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  4. STX Regular Cab 4WD

Ford F-150 STX Regular Cab 4WD Insurance Rates

Estimated insurance rates for a Ford F-150 STX Regular Cab 4WD are $1,234 a year for full coverage insurance. Comprehensive costs around $298, collision insurance costs $414, and liability coverage costs $364. Liability-only insurance costs as little as $430 a year, and high-risk driver insurance costs around $2,624. Teenage drivers pay the most at up to $4,536 a year.

Annual premium for full coverage: $1,234

Premium estimates for type of coverage:

Comprehensive $298
Collision $414
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 an average driver, insurance rates for a Ford F-150 STX Regular Cab 4WD range from the low end price of $430 for basic liability insurance to the much higher price of $2,624 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,234
High Risk $2,624

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $926
Small Cities $1,296
Large Cities $1,666

These rate differences illustrate why everyone should compare rates for a specific zip code, rather than 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 4WD also have a wide range based on the replacement cost of your F-150, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,400 to $2,000 additional annually, depending on your age. Ford F-150 STX Regular Cab 4WD insurance for high-risk drivers can cost around 44% to 127% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in Ford F-150 STX Regular Cab 4WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $480 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

With such a large range of prices, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, and rates will be substantially different.

View Chart as Image

Ford F-150 STX Regular Cab 4WD insurance cost comparison chart
Column chart showing Ford F-150 STX Regular Cab 4WD insurance prices range from $732 to $4,536 for full coverage

The chart estimates Ford F-150 STX Regular Cab 4WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $732. Drivers who use higher $1,000 deductibles will pay $1,072. The average price for a driver age 40 with no violations using $500 deductibles is $1,234. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,544. Drivers with multiple violations and accidents could be charged up to $2,624. The rate for full coverage insurance for a 16-year-old driver is $4,536.

Ford F-150 STX Regular Cab 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,116-$118-9.6%
Alaska$946-$288-23.3%
Arizona$1,026-$208-16.9%
Arkansas$1,234-$00.0%
California$1,406$17213.9%
Colorado$1,180-$54-4.4%
Connecticut$1,268$342.8%
Delaware$1,398$16413.3%
Florida$1,544$31025.1%
Georgia$1,140-$94-7.6%
Hawaii$886-$348-28.2%
Idaho$834-$400-32.4%
Illinois$918-$316-25.6%
Indiana$930-$304-24.6%
Iowa$834-$400-32.4%
Kansas$1,174-$60-4.9%
Kentucky$1,684$45036.5%
Louisiana$1,826$59248.0%
Maine$760-$474-38.4%
Maryland$1,018-$216-17.5%
Massachusetts$986-$248-20.1%
Michigan$2,144$91073.7%
Minnesota$1,032-$202-16.4%
Mississippi$1,480$24619.9%
Missouri$1,094-$140-11.3%
Montana$1,326$927.5%
Nebraska$974-$260-21.1%
Nevada$1,480$24619.9%
New Hampshire$890-$344-27.9%
New Jersey$1,380$14611.8%
New Mexico$1,092-$142-11.5%
New York$1,300$665.3%
North Carolina$712-$522-42.3%
North Dakota$1,010-$224-18.2%
Ohio$852-$382-31.0%
Oklahoma$1,268$342.8%
Oregon$1,130-$104-8.4%
Pennsylvania$1,176-$58-4.7%
Rhode Island$1,646$41233.4%
South Carolina$1,118-$116-9.4%
South Dakota$1,040-$194-15.7%
Tennessee$1,082-$152-12.3%
Texas$1,488$25420.6%
Utah$916-$318-25.8%
Vermont$844-$390-31.6%
Virginia$740-$494-40.0%
Washington$954-$280-22.7%
West Virginia$1,132-$102-8.3%
Wisconsin$854-$380-30.8%
Wyoming$1,100-$134-10.9%

View Chart as Image

Ford F-150 STX Regular Cab 4WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-150 STX Regular Cab 4WD Insurance Rates by Driver Age
Driver AgePremium
16$4,536
20$2,788
30$1,284
40$1,234
50$1,124
60$1,100

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 STX Regular Cab 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,544
$250$1,402
$500$1,234
$1,000$1,072

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 STX Regular Cab 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,234
50/100$1,307
100/300$1,398
250/500$1,634
100 CSL$1,343
300 CSL$1,543
500 CSL$1,689

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 STX Regular Cab 4WD Insurance Rates for High Risk Drivers
AgePremium
16$6,444
20$4,416
30$2,680
40$2,624
50$2,502
60$2,474

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 $161

Potential Rate Discounts

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

DiscountSavings
Multi-policy$65
Multi-vehicle$61
Homeowner$18
5-yr Accident Free$85
5-yr Claim Free$77
Paid in Full/EFT$53
Advance Quote$57
Online Quote$86
Total Discounts$502
Rate after discounts $732

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

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