Ford F-150 Lariat Crew Cab 2WD Insurance Rates
U.S. average insurance rates for a Ford F-150 Lariat Crew Cab 2WD are $1,290 a year with full coverage. Comprehensive costs on average $310, collision insurance costs $482, and liability coverage costs $346. Buying just liability costs as little as $410 a year, and insurance for high-risk drivers costs around $2,758. Teenage drivers pay the highest rates at up to $4,700 a year.
Annual premium for full coverage: $1,290
Price estimates by type of insurance:
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, Ford F-150 Lariat Crew Cab 2WD insurance prices range from as low as $410 for just the minimum liability insurance to a much higher rate of $2,758 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.
These price ranges demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using average rates.
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Insurance prices for a Ford F-150 Lariat Crew Cab 2WD are also quite variable based on your driving record, the actual cash value of your F-150, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age
The state you live in makes a big difference in Ford F-150 Lariat Crew Cab 2WD insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,620 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.
Using high physical damage deductibles could save up to $530 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase rates by as much as $312 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,000 additional each year, depending on your age. High-risk driver insurance can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates
Since rates can be so different, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates may be quite different from one company to the next.
The chart above shows Ford F-150 Lariat Crew Cab 2WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $753. Drivers who use higher $1,000 deductibles will pay around $1,110. The average rate for a 40-year-old male driver using $500 deductibles is $1,290. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,636. Drivers with multiple violations and accidents could be charged at least $2,758. The price for full coverage insurance for a teen driver is $4,700.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$93|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.