Locating the cheapest insurance for a Ford F-250 in Florida could be a painful process, but you can learn a few tricks to save time. There are more efficient ways to find insurance online so you’re going to learn the absolute fastest way to price shop coverage for a new or used Ford and obtain the lowest possible price from both online companies and Miami agents.
It’s a great practice to get comparison quotes once or twice a year due to the fact that insurance prices tend to go up over time. If you had the best quotes on Ford F-250 insurance in Miami on your last policy you can probably find a better rate now. There is a lot of wrong information about F-250 insurance on the web, but in a few minutes you can learn some excellent ideas to lower your insurance rates in Miami.
Locating the best rates in Miami is quite easy. If you have a current car insurance policy or need new coverage, use these cost-cutting techniques to reduce premiums without sacrificing coverage. Shoppers just need to learn the most efficient way to get comparison quotes from many different companies online.
All major insurance companies allow consumers to get prices direct online. Getting online rates for Ford F-250 insurance in Miami can be done by anyone as all you need to do is type in your coverage preferences into the quote form. Once you submit the form, the system orders your driving and credit reports and returns a price quote based on these factors.
Being able to quote online for Ford F-250 insurance in Miami helps simplify price comparisons, and it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest insurance rates.
To find out if lower rates are available, compare rates now from the companies shown below. If you have coverage now, it’s recommended you enter the insurance coverages exactly as they are listed on your policy. This ensures you’re receiving comparison quotes for the exact same coverage.
The providers in the list below are our best choices to provide price comparisons in Florida. If you want to find cheap auto insurance in Miami, FL, it’s highly recommended you get rate quotes from several of them to find the lowest car insurance rates.
Coverage statistics and figures
The data table shown below highlights different coverage costs for Ford F-250 models. Knowing how car insurance prices are formulated is important for making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $252 | $462 | $452 | $26 | $136 | $1,328 | $111 |
| F-250 XL Cabela Package 2WD | $284 | $544 | $452 | $26 | $136 | $1,442 | $120 |
| F-250 XL Super Cab 2WD | $284 | $544 | $452 | $26 | $136 | $1,442 | $120 |
| F-250 XLT 2WD | $284 | $544 | $452 | $26 | $136 | $1,442 | $120 |
| F-250 XL 4WD | $284 | $462 | $500 | $30 | $150 | $1,426 | $119 |
| F-250 XLT Super Cab 2WD | $284 | $544 | $452 | $26 | $136 | $1,442 | $120 |
| F-250 XL Super Cab Cabela Package 2WD | $284 | $544 | $452 | $26 | $136 | $1,442 | $120 |
| F-250 XL Harley Edition 2WD | $284 | $544 | $452 | $26 | $136 | $1,442 | $120 |
| F-250 XL Crew Cab 2WD | $284 | $544 | $452 | $26 | $136 | $1,442 | $120 |
| F-250 XLT 4WD | $284 | $544 | $500 | $30 | $150 | $1,508 | $126 |
| F-250 XL Cabela Package 4WD | $284 | $544 | $500 | $30 | $150 | $1,508 | $126 |
| F-250 XL Crew Cab 4WD | $284 | $544 | $500 | $30 | $150 | $1,508 | $126 |
| F-250 XL Super Cab 4WD | $284 | $544 | $500 | $30 | $150 | $1,508 | $126 |
| F-250 XL Crew Cab Cabela Package 2WD | $284 | $626 | $452 | $26 | $136 | $1,524 | $127 |
| F-250 XL Super Cab Harley Edition 2WD | $284 | $626 | $452 | $26 | $136 | $1,524 | $127 |
| F-250 XL Turbo Diesel 2WD | $284 | $626 | $452 | $26 | $136 | $1,524 | $127 |
| F-250 King Ranch Crew Cab 2WD | $284 | $626 | $452 | $26 | $136 | $1,524 | $127 |
| F-250 XLT Crew Cab 2WD | $284 | $626 | $452 | $26 | $136 | $1,524 | $127 |
| F-250 XL Super Cab Cabela Package 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XLT Super Cab 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Harley Edition 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 King Ranch Crew Cab 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 Lariat Crew Cab 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Super Cab Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Crew Cab Harley Edition 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 Lariat Super Cab 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XLT Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Cabela Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XLT Turbo Diesel 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XLT Crew Cab 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Super Cab Turbo Diesel 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Crew Cab Harley Edition 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Cabela Turbo Diesel 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 Lariat Super Cab 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Turbo Diesel 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XL Super Cab Harley Edition 4WD | $316 | $544 | $500 | $30 | $150 | $1,540 | $128 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Harley Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $316 | $626 | $452 | $26 | $136 | $1,556 | $130 |
