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Rates quoted on July 8, 2026 for a 27-year-old female driver with a clean record in El Paso, TX (ZIP 79901). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.
Shopping around pays off, and a 2020 Ford F-150 insurance quote proves it. We ran the same El Paso driver through four major carriers on identical coverage. Progressive came back at $931 for six months. Liberty Mutual came back at $2,279.50.
That is a $1,348.50 gap for the exact same protection on the exact same truck. The driver did nothing different between quotes. Only the carrier changed. This is why 2020 Ford F-150 insurance is worth comparing before every renewal, not just once.
The profile is a strong one: a 27-year-old with seven years of continuous coverage, no accidents, and no violations. Even clean drivers see spreads this wide. Below are the full numbers, the coverage behind them, and what pushes prices up in far West Texas.
The Driver Profile
- 27-year-old single female, El Paso, TX (ZIP 79901)
- Occupation: police officer
- Clean record: 0 accidents, 0 violations, no DUI, no SR-22
- Licensed 5 years on a valid Texas license
- Vehicle: 2020 Ford F-150 XLT, financed through Ford Motor Credit
- 18,000 miles a year, 25-mile one-way commute, primary use commuting
- Prior carrier: Progressive, 7 years insured at 100/300, no lapse
- Rents her home, one car, no other drivers, paperless billing
- Education: associate degree
This is close to an ideal risk. A steady job, a long insurance history, and a spotless record all pull rates down. The truck itself is the main cost driver, which is worth keeping in mind when you read the numbers.
The Coverage Package
- Bodily injury liability: 100/300
- Property damage liability: $100,000
- Collision deductible: $500
- Comprehensive deductible: $500
- Uninsured and underinsured motorist: included
Every carrier was raised to these same limits, so the prices below compare like with like. One small exception: Progressive attaches a state-required $250 deductible to uninsured motorist property damage in Texas, which is not an adjustable field. That detail does not change the liability or physical-damage limits, which all match.
2020 Ford F-150 Insurance Quotes Compared
| CARRIER | COVERAGE | 6-MONTH PREMIUM | MONTHLY | VS. LOWEST |
|---|---|---|---|---|
| Progressive | 100/300, $100K PD | $931.00 | $155.17 | baseline |
| GEICO | 100/300, $100K PD | $1,115.00 | $185.83 | +$184.00 |
| State Farm | 100/300, $100K PD | $1,776.36 | $296.06 | +$845.36 |
| Liberty Mutual | 100/300, $100K PD | $2,279.50 | $379.92 | +$1,348.50 |
Source: InsuranceRateGuard.com quote data, July 2026. Quotes pulled directly from each carrier’s website using the profile above.
GEICO, Progressive, and State Farm figures are no-credit-check estimates, so the final bind price can shift once a full credit pull runs. State Farm and Liberty Mutual include non-removable telematics discounts (Drive Safe and Save, RightTrack), so their prices reflect enrollment that GEICO and Progressive did not have here.
The ranking on this profile is clear. Progressive and GEICO sit close together at the low end, separated by only $184 over six months. State Farm and Liberty Mutual sit far above them, with Liberty Mutual costing nearly two and a half times what Progressive charges.
For a driver this clean, that top-end price is hard to justify on coverage alone. It is a reminder that this truck’s insurance is priced by the carrier’s own model, not by the truck alone, and the same inputs can produce very different numbers.
Carrier-by-Carrier Breakdown
Progressive was the cheapest carrier on this profile at $931 for six months, or $819 if paid in full. That is a strong number, and it lines up with the driver’s seven-year history with Progressive as her prior carrier. The quote ran through a no-credit-check path because the system could not pull an insurance score for the profile, so a real applicant with strong credit could land close to this figure, while weaker credit could push it higher. Snapshot telematics was declined, so this price reflects a standard rate with no monitoring.
GEICO came in second at $1,115 for six months, $184 above Progressive. GEICO reached the target limits on its Enhanced tier without any manual coverage edits, which made it the simplest quote to match. Like Progressive, GEICO used a no-credit-check estimate for this profile, so credit could move the final number in either direction. DriveEasy telematics was declined, keeping this a monitoring-free rate that compares cleanly with Progressive.
