Buying affordable auto insurance for a Ford F-150 in Missouri relies on a lot of different factors such as the safety rating for your F-150, your residence address, and if you have a history of accidents. Missouri drivers pay on average $807 annually for F-150 insurance, but that price is a valuation calculated using a 50-year-old single male driver with full coverage and $500 deductibles.
There’s a high likelihood you aren’t exactly 50 years old or even a male, married instead of single, and you want different coverage limits than the example. Just a slight change in the rating criteria used to formulate rates can result in a big discrepancy in the cost of insuring your F-150.
This shows why the best way to find the cheapest insurance price for your Ford is to just take the time to compare rates yourself.
Your Ford’s trim level impacts the cost of insurance, so the price you pay to insure a F-150 XL Regular Cab 2WD will cost $208 less than the price to insure the more well-appointed F-150 Lariat Crew Cab Platinum 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $126 | $186 | $302 | $18 | $90 | $722 | $60 |
| F-150 STX Regular Cab 2WD | $126 | $236 | $302 | $18 | $90 | $772 | $64 |
| F-150 XL Super Cab 2WD | $126 | $236 | $302 | $18 | $90 | $772 | $64 |
| F-150 XLT Regular Cab 2WD | $126 | $236 | $302 | $18 | $90 | $772 | $64 |
| F-150 STX Super Cab 2WD | $126 | $236 | $302 | $18 | $90 | $772 | $64 |
| F-150 XL Crew Cab 2WD | $144 | $236 | $302 | $18 | $90 | $790 | $66 |
| F-150 XLT Super Cab 2WD | $144 | $236 | $302 | $18 | $90 | $790 | $66 |
| F-150 STX Regular Cab 4WD | $144 | $236 | $302 | $18 | $90 | $790 | $66 |
| F-150 XL Regular Cab 4WD | $144 | $236 | $302 | $18 | $90 | $790 | $66 |
| F-150 FX2 Super Cab 2WD | $144 | $236 | $302 | $18 | $90 | $790 | $66 |
| F-150 XLT Crew Cab 2WD | $144 | $236 | $302 | $18 | $90 | $790 | $66 |
| F-150 XL Super Cab 4WD | $144 | $236 | $302 | $18 | $90 | $790 | $66 |
| F-150 XLT Regular Cab 4WD | $144 | $236 | $302 | $18 | $90 | $790 | $66 |
| F-150 XL Crew Cab 4WD | $162 | $236 | $302 | $18 | $90 | $808 | $67 |
| F-150 STX Super Cab 4WD | $162 | $236 | $302 | $18 | $90 | $808 | $67 |
| F-150 XLT Super Cab 4WD | $162 | $236 | $302 | $18 | $90 | $808 | $67 |
| F-150 FX2 2WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 Lariat Super Cab 2WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 Lariat Crew Cab 2WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 FX4 Super Cab 4WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 XLT Crew Cab 4WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 FX4 4WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 Lariat Crew Cab 4WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 SVT Raptor Super Cab 4WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 Lariat Super Cab 4WD | $162 | $288 | $302 | $18 | $90 | $860 | $72 |
| F-150 Lariat Crew Cab Platinum 2WD | $162 | $340 | $302 | $18 | $90 | $912 | $76 |
| F-150 Lariat Crew Cab Harley 2WD | $162 | $340 | $302 | $18 | $90 | $912 | $76 |
| F-150 Lariat King Ranch 2WD | $162 | $340 | $302 | $18 | $90 | $912 | $76 |
| F-150 Lariat King Ranch 4WD | $180 | $340 | $302 | $18 | $90 | $930 | $78 |
| F-150 Lariat Crew Cab Harley 4WD | $180 | $340 | $302 | $18 | $90 | $930 | $78 |
| F-150 Lariat Crew Cab Platinum 4WD | $180 | $340 | $302 | $18 | $90 | $930 | $78 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Kansas City which can affect coverage prices considerably.
Which insurance company is best in Missouri?
