1. Vehicles
  2. Ford
  3. F-150
  4. XL Crew Cab 4WD

Ford F-150 XL Crew Cab 4WD Insurance Rates

Average insurance prices for a Ford F-150 XL Crew Cab 4WD are $1,230 every 12 months with full coverage. Comprehensive costs on average $310 a year, collision costs $422, and liability costs around $346. Only liability insurance costs as low as $410 a year, with high-risk insurance costing around $2,610. Teen drivers receive the highest rates at $4,466 a year or more.

Annual premium for full coverage: $1,230

Rate estimates by individual coverage type:

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, prices go from the cheapest price of $410 for just liability coverage to a high of $2,610 for high-risk insurance.

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

Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

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

These differences demonstrate why it is important for drivers to compare prices based on a specific location and their own driving history, instead of using price averages.

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.

Companies will appear below. Click here to load full page.

Recommended Companies for Cheap Ford F-150 XL Crew Cab 4WD Insurance

Searching Companies

Insurance rates for a Ford F-150 XL Crew Cab 4WD can also vary considerably based on policy deductibles and limits, your driving record, and the model year of your F-150.

Choosing high deductibles could cut rates by as much as $490 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $312 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 128% more than average. View High Risk Driver Rates

Where you live has a huge impact on Ford F-150 XL Crew Cab 4WD insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Indiana, Ohio, and Vermont, or as much as $1,620 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly different.

View Chart as Image

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

The chart above shows Ford F-150 XL Crew Cab 4WD insurance rates for different coverage choices and risks. The best rate after discounts is $729. Drivers who choose higher $1,000 deductibles will pay $1,064. The average rate for a 40-year-old male driver using $500 deductibles is $1,230. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,548. High risk drivers could be charged as much as $2,610. The cost for full coverage insurance for a teen driver can be as high as $4,466.

Ford F-150 XL Crew 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 XL Crew Cab 4WD insurance rates by U.S. city

Compare Rates and Save

Find companies with the cheapest rates in your area

Not your model?

Choose a different trim level below

Rates by Driver Age

Ford F-150 XL Crew 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 XL Crew 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 XL Crew 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 XL Crew 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.

You May Also Enjoy These Articles