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Farmers quoted $494. Progressive quoted $1,611. The truck, the driver, the day, and the coverage limits were all held constant. The spread: $1,117 per six months.
Those are the results from a 2021 Ford F-150 insurance quote run on April 20, 2026 for a 30-year-old married female pharmacist in Los Angeles driving a financed 2021 Ford F-150 XLT out of ZIP 90007. GEICO came in at $1,370.38. Farmers wasn’t just cheapest.
At $494 for six months, it returned a rate that would be competitive in most markets in the country, let alone Los Angeles. Three carriers, the same profile, the same coverage, and a 226 percent spread from lowest to highest.
Travelers doesn’t offer direct online quoting in California. ZIP codes redirect to an agent referral page, so no rate is available from them on this run.
The Driver Profile
- 30-year-old female driver, married
- Clean record: no accidents or violations in the past five years
- Los Angeles, CA (ZIP 90007)
- Employed as a pharmacist
- 20,000 miles annually, 40-mile daily commute
- Vehicle financed through Ford Motor Credit
- Prior insurer: American Family, one year of continuous coverage
- Homeowner: Yes
The Coverage Package
We quoted all carriers on the same target limits. Farmers added a $1,000 Medical Payments coverage by default; that $5.67 per six months is included in their total below.
- Bodily Injury: $100,000 per person / $300,000 per accident
- Property Damage Liability: $100,000
- Uninsured Motorist Bodily Injury: $100,000 / $300,000
- Comprehensive: $500 deductible
- Collision: $500 deductible
2021 Ford F-150 Insurance Quotes: Los Angeles, CA
| CARRIER | 6-MONTH PREMIUM | MONTHLY | VS. LOWEST |
|---|---|---|---|
| Farmers | $494.00 | $82.33 | Baseline |
| GEICO | $1,370.38 | $228.40 | +$876.38 |
| Progressive | $1,610.88 | $268.48 | +$1,116.88 |
| Travelers | N/A | N/A | CA not available online |
Source: InsuranceRateGuard.com quote data, Q2 2026. Quotes pulled directly from each carrier’s website using the profile above.
Carrier-by-Carrier Breakdown
Farmers: $494.00 / Six Months ($82.33/month)
That number is worth pausing on. A financed 2021 F-150 in Los Angeles, 20,000 miles per year, a 40-mile daily commute through some of the most congested freeways in the country. Farmers came back at $494 for six months. By any measure, that’s a competitive 2021 Ford F-150 insurance rate for this profile in this market.
Five discounts applied without requiring telematics enrollment. One of them is an employed professional discount, and the pharmacist occupation on this profile likely triggered it. Farmers also prices homeowners favorably and has been actively competitive in the California market.
This profile stacks several of Farmers’ preferred risk signals at once: clean record, licensed professional, homeowner, continuous prior coverage. The Medical Payments add-on ($1,000 limit, $5.67 for the six months) is a Farmers default and accounts for a rounding error at this price point.
GEICO: $1,370.38 / Six Months ($228.40/month)
GEICO came in at $1,370.38, or $228.40 per month. That’s 2.77 times the Farmers figure for the same 2021 Ford F-150 insurance coverage. GEICO is one of California’s largest auto insurers and typically prices well for clean-record drivers. The gap here isn’t a knock on GEICO. It shows how differently carriers weight the same inputs when credit is off the table.
The quote required adding a spouse (James Rodriguez), consistent with GEICO’s policy of listing all household drivers. GEICO’s DriveEasy program wasn’t presented during the online flow for this California profile. Coverage confirmed at target: $100,000/$300,000 BI, $100,000 PD, $100,000/$300,000 UM, and $500 deductibles on both comprehensive and collision.
Progressive: $1,610.88 / Six Months ($268.48/month)
Progressive returned the highest 2021 Ford F-150 insurance quote at $1,610.88, or $268.48 per month. That’s 3.26 times the Farmers figure for the same coverage.
One factor worth noting: Progressive’s online flow starts with lower default limits than the target package. Coverage had to be manually adjusted upward to reach $100,000/$300,000 on both BI and UM, which moves the premium up meaningfully from Progressive’s starting point. Snapshot telematics wasn’t enrolled by default, so no usage-based adjustment was applied.
The quote required adding a spouse (James Rodriguez). Coverage confirmed at target limits.
Travelers: Not Available in California
Travelers doesn’t offer direct online quoting in California. ZIP 90007 redirected to an agent referral page with no rate available. Travelers is worth a call for some California profiles, but it wasn’t available for comparison on this run.
What Drives a 226 Percent Spread in los Angeles
Los Angeles is expensive for 2021 Ford F-150 insurance. That part is well established. What’s more interesting about this profile is why the carrier spread is so wide.
California doesn’t allow carriers to use credit scores in auto rating. The assumption is that this levels the playing field. It doesn’t.
It shifts where variation comes from. When credit is off the table, carriers lean harder on driving history, occupation, vehicle type, mileage, and homeownership status. Each carrier weights those factors differently, and the results can diverge more than they would in a credit-rated state where a strong score smooths out the differences.
A clean-record professional homeowner is a highly preferred risk at some carriers and a neutral file at others. Farmers clearly values this combination. They priced a pharmacist homeowner with a clean record more aggressively than GEICO and Progressive priced the same person by a factor of nearly three.
That spread doesn’t come from different coverage. It comes from different opinions about how risky this driver is.
The F-150 adds cost across all three carriers. Full-size trucks carry higher replacement and repair costs than sedans, and the Insurance Information Institute data shows trucks and SUVs running 10 to 20 percent above the national average on physical damage premiums. A financed vehicle requires comprehensive and collision, which adds to the base.
And at 20,000 annual miles, this driver is well above California’s average of roughly 14,000 miles per year, per California DMV data. Farmers priced through all of that and still came in under $500.
The one soft spot on this profile is prior coverage. One year with American Family at 25/50 limits is a short tenure. Moving to 100/300 can sometimes flag a surcharge at underwriting, though none of the three carriers raised it during the online flow. It’s worth asking about directly when you call to finalize a policy.
The $1,117 gap per six months works out to $2,234 per year. That’s four monthly car payments, or a round-trip flight for two, paid to the wrong carrier for the same protection. For a broader look at how vehicle choice affects your premium, see our car insurance rates by vehicle type guide and the car insurance by state breakdown to see how LA compares to other major markets.
How to Save on Insurance
Five moves work for almost every driver.
- Quote three to five carriers every 12 months. GEICO, Progressive, State Farm, Allstate, and either Farmers or Nationwide should always be on the list. Add USAA if you qualify.
- Bundle home and auto with the same carrier. Most major carriers offer a meaningful bundle discount, often in the double digits in percentage terms.
- Raise your deductibles. Going from $500 to $1,000 on collision and comprehensive often produces a noticeable reduction. Keep the deductible cash on hand.
- Ask about every discount. Defensive driver, multi-car, paid-in-full, paperless billing, good student, low-mileage, and homeowner discounts stack faster than most drivers expect.
- Use a usage-based program. Snapshot, Drivewise, SmartRide, and Drive Safe & Save reward smooth driving with meaningful savings for the right driver profile.
Sources Used
- NAIC, 2023 Auto Insurance Database Average Premium Supplement: content.naic.org
- Insurance Information Institute, Facts + Statistics: Auto insurance: iii.org
- InsuranceRateGuard.com, 2026 quote runs across major U.S. auto carriers.
Fact-checked: 2026-05-16