State Farm landed at $1,776.36 for six months, or about $296 a month, which is $845 more than Progressive. State Farm automatically applied a Drive Safe and Save telematics discount of about $27 a month, and that discount cannot be removed in the online flow. In other words, the price already assumes the driver will enroll in monitoring, and it is still well above the two cheapest carriers. State Farm also ran a no-credit-check path after the driver declined to provide a Social Security number.
Liberty Mutual was the most expensive on this profile at $2,279.50 for six months, or about $380 a month. That figure already includes a RightTrack telematics discount plus paperless, safe-driver, and early-shopper credits, and RightTrack cannot be declined in the online quote. Even with all of those discounts stacked in, Liberty Mutual sat more than $1,300 above Progressive for the same coverage. For a clean-record driver, that is a large premium to pay for the same policy limits.
What Drives 2020 Ford F-150 Insurance Prices in El Paso
The Ford F-150 is one of the most popular trucks in Texas, and popularity cuts both ways. Parts are easy to find, but the truck’s size, value, and repair costs raise physical-damage premiums. A full-size pickup carries higher collision and comprehensive costs than a compact sedan, which is a big reason a clean driver still pays what she does here.
Theft is a factor too, since full-size pickups are among the most stolen vehicles in the country, and that pushes comprehensive costs higher than many drivers expect. If you want to see how body style shifts rates, our guide to car insurance rates by vehicle type breaks it down.
Location matters just as much as the vehicle. El Paso sits on the border, and border metros tend to see more vehicle theft and comprehensive claims, which carriers price into every quote. Texas also has a high share of uninsured drivers, which raises the value of uninsured motorist coverage and the cost of it.
The Insurance Research Council has tracked uninsured motorist rates for years, and Texas consistently ranks among the higher states, so that coverage is not a place to cut corners. You can compare state-level patterns in our car insurance by state guide.
Credit is the other quiet factor. Most carriers use a credit-based insurance score, and three of the four quotes here skipped that pull, which means a real applicant’s number could move once credit is checked. Our explainer on the difference between a credit-based insurance score and a regular credit score is worth a read before you shop.
The Texas Department of Insurance also publishes rate guidance and complaint data that can help you sanity-check any quote against the wider market. Run the same profile through several carriers, and you will see how much 2020 Ford F-150 insurance can swing on identical coverage.
Mileage plays a quiet role too. A long commute like the one on this profile puts more annual miles on the odometer, and carriers treat higher mileage as higher exposure. Trimming an unnecessary commute estimate, or switching to a low-mileage rating if you qualify, can pull the premium down without changing your coverage at all.
How to Save on Insurance
- Compare at least three carriers on identical limits before you renew. On this profile the spread between the highest and lowest quote was $1,348.50 over six months for the same policy.
- Ask about occupation and safe-driver discounts. A clean five-year record and a public-service job can qualify for preferred tiers at several carriers.
- Raise your deductible if you can cover it out of pocket. Moving from a $250 to a $500 deductible lowers the premium on a truck this size.
- Keep your credit strong. Most carriers use a credit-based insurance score, and the no-credit estimates here can shift once a full pull runs, so a higher score usually means a lower rate.
- Decide how you feel about telematics before you buy. State Farm and Liberty Mutual bake in monitoring discounts here, so factor in whether you want a device or app tracking your driving in exchange for the price.
- Stay lapse-free. Seven continuous years at 100/300, like this profile, earns a loyalty and no-lapse credit at most carriers.
The pattern here is simple. The same clean driver and the same truck produced a $1,348.50 spread across four carriers, so the company you pick matters as much as the coverage you choose. Quote at least three carriers on matched limits before every renewal, and treat any single price as a starting point rather than the market rate.
For related reading, see our state-by-state guide and our 2022 Toyota RAV4 rates in Houston.
Sources Used
- InsuranceRateGuard.com quote data, July 2026. Premiums pulled directly from each carrier’s official online quoting flow using the single profile described above.
- Insurance Research Council, uninsured motorist research: insurance-research.org.
- Texas Department of Insurance, auto insurance rate guidance and consumer complaint data: tdi.texas.gov.