FX4 4WD $278 $416 $320 $18 $96 $1,128 $94
F-150 Lariat Crew Cab 4WD $278 $416 $320 $18 $96 $1,128 $94
F-150 SVT Raptor Super Cab 4WD $278 $416 $320 $18 $96 $1,128 $94
F-150 Lariat Super Cab 4WD $278 $416 $320 $18 $96 $1,128 $94
F-150 Lariat Crew Cab Platinum 2WD $278 $490 $320 $18 $96 $1,202 $100
F-150 Lariat Crew Cab Harley 2WD $278 $490 $320 $18 $96 $1,202 $100
F-150 Lariat King Ranch 2WD $278 $490 $320 $18 $96 $1,202 $100
F-150 Lariat King Ranch 4WD $310 $490 $320 $18 $96 $1,234 $103
F-150 Lariat Crew Cab Harley 4WD $310 $490 $320 $18 $96 $1,234 $103
F-150 Lariat Crew Cab Platinum 4WD $310 $490 $320 $18 $96 $1,234 $103
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in garaging location in Oregon which can affect premium rates greatly.

Choosing a highly-rated car insurance provider is difficult considering how many choices you have in Oregon. The company ratings listed below could help you select which car insurance companies you want to consider comparing price quotes from. These ratings include the largest companies in America, so companies that may only write in Oregon are not factored into this list.

Top 10 Large Auto Insurers in Oregon Ranked by Customer Satisfaction

  1. USAA - 94%
  2. AAA Insurance - 91%
  3. Nationwide - 90%
  4. State Farm - 90%
  5. GEICO - 89%
  6. The Hartford - 89%
  7. The General - 88%
  8. 21st Century - 88%
  9. Allstate - 88%
  10. Liberty Mutual - 88%

Top 10 Large Auto Insurers in Oregon 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. Progressive - A+
  10. The General - A-

Top Companies for Ford F-150 Insurance in Oregon

Comparison of full coverage and liability-only policies

Reducing premiums for auto insurance is important to the majority of people, and one great way to reduce the cost of insurance for a Ford F-150 in Oregon is to buy only liability coverage. The illustration below shows the comparison of auto insurance rates with full coverage compared to only the Oregon minimum liability coverage. The rate quotes are based on no accidents, no driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.

If the expense is averaged for all age categories, full coverage costs $2,383 per year more than just insuring for liability. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no clear-cut formula to stop buying comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

There are some cases where dropping physical damage coverage is not in your best interest. If you haven't satisfied your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Your cheap F-150 insurance may actually be overpriced

Oregon auto insurance rates are calculated based on many things that control your annual premium. Simply having another birthday, adding a teenager to your policy, or getting a reckless driving citation can cause premium changes that may make certain companies more affordable than the competition.

Additionally, car insurance companies amend premium rates without warning to adjust for gains or losses. A period of higher than normal claims can result in additional premium costs, while lower claim levels can produce lower-cost F-150 insurance rates.

The chart below shows a variety of companies that have the cheapest car insurance in Oregon for a 30-year-old female driver with no accidents or violations, and great credit. If we compare prices based on her current situation, Grange may offer the lowest car insurance rates in Oregon at $715 annually. This is $763 less than the average policy premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA are also on the list of the cheapest Oregon auto insurance companies.

In this example, we will give the driver from above an accident surcharge, a lower credit rating, and a few blemishes on her driving record. Due to the fact that every insurance company has their own guidelines to set policy rates, getting updated rate quotes could now result in a different ranking of affordable Oregon car insurance companies as shown below.

Amica now has the lowest price in Oregon with Mutual Enumclaw, California Casualty, GEICO, and Country completing the list. This demonstrates why it is crucial to perform an extensive rate comparison when trying to get the most budget-friendly insurance rates for a Ford F-150. Rates are determined by many risk factors and change dramatically, so the most affordable company the last time you checked may now be quite expensive.

How to find the cheapest auto insurance for a Ford F-150

The list below shows some money-saving ideas that can help Oregon drivers buy cheap coverage.

That last idea is certainly necessary, as was pointed out in the prior article. Prices charged by auto insurers vary greatly, so drivers shouldn't be resistant to buy a different policy if a lower-cost policy is available. Many drivers prefer to stick with one company, but it's not recommended if that dedication is costing lots of money. If you have a few minutes, compare rates to find cheaper car insurance for a Ford F-150.