| F-250 Lariat Crew Cab 4WD | $316 | $626 | $500 | $30 | $150 | $1,622 | $135 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $316 | $626 | $500 | $30 | $150 | $1,622 | $135 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $316 | $626 | $500 | $30 | $150 | $1,622 | $135 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $316 | $626 | $500 | $30 | $150 | $1,622 | $135 |
| F-250 Cabela Crew Cab 4WD | $316 | $626 | $500 | $30 | $150 | $1,622 | $135 |
| F-250 XL Harley Turbo Diesel 4WD | $316 | $626 | $500 | $30 | $150 | $1,622 | $135 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $316 | $626 | $500 | $30 | $150 | $1,622 | $135 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $316 | $708 | $452 | $26 | $136 | $1,638 | $137 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $348 | $626 | $500 | $30 | $150 | $1,654 | $138 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $348 | $626 | $500 | $30 | $150 | $1,654 | $138 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $348 | $626 | $500 | $30 | $150 | $1,654 | $138 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $348 | $626 | $500 | $30 | $150 | $1,654 | $138 |
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in Miami location which can change auto insurance rates noticeably.
The information below demonstrates how deductibles and can impact Ford F-250 annual premium costs for each age group. Data assumes a married female driver, full physical damage coverage, and no discounts are applied to the premium.
How careless driving impacts Miami auto insurance rates
The information below illustrates how speeding tickets and at-fault collisions raise Ford F-250 premium costs for different age groups. The costs are based on a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
You may qualify for discounts for Ford F-250 insurance in Miami
Car insurance companies don’t always publicize every discount available in an easy-to-find place, so the next list breaks down both well-publicized as well as the least known credits available to lower your premiums when you buy Miami auto insurance online.
- Multiple Vehicles – Buying a policy with several vehicles on the same insurance policy could earn a price break for each car.
- Federal Employees – Active or retired federal employment could qualify for a slight premium decrease depending on your company.
- Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
- College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Miami and do not have a car may be able to be covered for less.
- No Claims – Insureds who avoid accidents and claims pay much less in comparison to drivers with a long claim history.
- Lower Rates for Military – Having a family member in the military can result in better rates.
Drivers should understand that many deductions do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.
The chart below illustrates the difference between Ford F-250 yearly insurance costs with and without discounts. The information is based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, claim-free, homeowner, and multi-car discounts applied.
A few popular companies and a partial list of their discounts are outlined below.
- GEICO discounts include membership and employees, anti-lock brakes, anti-theft, federal employee, military active duty, and multi-vehicle.
- Travelers policyholders can earn discounts including student away at school, save driver, continuous insurance, early quote, good student, home ownership, and multi-policy.
- Farm Bureau offers premium reductions for multi-policy, multi-vehicle, youthful driver, good student, safe driver, driver training, and renewal discount.
- Liberty Mutual offers discounts for new move discount, preferred payment discount, hybrid vehicle, newly married, newly retired, multi-policy, and multi-car.
- American Family offers discounts including accident-free, defensive driver, multi-vehicle, bundled insurance, and good student.
- Progressive has discounts for homeowner, continuous coverage, online quote discount, good student, online signing, and multi-vehicle.
If you want cheaper Miami auto insurance quotes, ask every company how you can save money. All car insurance discounts might not be offered on policies in your area. To view providers that offer multiple discounts in Florida, follow this link.
Here’s why car insurance is not optional
Despite the fact that car insurance is not cheap in Miami, insurance may not be optional for several reasons.
