Who Has Affordable Auto Insurance for a Ford F-150 in Santa Ana?

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Buying competitive coverage for a Ford F-150 in California is dependent upon a very complex rating algorithm that uses multiple factors such as whether you are male or female, your claims history, and your choice of deductibles. California drivers pay approximately $1,510 annually to insure their F-150, but that price is an estimation based upon a 30-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.

More likely than not, you're not a 30-year-old male, you might be married instead of single, and you need different coverage limits than the sample rates. Even a slight change in the rating criteria used to formulate rates could end up with a large change in how much insurance for a Ford F-150 costs.

Different coverage needs are the reason why the best way to find the cheapest insurance price for your Ford is to just take the time to compare rates yourself. In just a couple of minutes you will be able to compare rates from the cheapest companies that sell coverage in California.

Compare Ford F-150 Insurance Rates

Your Ford's trim level tends to have a direct effect on the cost of insurance, so the rate you pay to insure a F-150 XL Regular Cab 2WD model will be $370 cheaper than the price to insure the more well-appointed F-150 Lariat Crew Cab Platinum 4WD model, as shown in the prices below.

Ford F-150 Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $276 $298 $578 $34 $174 $1,360 $113
F-150 STX Regular Cab 2WD $276 $382 $578 $34 $174 $1,444 $120
F-150 XL Super Cab 2WD $276 $382 $578 $34 $174 $1,444 $120
F-150 XLT Regular Cab 2WD $276 $382 $578 $34 $174 $1,444 $120
F-150 STX Super Cab 2WD $276 $382 $578 $34 $174 $1,444 $120
F-150 XL Crew Cab 2WD $316 $382 $578 $34 $174 $1,484 $124
F-150 XLT Super Cab 2WD $316 $382 $578 $34 $174 $1,484 $124
F-150 STX Regular Cab 4WD $316 $382 $578 $34 $174 $1,484 $124
F-150 XL Regular Cab 4WD $316 $382 $578 $34 $174 $1,484 $124
F-150 FX2 Super Cab 2WD $316 $382 $578 $34 $174 $1,484 $124
F-150 XLT Crew Cab 2WD $316 $382 $578 $34 $174 $1,484 $124
F-150 XL Super Cab 4WD $316 $382 $578 $34 $174 $1,484 $124
F-150 XLT Regular Cab 4WD $316 $382 $578 $34 $174 $1,484 $124
F-150 XL Crew Cab 4WD $358 $382 $578 $34 $174 $1,526 $127
F-150 STX Super Cab 4WD $358 $382 $578 $34 $174 $1,526 $127
F-150 XLT Super Cab 4WD $358 $382 $578 $34 $174 $1,526 $127
F-150 FX2 2WD $358 $464 $578 $34 $174 $1,608 $134
F-150 Lariat Super Cab 2WD $358 $464 $578 $34 $174 $1,608 $134
F-150 Lariat Crew Cab 2WD $358 $464 $578 $34 $174 $1,608 $134
F-150 FX4 Super Cab 4WD $358 $464 $578 $34 $174 $1,608 $134
F-150 XLT Crew Cab 4WD $358 $464 $578 $34 $174 $1,608 $134
F-150 FX4 4WD $358 $464 $578 $34 $174 $1,608 $134
F-150 Lariat Crew Cab 4WD $358 $464 $578 $34 $174 $1,608 $134
F-150 SVT Raptor Super Cab 4WD $358 $464 $578 $34 $174 $1,608 $134
F-150 Lariat Super Cab 4WD $358 $464 $578 $34 $174 $1,608 $134
F-150 Lariat Crew Cab Platinum 2WD $358 $546 $578 $34 $174 $1,690 $141
F-150 Lariat Crew Cab Harley 2WD $358 $546 $578 $34 $174 $1,690 $141
F-150 Lariat King Ranch 2WD $358 $546 $578 $34 $174 $1,690 $141
F-150 Lariat King Ranch 4WD $398 $546 $578 $34 $174 $1,730 $144
F-150 Lariat Crew Cab Harley 4WD $398 $546 $578 $34 $174 $1,730 $144
F-150 Lariat Crew Cab Platinum 4WD $398 $546 $578 $34 $174 $1,730 $144
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific Santa Ana garaging location which can change prices greatly.

Auto insurance company ratings

Choosing the best company is difficult considering how many different insurance companies sell coverage in Santa Ana. The ranking information displayed below can help you decide which car insurance providers to look at when insurance shopping for a Ford F-150.

The rankings below are only comprised of the largest auto insurers in America, so companies without a large exposure will not be included in the list. To get rate quotes from these and other companies in California, just click here.

Top 10 Large Auto Insurance Providers in Santa Ana Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Large Auto Insurance Providers in Santa Ana Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Does full coverage make sense?

Saving money when shopping for auto insurance is the goal of most vehicle owners, and one of the easiest ways to pay less for insurance for a Ford F-150 is to not pay for full coverage. The illustration below illustrates the comparison of auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The data is based on no claims, a clean driving record, $500 deductibles, single marital status, and no policy discounts are applied.

If averaged out across all ages, comprehensive and collision coverage on your policy costs an additional $2,349 per year more than insuring for liability only. Lot's of drivers question if it's a good idea to buy full coverage. There is no exact formula for dropping comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

Here's why price comparisons are so important

Santa Ana auto insurance rates are influenced by many factors that will increase or decrease the price you pay for coverage. Getting older, increasing deductibles, or getting a ticket for running a stop sign may generate price changes resulting in some companies being cheaper than others. Not only may your situation change, but insurers change prices without warning to ensure their profitability. Higher than normal claims can result in rate increases, while lower claims can result in cheaper F-150 insurance rates.

To help illustrate this point, the chart below shows the company with the cheapest car insurance in Santa Ana, CA for a 35-year-old male driver with no prior accidents, a clean driving record, and good financial standing. When comparing rates based on his current risk factors, USAA might offer the best car insurance rates in Santa Ana at $1,287 a year. This is $364 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the most affordable Santa Ana, CA auto insurance companies.

In the next rate comparison, we'll give the driver from the first set of rates a claim or two, a lower credit rating, and a couple of points charged on his driving record. Because each insurer uses their own calculation to establish rates, comparing quotes may now result in a different list of companies as shown below.

Grange now has the cheapest insurance rate in Santa Ana, CA with Allied, Allstate, Mercury, and Progressive now being in the top five. This example proves why consumers need to take the time to spend some time comparing rates to get cheap car insurance quotes for a Ford F-150. Rates are influenced by many risk factors and change substantially, so the most affordable company two years ago may now be priced much higher than other options.

How to find more affordable auto insurance for a Ford F-150

It's not impossible to find cheaper rates, and here are many thrifty solutions that can help drivers find cheap car insurance.

The last idea is especially necessary, as was stressed in the prior article. Car insurance rates change constantly, so you should be ready to buy a policy from a new company if a better rate can be found. Brand loyalty is great, but it's not recommended if that stubbornness costs you hundreds of dollars a year. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for a Ford F-150 in Santa Ana.

The Santa Ana, CA, insurance agents below can aid you in deciding which insurance coverage you need, as many people would rather get some professional input when shopping around for cheaper insurance for a Ford F-150. It can be complicated to do it yourself, so a licensed agent can give comfort knowing your coverage gives you adequate asset protection.

To find an agent close to where you live, click the link at the bottom.

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