The best way we recommend to find low-cost Ford F-250 insurance is to do a yearly price comparison from companies that insure vehicles in Las Vegas. You can compare prices by completing these steps.
- Get an understanding of how companies price auto insurance and the things you can change to lower rates. Many rating factors that are responsible for high rates such as distracted driving and an imperfect credit rating can be rectified by paying attention to minor details.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while independent agents can quote rates from multiple companies. Get quotes now
- Compare the new rate quotes to your existing policy to see if a cheaper price is available in Las Vegas. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
- Provide written notification to your current company of your intention to cancel your existing policy and submit a completed policy application and payment to the new company. As soon as you have the new policy, store the certificate of insurance with your registration paperwork.
One tip to remember is to make sure you enter similar coverage information on every quote request and and to get price estimates from as many different insurance providers as possible. Doing this ensures a fair rate comparison and the most accurate and complete price analysis.
It’s shocking but over 70% of drivers renewed their policy with the same company for well over three years, and nearly 40% of drivers have never compared quotes from other companies. With the average car insurance premium being $1,621, Las Vegas drivers could save 35% every year just by getting comparison quotes, but they don’t invest the time required to compare rate quotes.
Insurance Rate Influencing Factors
The best way to find cheaper car insurance is to take a look at the different types of things that help determine the level of your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could help you find lower premium levels.
The following are some of the factors companies use to determine prices.
- Don’t cut corners with liability – The liability coverage on your policy will afford coverage if a court rules you are at fault for physical damage or personal injury to other. Your liability coverage provides for a legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
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Lower rates come with age – More mature drivers are shown to be more cautious, file fewer claims, and tend to be get fewer driving tickets. Young drivers are statistically shown to be easily distracted when at the wheel of a vehicle so they pay higher car insurance rates.
The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Lower prices with uninterrupted coverage – Going without insurance is a fast way to increase your car insurance rates. Not only will you pay more, getting caught without coverage could earn you fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the Nevada motor vehicle department.
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Avoid tickets and save – Even a single chargeable violation may cause rates to rise to the point where it’s not affordable. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers with flagrant violations such as reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
The example below illustrates how speeding tickets and fender-benders can raise Ford F-250 insurance prices for different categories of driver ages. The information is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
- Urban residents pay more – Living in less populated areas is a good thing when trying to find low car insurance rates. People in densely populated areas regularly have more aggressive driving styles and more time behind the wheel. Fewer drivers and short commutes means a lower chance of having an accident as well as less vandalism and auto theft.
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Loss statistics for a Ford F-250 – Companies use past loss statistics for each vehicle in order to profitably underwrite each model. Models that have a trend towards higher claims will have a higher cost to insure.
The table below outlines the actual insurance loss data for Ford F-250 vehicles. For each policy coverage, the claim amount for all vehicles, without regard to make or model, is a value of 100. Values that are below 100 indicate better than average losses, while percentage numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
Insurance Loss Ratings for Ford F-250 Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Ford F-250 4WD 58 97 85 Ford F-250 SuperCab 2WD 55 90 Ford F-250 SuperCab 4WD 72 118 71 48 Ford F-250 SuperCrew 2WD 75 101 125 Ford F-250 SuperCrew 4WD 86 132 176 44 44 90 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Analysis of Ford F-250 rates
The rate information displayed next covers a range of insurance costs for Ford F-250 models. Being more informed about how insurance policy premiums are calculated can help customers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $204 | $414 | $394 | $24 | $118 | $1,154 | $96 |
| F-250 XL Cabela Package 2WD | $232 | $486 | $394 | $24 | $118 | $1,254 | $105 |
| F-250 XL Super Cab 2WD | $232 | $486 | $394 | $24 | $118 | $1,254 | $105 |
| F-250 XLT 2WD | $232 | $486 | $394 | $24 | $118 | $1,254 | $105 |
| F-250 XL 4WD | $232 | $414 | $436 | $26 | $130 | $1,238 | $103 |
| F-250 XLT Super Cab 2WD | $232 | $486 | $394 | $24 | $118 | $1,254 | $105 |
| F-250 XL Super Cab Cabela Package 2WD | $232 | $486 | $394 | $24 | $118 | $1,254 | $105 |
| F-250 XL Harley Edition 2WD | $232 | $486 | $394 | $24 | $118 | $1,254 | $105 |
| F-250 XL Crew Cab 2WD | $232 | $486 | $394 | $24 | $118 | $1,254 | $105 |
| F-250 XLT 4WD | $232 | $486 | $436 | $26 | $130 | $1,310 | $109 |
| F-250 XL Cabela Package 4WD | $232 | $486 | $436 | $26 | $130 | $1,310 | $109 |
| F-250 XL Crew Cab 4WD | $232 | $486 | $436 | $26 | $130 | $1,310 | $109 |
| F-250 XL Super Cab 4WD | $232 | $486 | $436 | $26 | $130 | $1,310 | $109 |
| F-250 XL Crew Cab Cabela Package 2WD | $232 | $560 | $394 | $24 | $118 | $1,328 | $111 |
| F-250 XL Super Cab Harley Edition 2WD | $232 | $560 | $394 | $24 | $118 | $1,328 | $111 |
| F-250 XL Turbo Diesel 2WD | $232 | $560 | $394 | $24 | $118 | $1,328 | $111 |
| F-250 King Ranch Crew Cab 2WD | $232 | $560 | $394 | $24 | $118 | $1,328 | $111 |
