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

Estimated insurance prices for a Ford F-150 Lariat Crew Cab Platinum 4WD are $1,432 every 12 months with full coverage. Comprehensive costs an estimated $362 a year, collision insurance costs $572, and liability insurance costs around $346. Liability-only coverage costs as low as $410 a year, and high-risk coverage costs around $3,068. Teen drivers pay the most at up to $5,130 a year.

Annual premium for full coverage: $1,432

Premium estimates broken down by individual coverage type:

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

For a driver around age 40, insurance rates for a Ford F-150 Lariat Crew Cab Platinum 4WD range from the cheapest price of $410 for just liability coverage to a high of $3,068 for a high-risk insurance policy.

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

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

These rate differences demonstrate why it is important for drivers to compare prices for a targeted area and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

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Insurance rates for a Ford F-150 Lariat Crew Cab Platinum 4WD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year.

Choosing high deductibles could cut rates by as much as $630 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $312 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 133% 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 4WD insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Vermont, Ohio, and Indiana, or as much as $1,620 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be substantially different.

View Chart as Image

Ford F-150 Lariat Crew Cab Platinum 4WD insurance cost comparison chart
Column chart showing Ford F-150 Lariat Crew Cab Platinum 4WD insurance prices range from $827 to $5,130 for full coverage

The chart above shows Ford F-150 Lariat Crew Cab Platinum 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $827. Drivers who choose higher $1,000 deductibles will pay $1,220. The average rate for a driver around age 40 using $500 deductibles is $1,432. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,844. High risk drivers could be charged up to $3,068. The cost for full coverage insurance for a teenage driver can be as high as $5,130.

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

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Rates by Driver Age

Ford F-150 Lariat Crew Cab Platinum 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 Platinum 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 Platinum 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 Platinum 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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