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Ford F-150 Lariat Super Cab 2WD Insurance Rates

Enter your zip code below to view companies that have cheap auto 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:

Comprehensive $326
Collision $508
Liability $364

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.

Liability Only $430
Full Coverage $1,356
High Risk $2,904

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.

Rural Areas $1,017
Small Cities $1,424
Large Cities $1,831

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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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.

View Chart as Image

Ford F-150 Lariat Super Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 Lariat Super Cab 2WD insurance prices range from $791 to $4,948 for full coverage

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.

Ford F-150 Lariat Super Cab 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$128 -9.4%
Alaska $1,040 -$316 -23.3%
Arizona $1,126 -$230 -17.0%
Arkansas $1,356 -$0 0.0%
California $1,546 $190 14.0%
Colorado $1,298 -$58 -4.3%
Connecticut $1,396 $40 2.9%
Delaware $1,536 $180 13.3%
Florida $1,698 $342 25.2%
Georgia $1,254 -$102 -7.5%
Hawaii $974 -$382 -28.2%
Idaho $918 -$438 -32.3%
Illinois $1,010 -$346 -25.5%
Indiana $1,022 -$334 -24.6%
Iowa $916 -$440 -32.4%
Kansas $1,290 -$66 -4.9%
Kentucky $1,852 $496 36.6%
Louisiana $2,008 $652 48.1%
Maine $838 -$518 -38.2%
Maryland $1,120 -$236 -17.4%
Massachusetts $1,084 -$272 -20.1%
Michigan $2,358 $1,002 73.9%
Minnesota $1,136 -$220 -16.2%
Mississippi $1,626 $270 19.9%
Missouri $1,204 -$152 -11.2%
Montana $1,456 $100 7.4%
Nebraska $1,070 -$286 -21.1%
Nevada $1,628 $272 20.1%
New Hampshire $978 -$378 -27.9%
New Jersey $1,516 $160 11.8%
New Mexico $1,202 -$154 -11.4%
New York $1,430 $74 5.5%
North Carolina $782 -$574 -42.3%
North Dakota $1,112 -$244 -18.0%
Ohio $936 -$420 -31.0%
Oklahoma $1,396 $40 2.9%
Oregon $1,244 -$112 -8.3%
Pennsylvania $1,294 -$62 -4.6%
Rhode Island $1,810 $454 33.5%
South Carolina $1,230 -$126 -9.3%
South Dakota $1,144 -$212 -15.6%
Tennessee $1,188 -$168 -12.4%
Texas $1,636 $280 20.6%
Utah $1,006 -$350 -25.8%
Vermont $930 -$426 -31.4%
Virginia $812 -$544 -40.1%
Washington $1,048 -$308 -22.7%
West Virginia $1,244 -$112 -8.3%
Wisconsin $940 -$416 -30.7%
Wyoming $1,208 -$148 -10.9%

View Chart as Image

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

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Rates by Driver Age

Ford F-150 Lariat Super Cab 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,948
20 $3,088
30 $1,416
40 $1,356
50 $1,236
60 $1,212

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 Lariat Super Cab 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,722
$250 $1,554
$500 $1,356
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Lariat Super Cab 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,356
50/100 $1,429
100/300 $1,520
250/500 $1,756
100 CSL $1,465
300 CSL $1,665
500 CSL $1,811

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 Lariat Super Cab 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,052
20 $4,900
30 $2,972
40 $2,904
50 $2,768
60 $2,740

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $65
Online Quote $96
Total Discounts $565
Rate after discounts $791

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

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