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

U.S. average auto insurance rates for a Ford F-150 Lariat Crew Cab Harley 4WD are $1,432 annually for full coverage insurance. Comprehensive costs an estimated $362, collision insurance costs $572, and liability coverage costs $346. Liability-only insurance costs as little as $410 a year, and high-risk driver insurance costs around $3,068. Teen drivers pay the highest rates at up to $5,130 a year.

Annual premium for full coverage: $1,432

Price estimates broken down by type of coverage:

Comprehensive $362
Collision $572
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

Using a 40-year-old driver as an example, Ford F-150 Lariat Crew Cab Harley 4WD insurance prices range from as cheap as $410 for a discount liability-only rate to the much higher price of $3,068 for a policy for a high-risk driver.

Liability Only $410
Full Coverage $1,432
High Risk $3,068

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 $1,074
Small Cities $1,504
Large Cities $1,933

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.

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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 $1,300 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 $5,100 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 $2,300 extra each year, depending on your age. Ford F-150 Lariat Crew Cab Harley 4WD insurance for high-risk drivers can cost around 45% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $630 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 $312 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 $1,170 a year in states like , , and North Carolina, or as much as $1,670 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 $827 to $5,130 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 $827. Drivers who choose higher $1,000 deductibles will pay about $1,220. The average price for a driver around age 40 using $500 deductibles is $1,432. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,844. High risk drivers could be charged at least $3,068. The rate for full coverage insurance for a teenage driver is $5,130.

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,374-$58-4.1%
Alaska$1,176-$256-17.9%
Arizona$1,436$40.3%
Arkansas$1,450$181.3%
California$1,608$17612.3%
Colorado$1,488$563.9%
Connecticut$1,874$44230.9%
Delaware$1,742$31021.6%
Florida$1,932$50034.9%
Georgia$1,420-$12-0.8%
Hawaii$1,546$1148.0%
Idaho$994-$438-30.6%
Illinois$1,064-$368-25.7%
Indiana$1,018-$414-28.9%
Iowa$1,076-$356-24.9%
Kansas$1,316-$116-8.1%
Kentucky$1,854$42229.5%
Louisiana$2,320$88862.0%
Maine$980-$452-31.6%
Maryland$1,474$422.9%
Massachusetts$1,260-$172-12.0%
Michigan$2,634$1,20283.9%
Minnesota$1,258-$174-12.2%
Mississippi$1,402-$30-2.1%
Missouri$1,222-$210-14.7%
Montana$1,296-$136-9.5%
Nebraska$1,180-$252-17.6%
Nevada$1,850$41829.2%
New Hampshire$1,168-$264-18.4%
New Jersey$1,426-$6-0.4%
New Mexico$1,328-$104-7.3%
New York$1,864$43230.2%
North Carolina$1,018-$414-28.9%
North Dakota$1,394-$38-2.7%
Ohio$1,010-$422-29.5%
Oklahoma$1,740$30821.5%
Oregon$1,342-$90-6.3%
Pennsylvania$1,612$18012.6%
Rhode Island$1,738$30621.4%
South Carolina$1,334-$98-6.8%
South Dakota$1,122-$310-21.6%
Tennessee$1,286-$146-10.2%
Texas$1,378-$54-3.8%
Utah$1,268-$164-11.5%
Vermont$1,018-$414-28.9%
Virginia$1,030-$402-28.1%
Washington$1,260-$172-12.0%
West Virginia$1,460$282.0%
Wisconsin$1,460$282.0%
Wyoming$1,584$15210.6%

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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 AgePremium
16$5,130
20$3,258
30$1,502
40$1,432
50$1,304
60$1,280

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,844
$250$1,654
$500$1,432
$1,000$1,220

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,432
50/100$1,501
100/300$1,588
250/500$1,813
100 CSL$1,536
300 CSL$1,726
500 CSL$1,865

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 Lariat Crew Cab Harley 4WD Insurance Rates for High Risk Drivers
AgePremium
16$7,336
20$5,164
30$3,146
40$3,068
50$2,920
60$2,888

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 $193

Potential Rate Discounts

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

DiscountSavings
Multi-policy$77
Multi-vehicle$71
Homeowner$20
5-yr Accident Free$106
5-yr Claim Free$92
Paid in Full/EFT$67
Advance Quote$70
Online Quote$102
Total Discounts$605
Rate after discounts $827

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

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