1. Vehicles
  2. Ford
  3. F-150
  4. STX Regular Cab 2WD

Ford F-150 STX Regular Cab 2WD Insurance Rates

Estimated insurance prices for a Ford F-150 STX Regular Cab 2WD are $1,118 every 12 months with full coverage. Comprehensive costs on average $258 a year, collision insurance costs $362, and liability costs $346. Liability-only insurance costs as little as $410 a year, and high-risk driver insurance costs around $2,378. Teenage drivers pay the most at up to $4,150 a year.

Annual premium for full coverage: $1,118

Premium estimates by individual coverage type:

Comprehensive $258
Collision $362
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 an average driver, insurance rates for a Ford F-150 STX Regular Cab 2WD range from the cheapest price of $410 for your basic liability-only policy to a high of $2,378 for a driver required to buy high-risk insurance.

Liability Only $410
Full Coverage $1,118
High Risk $2,378

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.

Rural Areas $839
Small Cities $1,174
Large Cities $1,509

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.

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

Companies will appear below. Click here to load full page.

Recommended Companies for Cheap Ford F-150 STX Regular Cab 2WD Insurance

Searching Companies

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 $410 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 $312 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 $1,000 per year on average, or $83 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 $4,100 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 $1,300 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% 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 $920 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,620 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.

View Chart as Image

Ford F-150 STX Regular Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 STX Regular Cab 2WD insurance prices range from $666 to $4,150 for full coverage

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 $666. Drivers who use higher $1,000 deductibles will pay $976. The average rate for a 40-year-old male driver using $500 deductibles is $1,118. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,386. Drivers with multiple violations and accidents could be charged up to $2,378. The cost for full coverage insurance for a teen driver is $4,150.

Ford F-150 STX Regular Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,072-$46-4.1%
Alaska$918-$200-17.9%
Arizona$1,120$20.2%
Arkansas$1,130$121.1%
California$1,254$13612.2%
Colorado$1,158$403.6%
Connecticut$1,462$34430.8%
Delaware$1,358$24021.5%
Florida$1,508$39034.9%
Georgia$1,108-$10-0.9%
Hawaii$1,206$887.9%
Idaho$776-$342-30.6%
Illinois$830-$288-25.8%
Indiana$794-$324-29.0%
Iowa$840-$278-24.9%
Kansas$1,026-$92-8.2%
Kentucky$1,446$32829.3%
Louisiana$1,810$69261.9%
Maine$764-$354-31.7%
Maryland$1,146$282.5%
Massachusetts$982-$136-12.2%
Michigan$2,052$93483.5%
Minnesota$980-$138-12.3%
Mississippi$1,092-$26-2.3%
Missouri$952-$166-14.8%
Montana$1,012-$106-9.5%
Nebraska$918-$200-17.9%
Nevada$1,440$32228.8%
New Hampshire$912-$206-18.4%
New Jersey$1,112-$6-0.5%
New Mexico$1,034-$84-7.5%
New York$1,454$33630.1%
North Carolina$792-$326-29.2%
North Dakota$1,084-$34-3.0%
Ohio$788-$330-29.5%
Oklahoma$1,354$23621.1%
Oregon$1,046-$72-6.4%
Pennsylvania$1,256$13812.3%
Rhode Island$1,354$23621.1%
South Carolina$1,040-$78-7.0%
South Dakota$874-$244-21.8%
Tennessee$1,004-$114-10.2%
Texas$1,072-$46-4.1%
Utah$988-$130-11.6%
Vermont$794-$324-29.0%
Virginia$802-$316-28.3%
Washington$982-$136-12.2%
West Virginia$1,136$181.6%
Wisconsin$1,138$201.8%
Wyoming$1,232$11410.2%

View Chart as Image

Ford F-150 STX Regular Cab 2WD insurance rates by U.S. city

Compare Rates and Save

Find companies with the cheapest rates in your area

Not your model?

Choose a different trim level below

Rates by Driver Age

Ford F-150 STX Regular Cab 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,150
20$2,530
30$1,158
40$1,118
50$1,016
60$998

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 STX Regular Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,386
$250$1,264
$500$1,118
$1,000$976

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 STX Regular Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,118
50/100$1,187
100/300$1,274
250/500$1,499
100 CSL$1,222
300 CSL$1,412
500 CSL$1,551

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 STX Regular Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$5,886
20$4,002
30$2,424
40$2,378
50$2,266
60$2,240

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 $146

Potential Rate Discounts

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

DiscountSavings
Multi-policy$58
Multi-vehicle$56
Homeowner$17
5-yr Accident Free$76
5-yr Claim Free$70
Paid in Full/EFT$47
Advance Quote$51
Online Quote$77
Total Discounts$452
Rate after discounts $666

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

You May Also Enjoy These Articles