Ford F-150 Lariat Crew Cab 4WD Insurance Rates
U.S. average insurance rates for a Ford F-150 Lariat Crew Cab 4WD are $1,346 a year including full coverage. Comprehensive insurance costs approximately $336 a year, collision insurance costs $512, and liability insurance costs $346. Liability-only coverage costs as little as $410 a year, and high-risk coverage costs $2,876 or more. Teenage drivers pay the highest rates at up to $4,856 a year.
Annual premium for full coverage: $1,346
Price estimates by individual coverage type:
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 $410 for just liability insurance to a high of $2,876 for a driver who requires high-risk insurance.
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 $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% 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 $4,800 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 $1,050 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,890 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 $570 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 $312 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.
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 $784. Drivers who use higher $1,000 deductibles will pay $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 collision and other-than-collision coverage can cost as much as $1,718. Drivers with multiple violations and accidents could be charged at least $2,876. The cost for full coverage for a teenager is $4,856.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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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||$97|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.