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Ford F-150 Lariat Super Cab 2WD Insurance Rates

U.S. average insurance prices for a Ford F-150 Lariat Super Cab 2WD are $1,290 every 12 months for full coverage. Comprehensive costs around $310 each year, collision insurance costs $482, and liability costs $346. Liability-only coverage costs as little as $410 a year, and high-risk coverage costs around $2,758. Teenage drivers pay the highest rates at up to $4,700 a year.

Annual premium for full coverage: $1,290

Price estimates for individual coverage:

Comprehensive $310
Collision $482
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 the normal driver, Ford F-150 Lariat Super Cab 2WD insurance prices range from the cheapest price of $410 for just liability coverage to a high rate of $2,758 for a driver who requires high-risk insurance.

Liability Only $410
Full Coverage $1,290
High Risk $2,758

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 $968
Small Cities $1,355
Large Cities $1,742

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 $530 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 $312 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 $1,200 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 $4,700 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 $1,500 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 130% 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 $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,890 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 $753 to $4,700 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 $753. Drivers who use higher $1,000 deductibles will pay $1,110. The average rate for a driver age 40 with no violations using $500 deductibles is $1,290. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,636. Drivers with multiple violations and accidents could be charged at least $2,758. The policy rate for full coverage insurance for a 16-year-old driver is $4,700.

Ford F-150 Lariat Super Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,238-$52-4.0%
Alaska$1,058-$232-18.0%
Arizona$1,294$40.3%
Arkansas$1,306$161.2%
California$1,446$15612.1%
Colorado$1,338$483.7%
Connecticut$1,686$39630.7%
Delaware$1,568$27821.6%
Florida$1,740$45034.9%
Georgia$1,278-$12-0.9%
Hawaii$1,390$1007.8%
Idaho$896-$394-30.5%
Illinois$956-$334-25.9%
Indiana$918-$372-28.8%
Iowa$970-$320-24.8%
Kansas$1,186-$104-8.1%
Kentucky$1,670$38029.5%
Louisiana$2,088$79861.9%
Maine$882-$408-31.6%
Maryland$1,326$362.8%
Massachusetts$1,136-$154-11.9%
Michigan$2,370$1,08083.7%
Minnesota$1,132-$158-12.2%
Mississippi$1,262-$28-2.2%
Missouri$1,098-$192-14.9%
Montana$1,168-$122-9.5%
Nebraska$1,062-$228-17.7%
Nevada$1,664$37429.0%
New Hampshire$1,052-$238-18.4%
New Jersey$1,282-$8-0.6%
New Mexico$1,196-$94-7.3%
New York$1,678$38830.1%
North Carolina$914-$376-29.1%
North Dakota$1,254-$36-2.8%
Ohio$908-$382-29.6%
Oklahoma$1,568$27821.6%
Oregon$1,208-$82-6.4%
Pennsylvania$1,452$16212.6%
Rhode Island$1,564$27421.2%
South Carolina$1,202-$88-6.8%
South Dakota$1,010-$280-21.7%
Tennessee$1,158-$132-10.2%
Texas$1,238-$52-4.0%
Utah$1,142-$148-11.5%
Vermont$918-$372-28.8%
Virginia$928-$362-28.1%
Washington$1,136-$154-11.9%
West Virginia$1,314$241.9%
Wisconsin$1,314$241.9%
Wyoming$1,424$13410.4%

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 AgePremium
16$4,700
20$2,936
30$1,346
40$1,290
50$1,174
60$1,152

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 Lariat Super Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,636
$250$1,478
$500$1,290
$1,000$1,110

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Lariat Super Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,290
50/100$1,359
100/300$1,446
250/500$1,671
100 CSL$1,394
300 CSL$1,584
500 CSL$1,723

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 Lariat Super Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,698
20$4,652
30$2,822
40$2,758
50$2,628
60$2,600

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 $173

Potential Rate Discounts

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

DiscountSavings
Multi-policy$68
Multi-vehicle$65
Homeowner$18
5-yr Accident Free$93
5-yr Claim Free$82
Paid in Full/EFT$58
Advance Quote$62
Online Quote$91
Total Discounts$537
Rate after discounts $753

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

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