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Ford F-150 Lariat Crew Cab Platinum 2WD Insurance Rates

Estimated insurance prices for a Ford F-150 Lariat Crew Cab Platinum 2WD are $1,376 every 12 months including full coverage. Comprehensive costs an estimated $336, collision insurance costs $542, and liability coverage costs around $346. A liability-only policy costs as low as $410 a year, and high-risk insurance costs around $2,950. Teen drivers pay the most at up to $4,974 a year.

Annual premium for full coverage: $1,376

Premium estimates broken down by type of insurance:

Comprehensive $336
Collision $542
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 a driver in their 40's, insurance rates for a Ford F-150 Lariat Crew Cab Platinum 2WD range from the cheapest price of $410 for minimum levels of liability insurance to a much higher rate of $2,950 for a driver who has had serious violations or accidents.

Liability Only $410
Full Coverage $1,376
High Risk $2,950

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.

Rural Areas $1,032
Small Cities $1,445
Large Cities $1,858

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using price averages.

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Auto insurance rates for a Ford F-150 Lariat Crew Cab Platinum 2WD also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year.

Choosing high deductibles could cut rates by as much as $590 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $312 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 130% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford F-150 Lariat Crew Cab Platinum 2WD insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like North Carolina, Indiana, and , or as much as $1,890 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be substantially different.

View Chart as Image

Ford F-150 Lariat Crew Cab Platinum 2WD insurance cost comparison chart
Column chart showing Ford F-150 Lariat Crew Cab Platinum 2WD insurance prices range from $797 to $4,974 for full coverage

The chart above shows average Ford F-150 Lariat Crew Cab Platinum 2WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $797. Drivers who choose higher $1,000 deductibles will pay $1,178. The average rate for a driver around age 40 using $500 deductibles is $1,376. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,764. High risk drivers could be charged up to $2,950. The price for full coverage insurance for a teenage driver can be as high as $4,974.

Ford F-150 Lariat Crew Cab Platinum 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,322-$54-3.9%
Alaska$1,130-$246-17.9%
Arizona$1,380$40.3%
Arkansas$1,394$181.3%
California$1,544$16812.2%
Colorado$1,428$523.8%
Connecticut$1,802$42631.0%
Delaware$1,674$29821.7%
Florida$1,856$48034.9%
Georgia$1,364-$12-0.9%
Hawaii$1,486$1108.0%
Idaho$956-$420-30.5%
Illinois$1,022-$354-25.7%
Indiana$980-$396-28.8%
Iowa$1,034-$342-24.9%
Kansas$1,264-$112-8.1%
Kentucky$1,782$40629.5%
Louisiana$2,230$85462.1%
Maine$942-$434-31.5%
Maryland$1,414$382.8%
Massachusetts$1,210-$166-12.1%
Michigan$2,528$1,15283.7%
Minnesota$1,208-$168-12.2%
Mississippi$1,348-$28-2.0%
Missouri$1,174-$202-14.7%
Montana$1,246-$130-9.4%
Nebraska$1,134-$242-17.6%
Nevada$1,776$40029.1%
New Hampshire$1,122-$254-18.5%
New Jersey$1,370-$6-0.4%
New Mexico$1,276-$100-7.3%
New York$1,790$41430.1%
North Carolina$978-$398-28.9%
North Dakota$1,338-$38-2.8%
Ohio$970-$406-29.5%
Oklahoma$1,672$29621.5%
Oregon$1,288-$88-6.4%
Pennsylvania$1,550$17412.6%
Rhode Island$1,668$29221.2%
South Carolina$1,282-$94-6.8%
South Dakota$1,078-$298-21.7%
Tennessee$1,236-$140-10.2%
Texas$1,322-$54-3.9%
Utah$1,218-$158-11.5%
Vermont$978-$398-28.9%
Virginia$988-$388-28.2%
Washington$1,210-$166-12.1%
West Virginia$1,400$241.7%
Wisconsin$1,404$282.0%
Wyoming$1,520$14410.5%

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

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Rates by Driver Age

Ford F-150 Lariat Crew Cab Platinum 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,974
20$3,138
30$1,442
40$1,376
50$1,252
60$1,230

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 Lariat Crew Cab Platinum 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,764
$250$1,586
$500$1,376
$1,000$1,178

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Lariat Crew Cab Platinum 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,376
50/100$1,445
100/300$1,532
250/500$1,757
100 CSL$1,480
300 CSL$1,670
500 CSL$1,809

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 Lariat Crew Cab Platinum 2WD Insurance Rates for High Risk Drivers
AgePremium
16$7,104
20$4,976
30$3,022
40$2,950
50$2,810
60$2,778

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 $186

Potential Rate Discounts

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

DiscountSavings
Multi-policy$73
Multi-vehicle$69
Homeowner$19
5-yr Accident Free$101
5-yr Claim Free$88
Paid in Full/EFT$64
Advance Quote$67
Online Quote$98
Total Discounts$579
Rate after discounts $797

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

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