Ford F-150 STX Regular Cab 2WD Insurance Rates
Estimated insurance prices for a Ford F-150 STX Regular Cab 2WD are $1,174 every 12 months with full coverage. Comprehensive costs on average $270 a year, collision insurance costs $382, and liability costs $364. Liability-only insurance costs as little as $430 a year, and high-risk driver insurance costs around $2,500. Teenage drivers pay the most at up to $4,370 a year.
Annual premium for full coverage: $1,174
Premium 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
For an average driver, insurance rates for a Ford F-150 STX Regular Cab 2WD range from the cheapest price of $430 for your basic liability-only policy to a high of $2,500 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.
These rate differences demonstrate why it is important for drivers to compare rates based on a specific location and their own driving history, instead of using average rates.
Use the form below to get rates for your location.
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Insurance prices for a Ford F-150 STX Regular Cab 2WD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year of your F-150.
Using high physical damage deductibles could save up to $440 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Ford F-150 STX Regular Cab 2WD insurance prices. A 40-year-old driver could pay 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 such a large range of rates, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and rates will be substantially different.
The chart above shows Ford F-150 STX Regular Cab 2WD insurance rates for various coverage choices and risks. The best rate after discounts is $699. Drivers who use higher $1,000 deductibles will pay $1,026. The average rate for a 40-year-old male driver using $500 deductibles is $1,174. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,458. Drivers with multiple violations and accidents could be charged up to $2,500. The cost for full coverage insurance for a teen driver is $4,370.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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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||$80|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$50|
Discounts are estimated and may not be available from every company or in every state.