| F-250 XLT Crew Cab 2WD | $232 | $560 | $394 | $24 | $118 | $1,328 | $111 |
| F-250 XL Super Cab Cabela Package 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XLT Super Cab 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XL Harley Edition 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 King Ranch Crew Cab 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 Lariat Crew Cab 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Super Cab Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Crew Cab Harley Edition 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 Lariat Super Cab 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XLT Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Cabela Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XLT Turbo Diesel 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XLT Crew Cab 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XL Super Cab Turbo Diesel 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XL Crew Cab Harley Edition 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XL Cabela Turbo Diesel 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 Lariat Super Cab 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XL Turbo Diesel 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XL Super Cab Harley Edition 4WD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Harley Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $258 | $560 | $394 | $24 | $118 | $1,354 | $113 |
| F-250 Lariat Crew Cab 4WD | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| F-250 Cabela Crew Cab 4WD | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| F-250 XL Harley Turbo Diesel 4WD | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $258 | $634 | $394 | $24 | $118 | $1,428 | $119 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $284 | $560 | $436 | $26 | $130 | $1,436 | $120 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $284 | $560 | $436 | $26 | $130 | $1,436 | $120 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $284 | $560 | $436 | $26 | $130 | $1,436 | $120 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $284 | $560 | $436 | $26 | $130 | $1,436 | $120 |
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in Las Vegas location which can alter rates considerably.
Car insurance rates based on gender in Las Vegas
The example below illustrates the difference between Ford F-250 insurance costs for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Full coverage versus liability-only in Las Vegas
The chart below illustrates the comparison of Ford F-250 insurance premiums with and without full coverage. The data assumes no claims or driving citations, $250 deductibles, single marital status, and no other discounts are factored in.
When to drop comp and collision
There is no written rule of when to eliminate physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Ford F-250 replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after the deductible is paid. If you are paying in excess of $300 a year to have full coverage, then it may be the right time to buy liability only.
There are a few situations where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
These discounts can lower your insurance rates
Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Some of these discounts will be visible at the time of quoting, but a few must be specifically requested in order for you to get them.
- Senior Discount – Drivers that qualify as senior citizens may be able to get a slight reduction on a Las Vegas auto insurance quote.
- Accident Waiver – This one is not really a discount per se, but companies like State Farm and GEICO may permit one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.
- Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts of 20% or more.
- Discounts for Good Drivers – Drivers who avoid accidents can pay as much as 50% less than drivers with accidents.
- Telematics Data – Las Vegas drivers who agree to allow their insurance company to track when and where they use their vehicle by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they show good driving skills.
- Student in College – Youth drivers who live away from home at college and do not have a car may be able to be covered for less.
- Braking Control Discount – Vehicles that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
- No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on Las Vegas auto insurance quote compared to bad drivers.
- Sign Online – A handful of larger companies give back up to $50 for buying your policy on the web.
- Military Discounts – Being deployed with a military unit could mean lower insurance rates.
You should keep in mind that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The illustration below visualizes the comparison of Ford F-250 auto insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims, a clean driving record, Nevada state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, safe-driver, marriage, and homeowner discounts applied.
If you would like to see a list of companies with significant discounts in Nevada, click here to view.
Frequent quotes can save
People change insurance companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, being labeled a high risk driver or even policy non-renewal. Regardless of your reason, choosing a new company is not as difficult as it may seem.
When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, someone sacrificed liability coverage limits and learned later that it was a big mistake. The goal is to buy enough coverage at a price you can afford and still be able to protect your assets.
We covered quite a bit of information on how to compare Ford F-250 insurance car insurance rates in Las Vegas. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheaper Las Vegas auto insurance quotes. You may even find the most savings is with a small mutual company.
Even more information can be found at these sites:
- Driving in Bad Weather (Insurance Information Institute)
- Who Has Cheap Las Vegas Auto Insurance After a Speeding Ticket? (FAQ)
- What Auto Insurance is Cheapest for Single Moms in Las Vegas? (FAQ)
- How Much are Car Insurance Quotes for Uninsured Drivers in Las Vegas? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)