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  4. FX2 Super Cab 2WD

Ford F-150 FX2 Super Cab 2WD Insurance Rates

Average insurance rates for a Ford F-150 FX2 Super Cab 2WD are $1,266 a year including full coverage. Comprehensive insurance costs approximately $298 a year, collision costs $446, and liability insurance costs around $364. Only liability insurance costs as low as $430 a year, with high-risk insurance costing $2,702 or more. Teenage drivers receive the highest rates at $4,658 a year or more.

Annual premium for full coverage: $1,266

Rate estimates by individual coverage type:

Comprehensive $298
Collision $446
Liability $364

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

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

For an average driver, prices go from the low end price of $430 for minimum levels of liability insurance to a high of $2,702 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,266
High Risk $2,702

These differences highlight why it is important for drivers to compare prices using their specific location, rather than relying on average rates.

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Insurance rates for a Ford F-150 FX2 Super Cab 2WD can also vary considerably based on the model year of your F-150, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Ford F-150 FX2 Super Cab 2WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $500 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the rates can be significantly different.

View Chart as Image

Ford F-150 FX2 Super Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 FX2 Super Cab 2WD insurance prices range from $745 to $4,658 for full coverage

The chart above shows average Ford F-150 FX2 Super Cab 2WD insurance prices for different risks and coverage choices. The lowest price with discounts is $745. Drivers who use higher $1,000 deductibles will pay $1,098. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,266. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,590. Drivers with multiple violations and accidents could be charged as much as $2,702. The cost for full coverage for a teenager can be as high as $4,658.

Ford F-150 FX2 Super Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,144-$122-9.6%
Alaska$972-$294-23.2%
Arizona$1,052-$214-16.9%
Arkansas$1,266-$00.0%
California$1,442$17613.9%
Colorado$1,210-$56-4.4%
Connecticut$1,302$362.8%
Delaware$1,434$16813.3%
Florida$1,584$31825.1%
Georgia$1,170-$96-7.6%
Hawaii$910-$356-28.1%
Idaho$856-$410-32.4%
Illinois$942-$324-25.6%
Indiana$954-$312-24.6%
Iowa$854-$412-32.5%
Kansas$1,204-$62-4.9%
Kentucky$1,728$46236.5%
Louisiana$1,872$60647.9%
Maine$780-$486-38.4%
Maryland$1,044-$222-17.5%
Massachusetts$1,012-$254-20.1%
Michigan$2,198$93273.6%
Minnesota$1,058-$208-16.4%
Mississippi$1,518$25219.9%
Missouri$1,124-$142-11.2%
Montana$1,360$947.4%
Nebraska$998-$268-21.2%
Nevada$1,518$25219.9%
New Hampshire$912-$354-28.0%
New Jersey$1,416$15011.8%
New Mexico$1,120-$146-11.5%
New York$1,332$665.2%
North Carolina$730-$536-42.3%
North Dakota$1,036-$230-18.2%
Ohio$874-$392-31.0%
Oklahoma$1,300$342.7%
Oregon$1,160-$106-8.4%
Pennsylvania$1,206-$60-4.7%
Rhode Island$1,688$42233.3%
South Carolina$1,148-$118-9.3%
South Dakota$1,068-$198-15.6%
Tennessee$1,110-$156-12.3%
Texas$1,526$26020.5%
Utah$940-$326-25.8%
Vermont$866-$400-31.6%
Virginia$758-$508-40.1%
Washington$978-$288-22.7%
West Virginia$1,160-$106-8.4%
Wisconsin$876-$390-30.8%
Wyoming$1,128-$138-10.9%

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

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Rates by Driver Age

Ford F-150 FX2 Super Cab 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,658
20$2,876
30$1,318
40$1,266
50$1,154
60$1,130

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 FX2 Super Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,590
$250$1,442
$500$1,266
$1,000$1,098

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 FX2 Super Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,266
50/100$1,339
100/300$1,430
250/500$1,666
100 CSL$1,375
300 CSL$1,575
500 CSL$1,721

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 FX2 Super Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,626
20$4,558
30$2,760
40$2,702
50$2,578
60$2,550

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 $168

Potential Rate Discounts

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

DiscountSavings
Multi-policy$66
Multi-vehicle$63
Homeowner$18
5-yr Accident Free$89
5-yr Claim Free$80
Paid in Full/EFT$56
Advance Quote$60
Online Quote$89
Total Discounts$521
Rate after discounts $745

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

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