Pricey Ford F-250 insurance in Los Angeles can stress out your monthly budget and possibly require postponing other expenditures. Comparing price quotes is a fast and free way to slash your bill and have more diposable income.
It goes without saying that car insurance companies want to keep your business as long as possible. People who shop around are likely to switch companies because they stand a good chance of finding a policy with better rates. Surprisingly, a recent survey revealed that drivers who shopped around every year saved on average $3,500 over four years as compared to drivers who never shopped around for better prices.
If finding the cheapest price for Ford F-250 insurance in Los Angeles is the reason for your visit, then knowing how to shop and compare coverages can help make the process easier and more efficient. Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute best price available on Ford F-250 insurance in Los Angeles.
The easiest way to compare policy rates for Ford F-250 insurance in Los Angeles is to understand all the major auto insurance companies participate in a system to provide you with free rate quotes. To start a quote, the only thing you need to do is provide a little information like if the vehicle is leased, how you use your vehicles, the type of vehicles you drive, and any included safety features. The rating information is automatically sent to insurance companies and you get price estimates immediately.
To start a quote now, click here and find out if you can get cheaper insurance in Los Angeles.
The companies shown below can provide quotes in California. If multiple companies are shown, it’s highly recommended you visit as many as you can to get the best price comparison.
Insurance analysis for a Ford F-250
The premium table below showcases detailed analysis of insurance costs for Ford F-250 models. Having a good understanding how prices are figured can be valuable when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| F-250 XL Cabela Package 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Super Cab 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XLT 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL 4WD | $314 | $464 | $552 | $32 | $166 | $1,528 | $127 |
| F-250 XLT Super Cab 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Super Cab Cabela Package 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Harley Edition 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Crew Cab 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XLT 4WD | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| F-250 XL Cabela Package 4WD | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| F-250 XL Crew Cab 4WD | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| F-250 XL Super Cab 4WD | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| F-250 XL Crew Cab Cabela Package 2WD | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| F-250 XL Super Cab Harley Edition 2WD | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| F-250 XL Turbo Diesel 2WD | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| F-250 King Ranch Crew Cab 2WD | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| F-250 XLT Crew Cab 2WD | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| F-250 XL Super Cab Cabela Package 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XLT Super Cab 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XL Harley Edition 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 King Ranch Crew Cab 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 Lariat Crew Cab 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Super Cab Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Crew Cab Harley Edition 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 Lariat Super Cab 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XLT Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Cabela Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XLT Turbo Diesel 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XLT Crew Cab 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XL Super Cab Turbo Diesel 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XL Crew Cab Harley Edition 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XL Cabela Turbo Diesel 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 Lariat Super Cab 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XL Turbo Diesel 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XL Super Cab Harley Edition 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Harley Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| F-250 Lariat Crew Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| F-250 Cabela Crew Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| F-250 XL Harley Turbo Diesel 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $348 | $712 | $500 | $30 | $150 | $1,740 | $145 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in specific Los Angeles garaging location which can raise or lower price quotes noticeably.
Rate increases following a ticket or accident
The example below highlights how speeding tickets and at-fault claims can raise Ford F-250 insurance rates for different age categories. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
Full coverage or liability only
The information below shows the comparison of Ford F-250 insurance premiums when comparing full coverage to liability only. The prices are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no other discounts are factored in.
Should you be buying full coverage?
There isn’t a written rule of when to phase out comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Ford F-250 replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying the physical damage deductible. If premiums are more than $200 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where only buying liability is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
Get cheaper Ford F-250 insurance in Los Angeles with discounts
Companies don’t always publicize all available discounts in a way that’s easy to find, so the list below contains both well-publicized as well as some of the hidden credits available to you. If you are not receiving all the discounts you qualify for, you’re paying more than you need to.
- Service Members Pay Less – Having an actively deployed family member could qualify you for better rates.
- Home Ownership Discount – Owning a house in Los Angeles can save you money because maintaining a house requires a higher level of personal finance.
- Safety Course Discount – Participating in a course in driver safety could cut 5% off your bill and make you a better driver.
- Safety Restraint Discount – Drivers who require all occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
- No Claim Discounts – Insureds with no claims or accidents pay much less when compared with bad drivers.
- Telematics Data – Insureds who allow driving data collection to track driving manner by using a telematic data system such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
A little disclaimer on discounts, some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely lower your policy premium.
The example below compares Ford F-250 auto insurance rates with and without some available policy discounts. The price estimates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.
To see insurance companies that offer discounts in California, click this link.
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Ford F-250 in Los Angeles, insurance is mandatory in California but it also protects more than you think.
- Most states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Ford F-250, most banks will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may insure your Ford at a significantly higher premium and force you to pay for the expensive policy.
- Insurance protects both your assets and your Ford. It will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. Today the average American driver is currently overpaying as much as $869 every year so compare rate quotes at every renewal to be sure current rates are still competitive.
When should I discuss my situation with an agent?
When choosing insurance from an agent or online for your personal vehicles, there really is no one-size-fits-all type of policy. Each situation is unique so your insurance should reflect that
These are some specific questions can help discover whether your personal situation would benefit from professional advice.
- Is my camper covered by my car insurance policy?
- How many claims can I have before being canceled?
- Am I covered by my spouse’s policy after a separation?
- Am I covered when driving someone else’s vehicle?
- What is high-risk coverage and where do I buy it?
- Do they offer discounts for home and auto coverage?
- What is an SR-22 filing?
- When can I cancel my policy?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Can’t I compare prices from local Los Angeles auto insurance agents?
A lot of people would rather go talk to an agent and that is a personal choice. Professional agents can point out coverage gaps and will help you if you have claims. One of the great benefits of getting free rate quotes online is you can get better rates and still buy from a local agent. And buying from neighborhood insurance agencies is especially important in Los Angeles.
Upon completion of this form (opens in new window), your insurance data is emailed to local insurance agents in Los Angeles that provide free Los Angeles auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies since rate quotes are delivered to the email address you provide. If you have a need to get a price quote for a specific company, you would need to go to their quote page and fill out the quote form the provide.
Selecting a provider requires you to look at more than just a cheap price quote. Here are some questions to ask:
- What is the agency’s Better Business Bureau rating?
- Are they actively involved in the community?
- Do they specialize in personal lines auto insurance in Los Angeles?
- What are their preferred companies if they are an independent agency?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the company use OEM repair parts?