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:
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.
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.
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.
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Companies with Cheap Ford F-150 Lariat Crew Cab Platinum 4WD Insurance
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.
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rate Tables and Charts
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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||$106|
|5-yr Claim Free||$92|
|Paid in Full/EFT||$67|
Discounts are estimated and may not be available from every company or in every state.