Buying competitive insurance for a Ford F-150 in South Carolina is pretty simple, but it hinges on an enormous amount of factors such as driver age, if you have prior claims, and your policy deductibles. Drivers pay around $861 annually for F-150 insurance, but that amount is an estimation based on a 50-year-old married female driver with full physical damage coverage and $500 deductibles.

The problem with using this number is the good chance you may not be 50 years old (or even female), single instead of married, and maybe you want different deductibles. Each driver's needs are different, and that demonstrates why the only way to find the cheapest coverage for your Ford is to compare rates from as many companies as possible.

View Ford F-150 Insurance Rates

The specific model of F-150 tends to have a direct impact on the yearly cost, so the price you will be charged to insure a F-150 XL Regular Cab 2WD model will cost $222 less than the insurance cost for the high end F-150 Lariat Crew Cab Platinum 4WD version, as demonstrated by the prices below.

Ford F-150 Insurance Rates in South Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $144 $192 $320 $18 $96 $770 $64
F-150 STX Regular Cab 2WD $144 $244 $320 $18 $96 $822 $69
F-150 XL Super Cab 2WD $144 $244 $320 $18 $96 $822 $69
F-150 XLT Regular Cab 2WD $144 $244 $320 $18 $96 $822 $69
F-150 STX Super Cab 2WD $144 $244 $320 $18 $96 $822 $69
F-150 XL Crew Cab 2WD $166 $244 $320 $18 $96 $844 $70
F-150 XLT Super Cab 2WD $166 $244 $320 $18 $96 $844 $70
F-150 STX Regular Cab 4WD $166 $244 $320 $18 $96 $844 $70
F-150 XL Regular Cab 4WD $166 $244 $320 $18 $96 $844 $70
F-150 FX2 Super Cab 2WD $166 $244 $320 $18 $96 $844 $70
F-150 XLT Crew Cab 2WD $166 $244 $320 $18 $96 $844 $70
F-150 XL Super Cab 4WD $166 $244 $320 $18 $96 $844 $70
F-150 XLT Regular Cab 4WD $166 $244 $320 $18 $96 $844 $70
F-150 XL Crew Cab 4WD $186 $244 $320 $18 $96 $864 $72
F-150 STX Super Cab 4WD $186 $244 $320 $18 $96 $864 $72
F-150 XLT Super Cab 4WD $186 $244 $320 $18 $96 $864 $72
F-150 FX2 2WD $186 $298 $320 $18 $96 $918 $77
F-150 Lariat Super Cab 2WD $186 $298 $320 $18 $96 $918 $77
F-150 Lariat Crew Cab 2WD $186 $298 $320 $18 $96 $918 $77
F-150 FX4 Super Cab 4WD $186 $298 $320 $18 $96 $918 $77
F-150 XLT Crew Cab 4WD $186 $298 $320 $18 $96 $918 $77
F-150 FX4 4WD $186 $298 $320 $18 $96 $918 $77
F-150 Lariat Crew Cab 4WD $186 $298 $320 $18 $96 $918 $77
F-150 SVT Raptor Super Cab 4WD $186 $298 $320 $18 $96 $918 $77
F-150 Lariat Super Cab 4WD $186 $298 $320 $18 $96 $918 $77
F-150 Lariat Crew Cab Platinum 2WD $186 $350 $320 $18 $96 $970 $81
F-150 Lariat Crew Cab Harley 2WD $186 $350 $320 $18 $96 $970 $81
F-150 Lariat King Ranch 2WD $186 $350 $320 $18 $96 $970 $81
F-150 Lariat King Ranch 4WD $208 $350 $320 $18 $96 $992 $83
F-150 Lariat Crew Cab Harley 4WD $208 $350 $320 $18 $96 $992 $83
F-150 Lariat Crew Cab Platinum 4WD $208 $350 $320 $18 $96 $992 $83
Get Your Own Custom Quote Go

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in South Carolina location which can increase or decrease auto insurance rates substantially.

Picking the highest-rated auto insurance provider can be rather challenging considering how many companies sell coverage in South Carolina. The rank data displayed below may help you choose which car insurance providers you want to consider when buying insurance for a Ford F-150. These ratings are only comprised of the largest companies in America, so smaller companies that only insure vehicles in South Carolina will not be included in these rankings.

Top 10 Major Car Insurance Companies in South Carolina Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Car Insurance Companies in South Carolina Ranked by A.M. Best Rating

  1. Travelers - A++
  2. USAA - A++
  3. GEICO - A++
  4. State Farm - A++
  5. Titan Insurance - A+
  6. Esurance - A+
  7. Progressive - A+
  8. Nationwide - A+
  9. The Hartford - A+
  10. Allstate - A+

Top Companies for Ford F-150 Insurance in South Carolina

The information below highlights how deductible selection can affect insurance rates when trying to find cheap insurance for a Ford F-150 in South Carolina. The price estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 40-year-old driver could lower rates by $290 a year by changing from a $100 deductible to a $500 deductible, or save $442 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could possibly save up to $948 every year by choosing a higher deductible.

When raising deductibles, it will be important to have enough savings to enable you to pay the extra out-of-pocket expense associated with higher deductibles.

You are probably paying too much for F-150 insurance

South Carolina car insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Improving your credit score, buying a new vehicle, or getting a ticket for careless driving can trigger rate changes that may make certain companies much cheaper than others. And not only may your rating factors change, but insurance companies change rates multiple times each year to adjust for gains or losses. An unexpected high level of claims may cause more expensive prices, while a better loss history may result in cheaper F-150 insurance rates.

The bar chart below shows which companies have the cheapest car insurance in South Carolina for a 30-year-old male driver with no violations or accidents, and good credit. If we estimate rates based on his current situation, The Hartford may offer the lowest car insurance rates in South Carolina at $745 each year. This is $864 less than the average rate paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau are also on the list of the most affordable South Carolina auto insurance companies.

In the next rate comparison, we'll give the driver from the first set of rates some claims, a lower credit score, and a blemish on his driving record. Since each insurance company has their own process for determining rates in each state, analyzing rates could now result in a new list of affordable companies as shown below.

National Grange Mutual now has the cheapest car insurance in South Carolina with Travelers, USAA, State Farm, and The Hartford now rounding out the top five. This example proves why South Carolina drivers need to do a thorough rate comparison to get the best insurance quotes for a Ford F-150.

Auto insurance prices are impacted by many risk factors and can increase or decrease at any time, so the most economical company the last time you compared rates may now cost much more than other companies.

How to find economical auto insurance for a Ford F-150

The list below details many money-saving solutions that can help South Carolina drivers locate cheaper coverage.

The last tip in the list is incredibly vital, as was emphasized in this write-up. Auto insurance rates fluctuate constantly, so don't hesitate to switch companies if you can find a cheaper rate.

We understand brand loyalty, but it's not recommended if that stubbornness costs you money that could be used for better things. In just a few minutes you could compare rates and find cheaper car insurance for a Ford F-150.