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  2. Ford
  3. F-150
  4. FX2 2WD

Ford F-150 FX2 2WD Insurance Rates

The average insurance rates for a Ford F-150 FX2 2WD are $1,290 a year with full coverage. Comprehensive insurance costs approximately $310 each year, collision costs $482, and liability costs $346. Buying just liability costs as little as $410 a year, with insurance for high-risk drivers costing $2,758 or more. Teen drivers cost the most to insure at $4,700 a year or more.

Annual premium for full coverage: $1,290

Policy rates by individual coverage:

Comprehensive $310
Collision $482
Liability $346

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford F-150 Trim Level

Using a middle-aged driver as an example, Ford F-150 FX2 2WD insurance rates go from as low as $410 for the bare minimum liability coverage to a high rate of $2,758 for a high-risk driver policy.

Liability Only $410
Full Coverage $1,290
High Risk $2,758

These price differences demonstrate why all drivers should compare rates using their specific location and risk profile, instead of using price averages.

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Insurance rates for a Ford F-150 FX2 2WD also range considerably based on your risk profile, the actual cash value of your F-150, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state makes a big difference in Ford F-150 FX2 2WD insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Ohio, and Indiana, or as much as $1,620 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $530 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $312 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which company is cheapest is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

View Chart as Image

Ford F-150 FX2 2WD insurance cost comparison chart
Column chart showing Ford F-150 FX2 2WD insurance prices range from $753 to $4,700 for full coverage

The chart above shows Ford F-150 FX2 2WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $753. Drivers who choose higher $1,000 deductibles will pay around $1,110. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,290. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,636. High risk drivers could be charged around $2,758. The policy rate for full coverage for a teenager is $4,700.

Ford F-150 FX2 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,238-$52-4.0%
Alaska$1,058-$232-18.0%
Arizona$1,294$40.3%
Arkansas$1,306$161.2%
California$1,446$15612.1%
Colorado$1,338$483.7%
Connecticut$1,686$39630.7%
Delaware$1,568$27821.6%
Florida$1,740$45034.9%
Georgia$1,278-$12-0.9%
Hawaii$1,390$1007.8%
Idaho$896-$394-30.5%
Illinois$956-$334-25.9%
Indiana$918-$372-28.8%
Iowa$970-$320-24.8%
Kansas$1,186-$104-8.1%
Kentucky$1,670$38029.5%
Louisiana$2,088$79861.9%
Maine$882-$408-31.6%
Maryland$1,326$362.8%
Massachusetts$1,136-$154-11.9%
Michigan$2,370$1,08083.7%
Minnesota$1,132-$158-12.2%
Mississippi$1,262-$28-2.2%
Missouri$1,098-$192-14.9%
Montana$1,168-$122-9.5%
Nebraska$1,062-$228-17.7%
Nevada$1,664$37429.0%
New Hampshire$1,052-$238-18.4%
New Jersey$1,282-$8-0.6%
New Mexico$1,196-$94-7.3%
New York$1,678$38830.1%
North Carolina$914-$376-29.1%
North Dakota$1,254-$36-2.8%
Ohio$908-$382-29.6%
Oklahoma$1,568$27821.6%
Oregon$1,208-$82-6.4%
Pennsylvania$1,452$16212.6%
Rhode Island$1,564$27421.2%
South Carolina$1,202-$88-6.8%
South Dakota$1,010-$280-21.7%
Tennessee$1,158-$132-10.2%
Texas$1,238-$52-4.0%
Utah$1,142-$148-11.5%
Vermont$918-$372-28.8%
Virginia$928-$362-28.1%
Washington$1,136-$154-11.9%
West Virginia$1,314$241.9%
Wisconsin$1,314$241.9%
Wyoming$1,424$13410.4%

View Chart as Image

Ford F-150 FX2 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-150 FX2 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,700
20$2,936
30$1,346
40$1,290
50$1,174
60$1,152

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 FX2 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,636
$250$1,478
$500$1,290
$1,000$1,110

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 FX2 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,290
50/100$1,359
100/300$1,446
250/500$1,671
100 CSL$1,394
300 CSL$1,584
500 CSL$1,723

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 FX2 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,698
20$4,652
30$2,822
40$2,758
50$2,628
60$2,600

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$68
Multi-vehicle$65
Homeowner$18
5-yr Accident Free$93
5-yr Claim Free$82
Paid in Full/EFT$58
Advance Quote$62
Online Quote$91
Total Discounts$537
Rate after discounts $753

Discounts are estimated and may not be available from every company or in every state.

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