Ford F-150 STX Super Cab 4WD Insurance Rates
U.S. average insurance rates for a Ford F-150 STX Super Cab 4WD are $1,294 a year for full coverage insurance. Comprehensive costs on average $326 each year, collision costs $446, and liability costs $364. Just liability insurance costs as little as $430 a year, with coverage for high-risk drivers costing around $2,748. Teenage drivers pay the highest rates at $4,700 a year or more.
Annual premium for full coverage: $1,294
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 a 40-year-old driver, Ford F-150 STX Super Cab 4WD insurance prices go from as low as $430 for just liability insurance to a high rate of $2,748 for high-risk insurance.
Geographic Price Range
Your location can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how your location can change car insurance rates.
These price ranges illustrate why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.
Use the form below to get rates for your location.
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Insurance rates for a Ford F-150 STX Super Cab 4WD are also quite variable based on your driving record, the model year, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age
The state you live in makes a big difference in Ford F-150 STX Super Cab 4WD insurance prices. 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 $510 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Since rates can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so the rates may be quite different from one company to the next.
The chart estimates Ford F-150 STX Super Cab 4WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $765. Drivers who use higher $1,000 deductibles will pay around $1,118. The average rate for a 40-year-old male driver using $500 deductibles is $1,294. Using lower $100 deductibles for physical damage coverage can cost as much as $1,628. Drivers with multiple violations and accidents could be charged at least $2,748. The policy rate for full coverage insurance for a teen driver is $4,700.
|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||$90|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$56|
Discounts are estimated and may not be available from every company or in every state.