Ford F-150 STX Super Cab 4WD Insurance Rates

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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:

Comprehensive $326
Collision $446
Liability $364

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.

Liability Only $430
Full Coverage $1,294
High Risk $2,748

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 $971
Small Cities $1,359
Large Cities $1,747

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 $1,200 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.

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 $765 to $4,700 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 $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.

Ford F-150 STX Super Cab 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,170 -$124 -9.6%
Alaska $992 -$302 -23.3%
Arizona $1,074 -$220 -17.0%
Arkansas $1,294 -$0 0.0%
California $1,474 $180 13.9%
Colorado $1,236 -$58 -4.5%
Connecticut $1,332 $38 2.9%
Delaware $1,466 $172 13.3%
Florida $1,618 $324 25.0%
Georgia $1,196 -$98 -7.6%
Hawaii $930 -$364 -28.1%
Idaho $876 -$418 -32.3%
Illinois $964 -$330 -25.5%
Indiana $974 -$320 -24.7%
Iowa $872 -$422 -32.6%
Kansas $1,230 -$64 -4.9%
Kentucky $1,766 $472 36.5%
Louisiana $1,914 $620 47.9%
Maine $798 -$496 -38.3%
Maryland $1,068 -$226 -17.5%
Massachusetts $1,034 -$260 -20.1%
Michigan $2,248 $954 73.7%
Minnesota $1,082 -$212 -16.4%
Mississippi $1,552 $258 19.9%
Missouri $1,148 -$146 -11.3%
Montana $1,388 $94 7.3%
Nebraska $1,020 -$274 -21.2%
Nevada $1,552 $258 19.9%
New Hampshire $932 -$362 -28.0%
New Jersey $1,446 $152 11.7%
New Mexico $1,146 -$148 -11.4%
New York $1,362 $68 5.3%
North Carolina $746 -$548 -42.3%
North Dakota $1,060 -$234 -18.1%
Ohio $894 -$400 -30.9%
Oklahoma $1,330 $36 2.8%
Oregon $1,186 -$108 -8.3%
Pennsylvania $1,234 -$60 -4.6%
Rhode Island $1,726 $432 33.4%
South Carolina $1,174 -$120 -9.3%
South Dakota $1,092 -$202 -15.6%
Tennessee $1,134 -$160 -12.4%
Texas $1,560 $266 20.6%
Utah $960 -$334 -25.8%
Vermont $886 -$408 -31.5%
Virginia $774 -$520 -40.2%
Washington $1,000 -$294 -22.7%
West Virginia $1,186 -$108 -8.3%
Wisconsin $896 -$398 -30.8%
Wyoming $1,152 -$142 -11.0%

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 Age Premium
16 $4,700
20 $2,914
30 $1,348
40 $1,294
50 $1,178
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 STX Super Cab 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,476
$500 $1,294
$1,000 $1,118

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 STX Super Cab 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,367
100/300 $1,458
250/500 $1,694
100 CSL $1,403
300 CSL $1,603
500 CSL $1,749

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 STX Super Cab 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,686
20 $4,616
30 $2,810
40 $2,748
50 $2,618
60 $2,590

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 $169

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $64
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $81
Paid in Full/EFT $56
Advance Quote $60
Online Quote $91
Total Discounts $529
Rate after discounts $765

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

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