Ford F-150 Lariat Super Cab 4WD Insurance Rates
Average auto insurance rates for a Ford F-150 Lariat Super Cab 4WD are $1,416 annually with full coverage. Comprehensive costs on average $354 a year, collision costs $540, and liability insurance costs around $364. Only liability insurance costs as low as $430 a year, with high-risk insurance costing around $3,028. Teenage drivers receive the highest rates at $5,112 a year or more.
Annual premium for full coverage: $1,416
Rate estimates 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
Using a middle-aged driver as an example, prices go from as cheap as $430 for just liability insurance to a high of $3,028 for a high-risk driver policy.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities.
The diagram below illustrates how where you live affects car insurance rates.
These differences demonstrate why it is important for drivers to compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.
Use the form below to get rates for your location.
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Insurance rates for a Ford F-150 Lariat Super Cab 4WD can also vary considerably based on the model year of your F-150, your driving record, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $600 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Ford F-150 Lariat Super Cab 4WD insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.
With so much variability in prices, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the rates can be significantly different between companies.
The chart above shows Ford F-150 Lariat Super Cab 4WD insurance prices for different situations. The lowest price with discounts is $824. Drivers who use higher $1,000 deductibles will pay about $1,214. The average price for a 40-year-old male driver using $500 deductibles is $1,416. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,808. Drivers with multiple violations and accidents could be charged as much as $3,028. The cost for full coverage insurance for a teen driver can be as high as $5,112.
|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||$103|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$65|
Discounts are estimated and may not be available from every company or in every state.