Ford F-150 Lariat Super Cab 2WD Insurance Rates
U.S. average insurance prices for a Ford F-150 Lariat Super Cab 2WD are $1,356 every 12 months for full coverage. Comprehensive costs around $326 each year, collision insurance costs $508, and liability costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,904. Teenage drivers pay the highest rates at up to $4,948 a year.
Annual premium for full coverage: $1,356
Price estimates for individual coverage:
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 the normal driver, Ford F-150 Lariat Super Cab 2WD insurance prices range from the cheapest price of $430 for just liability coverage to a high rate of $2,904 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.
These price ranges show why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.
Use the form below to get rates for your location.
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Auto insurance rates for a Ford F-150 Lariat Super Cab 2WD are also quite variable based on deductibles and policy limits, your driver profile, and the actual cash value of your F-150.
Using high physical damage deductibles could save up to $560 annually, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Ford F-150 Lariat Super Cab 2WD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
Since rates can be so different, the only way to know your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, and quoted rates may be quite different.
Chart shows Ford F-150 Lariat Super Cab 2WD insurance rates for various coverage choices and risks. The cheapest discount rate is $791. Drivers who use higher $1,000 deductibles will pay $1,166. The average rate for a driver age 40 with no violations using $500 deductibles is $1,356. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,722. Drivers with multiple violations and accidents could be charged at least $2,904. The policy rate for full coverage insurance for a 16-year-old driver is $4,948.
|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||$98|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.