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  4. XL Regular Cab 2WD

Ford F-150 XL Regular Cab 2WD Insurance Rates

The average insurance prices for a Ford F-150 XL Regular Cab 2WD are $1,060 every 12 months for full coverage insurance. Comprehensive insurance costs around $230 a year, collision insurance costs $332, and liability insurance costs around $346. A liability-only policy costs as low as $410 a year, and high-risk insurance costs $2,262 or more. Teenage drivers cost the most to insure at up to $3,994 a year.

Annual premium for full coverage: $1,060

Policy rates for individual coverage type:

Comprehensive $230
Collision $332
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, Ford F-150 XL Regular Cab 2WD insurance rates range from the cheapest price of $410 for liability-only coverage to a high of $2,262 for a driver who has had serious violations or accidents.

Liability Only $410
Full Coverage $1,060
High Risk $2,262

These price differences illustrate why it is important for drivers to compare prices for a specific zip code and their own driving history, rather than relying on average rates.

Use the form below to get rates for your location.

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Car insurance rates for a Ford F-150 XL Regular Cab 2WD also range considerably based on liability limits and deductibles, your risk profile, and the actual cash value of your F-150.

Using high physical damage deductibles could cut rates by as much as $380 each year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $312 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 126% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Ford F-150 XL Regular Cab 2WD insurance rates. A driver around age 40 might see rates 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.

Because rates have so much variability, the only way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

Ford F-150 XL Regular Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 XL Regular Cab 2WD insurance prices range from $635 to $3,994 for full coverage

The chart estimates Ford F-150 XL Regular Cab 2WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $635. Drivers who use higher $1,000 deductibles will pay $934. The average rate for a driver age 40 with no violations using $500 deductibles is $1,060. Choosing low $100 deductibles for physical damage coverage could cost up to $1,306. Drivers with multiple violations and accidents could be charged around $2,262. The cost for full coverage for a 16-year-old driver can be as high as $3,994.

Ford F-150 XL Regular Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,018-$42-4.0%
Alaska$870-$190-17.9%
Arizona$1,064$40.4%
Arkansas$1,074$141.3%
California$1,190$13012.3%
Colorado$1,100$403.8%
Connecticut$1,386$32630.8%
Delaware$1,290$23021.7%
Florida$1,430$37034.9%
Georgia$1,052-$8-0.8%
Hawaii$1,144$847.9%
Idaho$736-$324-30.6%
Illinois$788-$272-25.7%
Indiana$754-$306-28.9%
Iowa$798-$262-24.7%
Kansas$974-$86-8.1%
Kentucky$1,374$31429.6%
Louisiana$1,716$65661.9%
Maine$726-$334-31.5%
Maryland$1,090$302.8%
Massachusetts$934-$126-11.9%
Michigan$1,948$88883.8%
Minnesota$930-$130-12.3%
Mississippi$1,038-$22-2.1%
Missouri$904-$156-14.7%
Montana$962-$98-9.2%
Nebraska$872-$188-17.7%
Nevada$1,368$30829.1%
New Hampshire$864-$196-18.5%
New Jersey$1,056-$4-0.4%
New Mexico$982-$78-7.4%
New York$1,378$31830.0%
North Carolina$752-$308-29.1%
North Dakota$1,030-$30-2.8%
Ohio$746-$314-29.6%
Oklahoma$1,286$22621.3%
Oregon$994-$66-6.2%
Pennsylvania$1,192$13212.5%
Rhode Island$1,286$22621.3%
South Carolina$988-$72-6.8%
South Dakota$828-$232-21.9%
Tennessee$952-$108-10.2%
Texas$1,018-$42-4.0%
Utah$938-$122-11.5%
Vermont$752-$308-29.1%
Virginia$762-$298-28.1%
Washington$934-$126-11.9%
West Virginia$1,078$181.7%
Wisconsin$1,082$222.1%
Wyoming$1,172$11210.6%

View Chart as Image

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

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Rates by Driver Age

Ford F-150 XL Regular Cab 2WD Insurance Rates by Driver Age
Driver AgePremium
16$3,994
20$2,410
30$1,098
40$1,060
50$968
60$950

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XL Regular Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,306
$250$1,194
$500$1,060
$1,000$934

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XL Regular Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,060
50/100$1,129
100/300$1,216
250/500$1,441
100 CSL$1,164
300 CSL$1,354
500 CSL$1,493

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XL Regular Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$5,654
20$3,814
30$2,300
40$2,262
50$2,156
60$2,130

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 $139

Potential Rate Discounts

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

DiscountSavings
Multi-policy$54
Multi-vehicle$53
Homeowner$16
5-yr Accident Free$71
5-yr Claim Free$66
Paid in Full/EFT$44
Advance Quote$48
Online Quote$73
Total Discounts$425
Rate after discounts $635

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

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