Ford F-150 STX Regular Cab 4WD Insurance Rates
Estimated insurance rates for a Ford F-150 STX Regular Cab 4WD are $1,174 a year for full coverage insurance. Comprehensive costs around $284, collision insurance costs $392, and liability coverage costs $346. Liability-only insurance costs as little as $410 a year, and high-risk driver insurance costs around $2,496. Teenage drivers pay the most at up to $4,308 a year.
Annual premium for full coverage: $1,174
Premium estimates for type of coverage:
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 $410 for basic liability insurance to the much higher price of $2,496 for a driver required to buy high-risk insurance.
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.
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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Recommended Companies for Cheap Ford F-150 STX Regular Cab 4WD Insurance
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 $1,900 additional annually, depending on your age. Ford F-150 STX Regular Cab 4WD insurance for high-risk drivers can cost around 44% to 134% 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 $4,300 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 $1,170 a year in states like North Carolina, , and , or be forced to pay as much as $1,670 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 $450 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 $312 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.
The chart estimates Ford F-150 STX Regular Cab 4WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $699. Drivers who use higher $1,000 deductibles will pay $1,020. The average price for a driver age 40 with no violations using $500 deductibles is $1,174. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,466. Drivers with multiple violations and accidents could be charged up to $2,496. The rate for full coverage insurance for a 16-year-old driver is $4,308.
|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||$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.