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2017 Ford F-150 XL

2017 Ford F-150 XL

Average annual premium: $1,219

The F-150 is a solid light duty truck that has a high payload and tow rating while also sporting one of the best fuel economy ratings in the pickup category. It is packed with technology including a Pro Trailer Backup Assist system that lets the driver control the direction of a trailer with a dashboard mounted knob.

Insurance companies love technology that prevents claims or lessens the damage to a vehicle during an accident, which is just one reason this truck is so cheap to insure. Its average annual rate is $386 less than the nationwide average.

"The F-150 has a 5 star safety rating from the National Highway Traffic Safety Administration (NHTSA) and is a Top Safety Pick by the IIHS," points out Riley. "In addition, pickups tend to be more popular in rural communities where people often drive slower and there is less traffic which leads to fewer accidents," he continues.

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