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  4. FX4 4WD

Ford F-150 FX4 4WD Insurance Rates

Average auto insurance rates for a Ford F-150 FX4 4WD are $1,346 annually for full coverage. Comprehensive insurance costs approximately $336 a year, collision insurance costs $512, and liability insurance costs around $346. Buying just liability costs as low as $410 a year, and insurance for high-risk drivers costs $2,876 or more. Teen drivers receive the highest rates at up to $4,856 a year.

Annual premium for full coverage: $1,346

Rate estimates by individual coverage type:

Comprehensive $336
Collision $512
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

For a driver in their 40's, prices range from as cheap as $410 for liability-only coverage to a high of $2,876 for a driver who has had serious violations or accidents.

Liability Only $410
Full Coverage $1,346
High Risk $2,876

These differences show why it is important for drivers to compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

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Auto insurance rates for a Ford F-150 FX4 4WD can also vary considerably based on the model year of your F-150, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,600 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $570 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $312 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford F-150 FX4 4WD insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Iowa, Maine, and Idaho, or as much as $1,890 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in prices, the only way to know which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

View Chart as Image

Ford F-150 FX4 4WD insurance cost comparison chart
Column chart showing Ford F-150 FX4 4WD insurance prices range from $784 to $4,856 for full coverage

Chart shows Ford F-150 FX4 4WD insurance prices for various situations. The lowest price with discounts is $784. Drivers who choose higher $1,000 deductibles will pay about $1,154. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,346. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,718. High risk drivers could be charged as much as $2,876. The cost for full coverage for a teenager can be as high as $4,856.

Ford F-150 FX4 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,294-$52-3.9%
Alaska$1,104-$242-18.0%
Arizona$1,350$40.3%
Arkansas$1,364$181.3%
California$1,510$16412.2%
Colorado$1,396$503.7%
Connecticut$1,762$41630.9%
Delaware$1,636$29021.5%
Florida$1,816$47034.9%
Georgia$1,334-$12-0.9%
Hawaii$1,454$1088.0%
Idaho$936-$410-30.5%
Illinois$1,000-$346-25.7%
Indiana$958-$388-28.8%
Iowa$1,012-$334-24.8%
Kansas$1,238-$108-8.0%
Kentucky$1,742$39629.4%
Louisiana$2,182$83662.1%
Maine$922-$424-31.5%
Maryland$1,384$382.8%
Massachusetts$1,184-$162-12.0%
Michigan$2,472$1,12683.7%
Minnesota$1,182-$164-12.2%
Mississippi$1,318-$28-2.1%
Missouri$1,148-$198-14.7%
Montana$1,218-$128-9.5%
Nebraska$1,108-$238-17.7%
Nevada$1,736$39029.0%
New Hampshire$1,098-$248-18.4%
New Jersey$1,340-$6-0.4%
New Mexico$1,248-$98-7.3%
New York$1,752$40630.2%
North Carolina$956-$390-29.0%
North Dakota$1,310-$36-2.7%
Ohio$950-$396-29.4%
Oklahoma$1,636$29021.5%
Oregon$1,260-$86-6.4%
Pennsylvania$1,516$17012.6%
Rhode Island$1,632$28621.2%
South Carolina$1,254-$92-6.8%
South Dakota$1,054-$292-21.7%
Tennessee$1,208-$138-10.3%
Texas$1,294-$52-3.9%
Utah$1,192-$154-11.4%
Vermont$958-$388-28.8%
Virginia$966-$380-28.2%
Washington$1,184-$162-12.0%
West Virginia$1,370$241.8%
Wisconsin$1,372$261.9%
Wyoming$1,488$14210.5%

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Ford F-150 FX4 4WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-150 FX4 4WD Insurance Rates by Driver Age
Driver AgePremium
16$4,856
20$3,054
30$1,410
40$1,346
50$1,224
60$1,202

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 FX4 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,718
$250$1,548
$500$1,346
$1,000$1,154

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 FX4 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,346
50/100$1,415
100/300$1,502
250/500$1,727
100 CSL$1,450
300 CSL$1,640
500 CSL$1,779

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 FX4 4WD Insurance Rates for High Risk Drivers
AgePremium
16$6,930
20$4,840
30$2,946
40$2,876
50$2,740
60$2,708

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 $180

Potential Rate Discounts

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

DiscountSavings
Multi-policy$72
Multi-vehicle$67
Homeowner$19
5-yr Accident Free$97
5-yr Claim Free$85
Paid in Full/EFT$61
Advance Quote$65
Online Quote$96
Total Discounts$562
Rate after discounts $784

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

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