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  4. Lariat Crew Cab 4WD

Ford F-150 Lariat Crew Cab 4WD Insurance Rates

U.S. average insurance rates for a Ford F-150 Lariat Crew Cab 4WD are $1,416 a year including full coverage. Comprehensive insurance costs approximately $354 a year, collision insurance costs $540, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs $3,028 or more. Teenage drivers pay the highest rates at up to $5,112 a year.

Annual premium for full coverage: $1,416

Price estimates by individual coverage type:

Comprehensive $354
Collision $540
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 the normal driver, Ford F-150 Lariat Crew Cab 4WD insurance prices range from the low end price of $430 for just liability insurance to a high of $3,028 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,416
High Risk $3,028

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

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Auto insurance rates for a Ford F-150 Lariat Crew Cab 4WD are also quite variable based on the model year of your F-150, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 127% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in makes a big difference in Ford F-150 Lariat Crew Cab 4WD insurance rates. A 40-year-old driver could pay 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 save up to $600 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 increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and quoted rates may be quite different.

View Chart as Image

Ford F-150 Lariat Crew Cab 4WD insurance cost comparison chart
Column chart showing Ford F-150 Lariat Crew Cab 4WD insurance prices range from $824 to $5,112 for full coverage

The chart above shows average Ford F-150 Lariat Crew Cab 4WD insurance prices for various risks and coverage choices. The lowest price with discounts is $824. Drivers who use higher $1,000 deductibles will pay $1,214. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,416. Choosing low $100 deductibles for collision and other-than-collision coverage can cost as much as $1,808. Drivers with multiple violations and accidents could be charged at least $3,028. The cost for full coverage for a teenager is $5,112.

Ford F-150 Lariat Crew Cab 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,280-$136-9.6%
Alaska$1,086-$330-23.3%
Arizona$1,176-$240-16.9%
Arkansas$1,416-$00.0%
California$1,614$19814.0%
Colorado$1,354-$62-4.4%
Connecticut$1,456$402.8%
Delaware$1,602$18613.1%
Florida$1,770$35425.0%
Georgia$1,308-$108-7.6%
Hawaii$1,018-$398-28.1%
Idaho$958-$458-32.3%
Illinois$1,054-$362-25.6%
Indiana$1,068-$348-24.6%
Iowa$956-$460-32.5%
Kansas$1,346-$70-4.9%
Kentucky$1,932$51636.4%
Louisiana$2,096$68048.0%
Maine$874-$542-38.3%
Maryland$1,168-$248-17.5%
Massachusetts$1,134-$282-19.9%
Michigan$2,462$1,04673.9%
Minnesota$1,184-$232-16.4%
Mississippi$1,696$28019.8%
Missouri$1,256-$160-11.3%
Montana$1,520$1047.3%
Nebraska$1,118-$298-21.0%
Nevada$1,698$28219.9%
New Hampshire$1,022-$394-27.8%
New Jersey$1,584$16811.9%
New Mexico$1,254-$162-11.4%
New York$1,492$765.4%
North Carolina$816-$600-42.4%
North Dakota$1,160-$256-18.1%
Ohio$976-$440-31.1%
Oklahoma$1,456$402.8%
Oregon$1,296-$120-8.5%
Pennsylvania$1,350-$66-4.7%
Rhode Island$1,888$47233.3%
South Carolina$1,282-$134-9.5%
South Dakota$1,196-$220-15.5%
Tennessee$1,240-$176-12.4%
Texas$1,706$29020.5%
Utah$1,050-$366-25.8%
Vermont$968-$448-31.6%
Virginia$848-$568-40.1%
Washington$1,094-$322-22.7%
West Virginia$1,298-$118-8.3%
Wisconsin$982-$434-30.6%
Wyoming$1,262-$154-10.9%

View Chart as Image

Ford F-150 Lariat Crew Cab 4WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-150 Lariat Crew Cab 4WD Insurance Rates by Driver Age
Driver AgePremium
16$5,112
20$3,214
30$1,482
40$1,416
50$1,288
60$1,262

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 Lariat Crew Cab 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,808
$250$1,628
$500$1,416
$1,000$1,214

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Lariat Crew Cab 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,416
50/100$1,489
100/300$1,580
250/500$1,816
100 CSL$1,525
300 CSL$1,725
500 CSL$1,871

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 Lariat Crew Cab 4WD Insurance Rates for High Risk Drivers
AgePremium
16$7,298
20$5,098
30$3,102
40$3,028
50$2,884
60$2,854

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 $190

Potential Rate Discounts

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

DiscountSavings
Multi-policy$75
Multi-vehicle$70
Homeowner$20
5-yr Accident Free$103
5-yr Claim Free$90
Paid in Full/EFT$65
Advance Quote$68
Online Quote$101
Total Discounts$592
Rate after discounts $824

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

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