- The majority of states have minimum liability requirements which means you are required to carry a specific minimum amount of liability in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Ford with a loan, most lenders will require you to carry insurance to guarantee payment of the loan. If you let the policy lapse, the lender will be forced to insure your Ford at a more expensive rate and require you to pay the higher premium.
- Insurance protects both your assets and your vehicle. It will also pay for all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, your policy will cover the repair costs.
The benefits of buying enough insurance outweigh the cost, especially for larger claims. But the average driver in Florida is currently overpaying as much as $865 each year so smart consumers compare quotes at every renewal to ensure rates are competitive.
Which car insurance company is best in Florida?
Insuring your vehicle with a high-quality insurer can be rather challenging considering how many choices there are in Florida. The information in the next section could help you analyze which insurers to look at comparing prices from.
Top 10 Miami Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Miami Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Insurance can be complex
Always remember that when buying the best insurance coverage for your personal vehicles, there really isn’t a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
These are some specific questions can aid in determining whether your personal situation could use an agent’s help.
- What if I owe more than I can insure my car for?
- Can my teen driver be rated on a liability-only vehicle?
- What are the liability requirements in my state?
- Is extra glass coverage worth it?
- Does my policy cover me when driving someone else’s vehicle?
- What is an umbrella policy?
- What discounts do I qualify for?
- Is my custom paint covered by insurance?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Insurance is available from local agents
Certain consumers would prefer to get advice from a local agent and that can be a great decision Agents can point out coverage gaps and give you someone to call. An additional benefit of getting free rate quotes online is the fact that drivers can get lower rates and still buy from a local agent.
Upon completion of this form (opens in new window), the quote information is sent to local insurance agents who will give competitive quotes for your insurance coverage. There is no need to even leave your home because prices are sent directly to you. In the event you want to compare prices from a specific insurance company, you just need to navigate to their website and complete a quote there.
Choosing an provider requires more thought than just a cheap price quote. Below are some questions you should ask.
- Does the agency provide any after hours assistance?
- Do they receive special compensation for putting your coverage with one company over another?
- How often do they review policy coverages?
- How many years have they been established?
- Will they give you a referral list?
- How many years of experience in personal auto insurance do they have?
Pick the best auto insurance agent in Miami for you
When researching a reliable insurance agency, it’s important to understand the different types of agencies that you can choose from. Agents in Miami can be classified as either exclusive or independent (non-exclusive). Both can insure your vehicles, but it’s good to learn the difference in how they write coverage since it can impact the type of agent you choose.
Exclusive Insurance Agencies
These type of agents generally can only insure with one company like Allstate and State Farm. They generally cannot compare other company’s rates so they have no alternatives for high prices. Exclusive insurance agents are highly trained on what they offer which can be an advantage. Many people purchase coverage from exclusives partially due to loyalty to the company instead of buying on price only.
Below are Miami exclusive agencies who may provide you with rate quotes.
- Gus Figueredo – State Farm Insurance Agent
7950 W Flagler St #103 – Miami, FL 33144 – (305) 262-0440 – View Map - Allstate Insurance: Eduardo Ferraz
1110 Brickell Ave Ste 105 – Miami, FL 33131 – (305) 379-3666 – View Map - State Farm: Carlos Luis
6001 Bird Rd – Miami, FL 33155 – (305) 663-2300 – View Map
Independent Agents
Agents that elect to be independent do not work for one specific company and that enables them to quote your coverage with many different companies and help determine which has the cheapest rates. If they quote lower rates, the business is moved internally which makes it simple for you. If you need lower rates, we highly recommend that you include multiple independent agents for the best price selection. A lot of them also have access to smaller companies which may provide better rates.
The following are Miami independent agencies who can help you get rate quotes.
- Unbeatable Homeowners Insurance Agency
90 SW 3rd St – Miami, FL 33130 – (239) 689-1025 – View Map - Del Toro Insurance
3819 NW 7th St – Miami, FL 33126 – (305) 335-8676 – View Map - Neighbors Insurance Agency
7149 W Flagler St – Miami, FL 33144 – (786) 401-4820 – View Map