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  4. XL Crew Cab 2WD

Ford F-150 XL Crew Cab 2WD Insurance Rates

Average insurance rates for a Ford F-150 XL Crew Cab 2WD are $1,160 a year including full coverage. Comprehensive insurance costs around $270, collision insurance costs $392, and liability insurance costs around $346. Only liability insurance costs as low as $410 a year, and high-risk insurance costs $2,474 or more. Teenage drivers receive the highest rates at up to $4,288 a year.

Annual premium for full coverage: $1,160

Rate estimates for type of coverage:

Comprehensive $270
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 a driver in their 40's, prices range from the low end price of $410 for a discount liability-only rate to the much higher price of $2,474 for a driver who has had serious violations or accidents.

Liability Only $410
Full Coverage $1,160
High Risk $2,474

These differences highlight why everyone should compare prices for a specific zip code, rather than relying on average rates.

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Insurance rates for a Ford F-150 XL Crew Cab 2WD can also vary considerably based on the replacement cost of your F-150, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,300 to $1,800 extra per year, depending on your age. Ford F-150 XL Crew Cab 2WD insurance for high-risk drivers can be anywhere from 42% to 125% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,200 a year. View Rates by Age

Where you live has a huge impact on Ford F-150 XL Crew Cab 2WD insurance rates. 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.

Using high physical damage deductibles could cut prices by as much as $440 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $312 more per year. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so the rates can be significantly different.

View Chart as Image

Ford F-150 XL Crew Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 XL Crew Cab 2WD insurance prices range from $687 to $4,288 for full coverage

The chart above shows average Ford F-150 XL Crew Cab 2WD insurance prices for various risks and coverage choices. The lowest price with discounts is $687. Drivers who use higher $1,000 deductibles will pay $1,010. The average price for a driver age 40 with no violations using $500 deductibles is $1,160. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,448. Drivers with multiple violations and accidents could be charged as much as $2,474. The rate for full coverage for a 16-year-old driver can be as high as $4,288.

Ford F-150 XL Crew Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,114-$46-4.0%
Alaska$952-$208-17.9%
Arizona$1,164$40.3%
Arkansas$1,174$141.2%
California$1,302$14212.2%
Colorado$1,204$443.8%
Connecticut$1,516$35630.7%
Delaware$1,410$25021.6%
Florida$1,566$40635.0%
Georgia$1,150-$10-0.9%
Hawaii$1,252$927.9%
Idaho$806-$354-30.5%
Illinois$862-$298-25.7%
Indiana$826-$334-28.8%
Iowa$872-$288-24.8%
Kansas$1,064-$96-8.3%
Kentucky$1,502$34229.5%
Louisiana$1,878$71861.9%
Maine$794-$366-31.6%
Maryland$1,192$322.8%
Massachusetts$1,020-$140-12.1%
Michigan$2,132$97283.8%
Minnesota$1,018-$142-12.2%
Mississippi$1,134-$26-2.2%
Missouri$990-$170-14.7%
Montana$1,052-$108-9.3%
Nebraska$954-$206-17.8%
Nevada$1,498$33829.1%
New Hampshire$946-$214-18.4%
New Jersey$1,156-$4-0.3%
New Mexico$1,074-$86-7.4%
New York$1,510$35030.2%
North Carolina$822-$338-29.1%
North Dakota$1,128-$32-2.8%
Ohio$816-$344-29.7%
Oklahoma$1,408$24821.4%
Oregon$1,088-$72-6.2%
Pennsylvania$1,304$14412.4%
Rhode Island$1,406$24621.2%
South Carolina$1,080-$80-6.9%
South Dakota$908-$252-21.7%
Tennessee$1,042-$118-10.2%
Texas$1,114-$46-4.0%
Utah$1,026-$134-11.6%
Vermont$824-$336-29.0%
Virginia$832-$328-28.3%
Washington$1,020-$140-12.1%
West Virginia$1,182$221.9%
Wisconsin$1,182$221.9%
Wyoming$1,282$12210.5%

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Ford F-150 XL Crew Cab 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-150 XL Crew Cab 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,288
20$2,630
30$1,206
40$1,160
50$1,056
60$1,036

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XL Crew Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,448
$250$1,316
$500$1,160
$1,000$1,010

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XL Crew Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,160
50/100$1,229
100/300$1,316
250/500$1,541
100 CSL$1,264
300 CSL$1,454
500 CSL$1,593

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XL Crew Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,088
20$4,166
30$2,524
40$2,474
50$2,356
60$2,328

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 $153

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$80
5-yr Claim Free$73
Paid in Full/EFT$50
Advance Quote$54
Online Quote$81
Total Discounts$473
Rate after discounts $687

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

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