Finding a highly-rated auto insurance company is hard considering how many choices you have in Kansas City. The ranking data in the next section may help you analyze which companies you want to consider comparing rates with. The rankings below are for large nationwide companies, so companies that may only write in Missouri are not taken into consideration for this list.
Top 10 Large Car Insurance Companies in Kansas City Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- Safeco Insurance
- GEICO
- Esurance
- The General
Top 10 Large Car Insurance Companies Overall in Kansas City
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
How to get discounts on Kansas City insurance
Auto insurance companies that provide coverage for a Ford F-150 may also give you special discounts that can reduce rates by as much as 25% or more if you qualify for them. A list of companies and a summarized list of policyholder discounts can be found below.
- State Farm includes discounts for good student, multiple autos, defensive driving training, student away at school, and accident-free.
- Progressive offers premium reductions for multi-policy, homeowner, good student, online quote discount, online signing, and multi-vehicle.
- Progressive offers discounts for homeowner, online signing, multi-vehicle, continuous coverage, and good student.
- MetLife has discounts for claim-free, good student, defensive driver, good driver, multi-policy, accident-free
- Farm Bureau discounts include multi-policy, good student, multi-vehicle, 55 and retired, driver training, safe driver, and renewal discount.
- GEICO offers discounts including multi-vehicle, five-year accident-free, emergency military deployment, daytime running lights, and military active duty.
- SAFECO policyholders can earn discounts including anti-theft, multi-car, anti-lock brakes, teen safety rewards, safe driver, and accident prevention training.
The chart below visualizes the comparison of annual premium costs with and without policy discounts. The rates are based on a male driver, no accidents, no driving violations, Missouri state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, marriage, anti-theft, defensive driving course, claim-free, and vehicle safety discounts applied. When drivers take advantage of discounts, theamount saved on insurance for a Ford F-150 is 28% or $418.
Driving violations and accidents
One of the best ways to receive the best insurance premiums in Kansas City for a F-150 pickup is to drive carefully and avoid accidents and keep your driving record clean. The information below demonstrates how citations and accidents raise insurance costs for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of a car insurance policy in Missouri per year with no accidents or violations is $1,372. Receive two speeding tickets and the average cost hikes up to $1,808, an increase of $436 each year. Then add one accident along with the two speeding tickets and the yearly cost of insurance for a Ford F-150 jumps again to an average of $2,247. That’s an increase of $875, or $73 per month, just for not being more responsible behind the wheel!
How to find budget-friendly insurance for a Ford F-150
The list below shows a few thrifty suggestions that can help Missouri drivers get cheaper coverage.
- Pay lower rates with good credit
- Older vehicles may not need full coverage
- Drive attentively and avoid accidents
- Drive safe vehicles
- Avoid speeding and other traffic citations and pay less
- Increase the comprehensive and collision deductibles on your policy
- Compare rates once a year for cheaper prices
That last piece of advice is remarkably significant, as was emphasized in the prior information. Insurance rates in Kansas City vary considerably, so don’t be tentative to buy from a different company if a better deal can be had. Staying with the same car insurance company is fine, but it’s not a good idea if it’s costing you a lot of money every month. Take a couple minutes and compare prices and find cheaper auto insurance for a Ford F-150.
The agents shown below can probably help you make a decision which coverages and limits you need, since lots of people like to have a little guidance when comparing insurance rates for a Ford F-150. It can be challenging to find the cheapest rates, and agents can give satisfaction knowing your coverage gives you adequate coverage if you have an accident or claim. To locate an agency close to you, click the link at the bottom.
- Brady Crawford – State Farm Insurance Agent
8080 Ward Pkwy Ste 100 – Kansas City, MO 64114 – (816) 333-5853 - Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 - David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187 - Matt Rich Farmers Insurance Agency
5730 N Broadway – Kansas City, MO 64118 – (816) 479-4747 - State Farm: Steve Conway
1404 NW Vivion Rd – Kansas City, MO 64118 – (816) 452-6700