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Ford F-150 STX Super Cab 4WD Insurance Rates

U.S. average insurance rates for a Ford F-150 STX Super Cab 4WD are $1,230 a year for full coverage insurance. Comprehensive costs on average $310 each year, collision costs $422, and liability costs $346. Just liability insurance costs as little as $410 a year, with coverage for high-risk drivers costing around $2,610. Teenage drivers pay the highest rates at $4,466 a year or more.

Annual premium for full coverage: $1,230

Price estimates by individual coverage:

Comprehensive $310
Collision $422
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 a 40-year-old driver, Ford F-150 STX Super Cab 4WD insurance prices go from as low as $410 for just liability insurance to a high rate of $2,610 for high-risk insurance.

Liability Only $410
Full Coverage $1,230
High Risk $2,610

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.

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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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 $1,100 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,400 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 $1,170 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 $490 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 $312 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 $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 128% 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.

View Chart as Image

Ford F-150 STX Super Cab 4WD insurance cost comparison chart
Column chart showing Ford F-150 STX Super Cab 4WD insurance prices range from $729 to $4,466 for full coverage

The chart estimates Ford F-150 STX Super Cab 4WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $729. Drivers who use higher $1,000 deductibles will pay around $1,064. The average rate for a 40-year-old male driver using $500 deductibles is $1,230. Using lower $100 deductibles for physical damage coverage can cost as much as $1,548. Drivers with multiple violations and accidents could be charged at least $2,610. The policy rate for full coverage insurance for a teen driver is $4,466.

Ford F-150 STX Super Cab 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,180-$50-4.1%
Alaska$1,008-$222-18.0%
Arizona$1,234$40.3%
Arkansas$1,244$141.1%
California$1,378$14812.0%
Colorado$1,276$463.7%
Connecticut$1,608$37830.7%
Delaware$1,494$26421.5%
Florida$1,658$42834.8%
Georgia$1,220-$10-0.8%
Hawaii$1,326$967.8%
Idaho$854-$376-30.6%
Illinois$912-$318-25.9%
Indiana$876-$354-28.8%
Iowa$926-$304-24.7%
Kansas$1,130-$100-8.1%
Kentucky$1,592$36229.4%
Louisiana$1,992$76262.0%
Maine$842-$388-31.5%
Maryland$1,264$342.8%
Massachusetts$1,082-$148-12.0%
Michigan$2,260$1,03083.7%
Minnesota$1,080-$150-12.2%
Mississippi$1,204-$26-2.1%
Missouri$1,046-$184-15.0%
Montana$1,112-$118-9.6%
Nebraska$1,012-$218-17.7%
Nevada$1,586$35628.9%
New Hampshire$1,002-$228-18.5%
New Jersey$1,224-$6-0.5%
New Mexico$1,140-$90-7.3%
New York$1,600$37030.1%
North Carolina$872-$358-29.1%
North Dakota$1,196-$34-2.8%
Ohio$866-$364-29.6%
Oklahoma$1,494$26421.5%
Oregon$1,152-$78-6.3%
Pennsylvania$1,384$15412.5%
Rhode Island$1,490$26021.1%
South Carolina$1,146-$84-6.8%
South Dakota$964-$266-21.6%
Tennessee$1,104-$126-10.2%
Texas$1,180-$50-4.1%
Utah$1,090-$140-11.4%
Vermont$876-$354-28.8%
Virginia$884-$346-28.1%
Washington$1,082-$148-12.0%
West Virginia$1,252$221.8%
Wisconsin$1,254$242.0%
Wyoming$1,358$12810.4%

View Chart as Image

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

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Rates by Driver Age

Ford F-150 STX Super Cab 4WD Insurance Rates by Driver Age
Driver AgePremium
16$4,466
20$2,770
30$1,282
40$1,230
50$1,118
60$1,096

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 STX Super Cab 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,548
$250$1,404
$500$1,230
$1,000$1,064

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 STX Super Cab 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,230
50/100$1,299
100/300$1,386
250/500$1,611
100 CSL$1,334
300 CSL$1,524
500 CSL$1,663

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 STX Super Cab 4WD Insurance Rates for High Risk Drivers
AgePremium
16$6,350
20$4,382
30$2,670
40$2,610
50$2,486
60$2,458

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 $160

Potential Rate Discounts

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

DiscountSavings
Multi-policy$65
Multi-vehicle$60
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$501
Rate after discounts $729

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

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