Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates

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U.S. average auto insurance rates for a Ford F-150 Lariat Crew Cab Harley 4WD are $1,508 annually for full coverage insurance. Comprehensive costs an estimated $382, collision insurance costs $604, and liability coverage costs $364. Liability-only insurance costs as little as $430 a year, and high-risk driver insurance costs around $3,228. Teen drivers pay the highest rates at up to $5,404 a year.

Annual premium for full coverage: $1,508

Price estimates broken down by type of coverage:

Comprehensive $382
Collision $604
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

Using a 40-year-old driver as an example, Ford F-150 Lariat Crew Cab Harley 4WD insurance prices range from as cheap as $430 for a discount liability-only rate to the much higher price of $3,228 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,508
High Risk $3,228

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,131
Small Cities $1,583
Large Cities $2,036

These price ranges illustrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Companies with Cheap Ford F-150 Lariat Crew Cab Harley 4WD Insurance

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Car insurance rates for a Ford F-150 Lariat Crew Cab Harley 4WD are also quite variable based on the actual cash value of your F-150, your risk profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,700 to $2,400 extra each year, depending on your age. Ford F-150 Lariat Crew Cab Harley 4WD insurance for high-risk drivers can cost around 44% to 126% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $660 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Ford F-150 Lariat Crew Cab Harley 4WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, so rate quotes may be quite different between companies.

View Chart as Image

Ford F-150 Lariat Crew Cab Harley 4WD insurance cost comparison chart
Column chart showing Ford F-150 Lariat Crew Cab Harley 4WD insurance prices range from $869 to $5,404 for full coverage

The chart estimates Ford F-150 Lariat Crew Cab Harley 4WD insurance prices for various situations. The cheapest price with discounts is $869. Drivers who choose higher $1,000 deductibles will pay about $1,282. The average price for a driver around age 40 using $500 deductibles is $1,508. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,938. High risk drivers could be charged at least $3,228. The rate for full coverage insurance for a teenage driver is $5,404.

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,364 -$144 -9.5%
Alaska $1,154 -$354 -23.5%
Arizona $1,252 -$256 -17.0%
Arkansas $1,508 -$0 0.0%
California $1,718 $210 13.9%
Colorado $1,440 -$68 -4.5%
Connecticut $1,550 $42 2.8%
Delaware $1,706 $198 13.1%
Florida $1,886 $378 25.1%
Georgia $1,394 -$114 -7.6%
Hawaii $1,084 -$424 -28.1%
Idaho $1,018 -$490 -32.5%
Illinois $1,122 -$386 -25.6%
Indiana $1,134 -$374 -24.8%
Iowa $1,018 -$490 -32.5%
Kansas $1,432 -$76 -5.0%
Kentucky $2,056 $548 36.3%
Louisiana $2,232 $724 48.0%
Maine $930 -$578 -38.3%
Maryland $1,244 -$264 -17.5%
Massachusetts $1,206 -$302 -20.0%
Michigan $2,620 $1,112 73.7%
Minnesota $1,260 -$248 -16.4%
Mississippi $1,806 $298 19.8%
Missouri $1,338 -$170 -11.3%
Montana $1,618 $110 7.3%
Nebraska $1,190 -$318 -21.1%
Nevada $1,808 $300 19.9%
New Hampshire $1,086 -$422 -28.0%
New Jersey $1,686 $178 11.8%
New Mexico $1,334 -$174 -11.5%
New York $1,588 $80 5.3%
North Carolina $870 -$638 -42.3%
North Dakota $1,234 -$274 -18.2%
Ohio $1,040 -$468 -31.0%
Oklahoma $1,548 $40 2.7%
Oregon $1,380 -$128 -8.5%
Pennsylvania $1,438 -$70 -4.6%
Rhode Island $2,010 $502 33.3%
South Carolina $1,366 -$142 -9.4%
South Dakota $1,270 -$238 -15.8%
Tennessee $1,320 -$188 -12.5%
Texas $1,816 $308 20.4%
Utah $1,116 -$392 -26.0%
Vermont $1,032 -$476 -31.6%
Virginia $904 -$604 -40.1%
Washington $1,166 -$342 -22.7%
West Virginia $1,382 -$126 -8.4%
Wisconsin $1,044 -$464 -30.8%
Wyoming $1,344 -$164 -10.9%

View Chart as Image

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

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Rates by Driver Age

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,404
20 $3,428
30 $1,582
40 $1,508
50 $1,372
60 $1,344

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,938
$250 $1,740
$500 $1,508
$1,000 $1,282

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,508
50/100 $1,581
100/300 $1,672
250/500 $1,908
100 CSL $1,617
300 CSL $1,817
500 CSL $1,963

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,726
20 $5,440
30 $3,312
40 $3,228
50 $3,074
60 $3,044

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 $204

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $112
5-yr Claim Free $97
Paid in Full/EFT $71
Advance Quote $74
Online Quote $108
Total Discounts $639
Rate after discounts $869

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

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