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Ford F-150 STX Super Cab 2WD Insurance Rates

U.S. average auto insurance rates for a Ford F-150 STX Super Cab 2WD are $1,148 annually including full coverage. Comprehensive costs on average $258 each year, collision insurance costs $392, and liability costs around $346. Liability-only insurance costs as low as $410 a year, and high-risk driver insurance costs around $2,452. Teenage drivers pay the highest rates at up to $4,268 a year.

Annual premium for full coverage: $1,148

Price estimates by individual coverage:

Comprehensive $258
Collision $392
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 the normal driver, Ford F-150 STX Super Cab 2WD insurance prices range from as cheap as $410 for just the minimum liability insurance to a high rate of $2,452 for a driver who requires high-risk insurance.

Liability Only $410
Full Coverage $1,148
High Risk $2,452

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $861
Small Cities $1,205
Large Cities $1,550

These price ranges highlight why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get rates for your location.

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Car insurance rates for a Ford F-150 STX Super Cab 2WD are also quite variable based on the actual cash value of your F-150, your driving characteristics, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $430 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $312 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford F-150 STX Super Cab 2WD insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,890 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

View Chart as Image

Ford F-150 STX Super Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 STX Super Cab 2WD insurance prices range from $679 to $4,268 for full coverage

The chart above shows average Ford F-150 STX Super Cab 2WD insurance prices for various situations. The cheapest discount price is $679. Drivers who use higher $1,000 deductibles will pay about $1,000. The average price for a 40-year-old male driver using $500 deductibles is $1,148. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,430. Drivers with multiple violations and accidents could be charged at least $2,452. The policy rate for full coverage insurance for a teen driver can be as high as $4,268.

Ford F-150 STX Super Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,102-$46-4.0%
Alaska$942-$206-17.9%
Arizona$1,150$20.2%
Arkansas$1,160$121.0%
California$1,288$14012.2%
Colorado$1,190$423.7%
Connecticut$1,500$35230.7%
Delaware$1,394$24621.4%
Florida$1,548$40034.8%
Georgia$1,138-$10-0.9%
Hawaii$1,238$907.8%
Idaho$798-$350-30.5%
Illinois$852-$296-25.8%
Indiana$816-$332-28.9%
Iowa$862-$286-24.9%
Kansas$1,052-$96-8.4%
Kentucky$1,486$33829.4%
Louisiana$1,858$71061.8%
Maine$784-$364-31.7%
Maryland$1,178$302.6%
Massachusetts$1,008-$140-12.2%
Michigan$2,108$96083.6%
Minnesota$1,006-$142-12.4%
Mississippi$1,122-$26-2.3%
Missouri$978-$170-14.8%
Montana$1,040-$108-9.4%
Nebraska$944-$204-17.8%
Nevada$1,480$33228.9%
New Hampshire$936-$212-18.5%
New Jersey$1,142-$6-0.5%
New Mexico$1,062-$86-7.5%
New York$1,494$34630.1%
North Carolina$812-$336-29.3%
North Dakota$1,114-$34-3.0%
Ohio$808-$340-29.6%
Oklahoma$1,392$24421.3%
Oregon$1,074-$74-6.4%
Pennsylvania$1,290$14212.4%
Rhode Island$1,390$24221.1%
South Carolina$1,068-$80-7.0%
South Dakota$898-$250-21.8%
Tennessee$1,030-$118-10.3%
Texas$1,102-$46-4.0%
Utah$1,014-$134-11.7%
Vermont$816-$332-28.9%
Virginia$824-$324-28.2%
Washington$1,008-$140-12.2%
West Virginia$1,168$201.7%
Wisconsin$1,168$201.7%
Wyoming$1,266$11810.3%

View Chart as Image

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

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Rates by Driver Age

Ford F-150 STX Super Cab 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,268
20$2,612
30$1,190
40$1,148
50$1,044
60$1,026

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 STX Super Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,430
$250$1,300
$500$1,148
$1,000$1,000

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 STX Super Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,148
50/100$1,217
100/300$1,304
250/500$1,529
100 CSL$1,252
300 CSL$1,442
500 CSL$1,581

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 STX Super Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,060
20$4,138
30$2,500
40$2,452
50$2,336
60$2,310

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 $152

Potential Rate Discounts

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

DiscountSavings
Multi-policy$60
Multi-vehicle$58
Homeowner$17
5-yr Accident Free$79
5-yr Claim Free$72
Paid in Full/EFT$49
Advance Quote$54
Online Quote$80
Total Discounts$469
Rate after discounts $679

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

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