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  4. Lariat Crew Cab 2WD

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:

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

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.

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

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.

Rural Areas $968
Small Cities $1,355
Large Cities $1,742

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.

Use the form below to get rates for your location.

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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.

View Chart as Image

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

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.

Ford F-150 Lariat Crew Cab 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%

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Ford F-150 Lariat Crew Cab 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-150 Lariat Crew Cab 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 Lariat Crew Cab 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 Lariat Crew Cab 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 Lariat Crew Cab 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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