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 $1,206 annually including full coverage. Comprehensive costs on average $270 each year, collision insurance costs $414, and liability costs around $364. Liability-only insurance costs as low as $430 a year, and high-risk driver insurance costs around $2,578. Teenage drivers pay the highest rates at up to $4,494 a year.
Annual premium for full coverage: $1,206
Price estimates by individual 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 the normal driver, Ford F-150 STX Super Cab 2WD insurance prices range from as cheap as $430 for just the minimum liability insurance to a high rate of $2,578 for a driver who requires high-risk insurance.
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.
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 $4,400 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 $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $460 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 $327 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 $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 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.
The chart above shows average Ford F-150 STX Super Cab 2WD insurance prices for various situations. The cheapest discount price is $711. Drivers who use higher $1,000 deductibles will pay about $1,050. The average price for a 40-year-old male driver using $500 deductibles is $1,206. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,506. Drivers with multiple violations and accidents could be charged at least $2,578. The policy rate for full coverage insurance for a teen driver can be as high as $4,494.
|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||$84|
|5-yr Claim Free||$76|
|Paid in Full/EFT||$52|
Discounts are estimated and may not be available from every company or in every state.