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  4. XL Regular Cab 4WD

Ford F-150 XL Regular Cab 4WD Insurance Rates

Estimated insurance rates for a Ford F-150 XL Regular Cab 4WD are $1,234 a year including full coverage. Comprehensive insurance costs around $298 each year, collision insurance costs $414, and liability costs $364. A policy with only liability insurance costs as little as $430 a year, and a high-risk policy costs $2,624 or more. Teen drivers pay the most at up to $4,536 a year.

Annual premium for full coverage: $1,234

Premium estimates for individual coverage:

Comprehensive $298
Collision $414
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 the average 40-year-old driver, insurance rates for a Ford F-150 XL Regular Cab 4WD range from as low as $430 for just liability insurance to a high rate of $2,624 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,234
High Risk $2,624

These rate differences highlight why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

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 4WD also have a wide range based on your driving characteristics, the replacement cost of your F-150, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers will be charged as much as $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in Ford F-150 XL Regular Cab 4WD insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $480 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 127% more than average. View High Risk Driver Rates

With such a large range of rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.

View Chart as Image

Ford F-150 XL Regular Cab 4WD insurance cost comparison chart
Column chart showing Ford F-150 XL Regular Cab 4WD insurance prices range from $732 to $4,536 for full coverage

The chart above shows average Ford F-150 XL Regular Cab 4WD insurance rates for various risk profiles and scenarios. The cheapest discount rate is $732. Drivers who choose higher $1,000 deductibles will pay around $1,072. The average rate for a driver age 40 with no violations using $500 deductibles is $1,234. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,544. High risk drivers could be charged up to $2,624. The policy rate for full coverage for a 16-year-old driver is $4,536.

Ford F-150 XL Regular Cab 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,116-$118-9.6%
Alaska$946-$288-23.3%
Arizona$1,026-$208-16.9%
Arkansas$1,234-$00.0%
California$1,406$17213.9%
Colorado$1,180-$54-4.4%
Connecticut$1,268$342.8%
Delaware$1,398$16413.3%
Florida$1,544$31025.1%
Georgia$1,140-$94-7.6%
Hawaii$886-$348-28.2%
Idaho$834-$400-32.4%
Illinois$918-$316-25.6%
Indiana$930-$304-24.6%
Iowa$834-$400-32.4%
Kansas$1,174-$60-4.9%
Kentucky$1,684$45036.5%
Louisiana$1,826$59248.0%
Maine$760-$474-38.4%
Maryland$1,018-$216-17.5%
Massachusetts$986-$248-20.1%
Michigan$2,144$91073.7%
Minnesota$1,032-$202-16.4%
Mississippi$1,480$24619.9%
Missouri$1,094-$140-11.3%
Montana$1,326$927.5%
Nebraska$974-$260-21.1%
Nevada$1,480$24619.9%
New Hampshire$890-$344-27.9%
New Jersey$1,380$14611.8%
New Mexico$1,092-$142-11.5%
New York$1,300$665.3%
North Carolina$712-$522-42.3%
North Dakota$1,010-$224-18.2%
Ohio$852-$382-31.0%
Oklahoma$1,268$342.8%
Oregon$1,130-$104-8.4%
Pennsylvania$1,176-$58-4.7%
Rhode Island$1,646$41233.4%
South Carolina$1,118-$116-9.4%
South Dakota$1,040-$194-15.7%
Tennessee$1,082-$152-12.3%
Texas$1,488$25420.6%
Utah$916-$318-25.8%
Vermont$844-$390-31.6%
Virginia$740-$494-40.0%
Washington$954-$280-22.7%
West Virginia$1,132-$102-8.3%
Wisconsin$854-$380-30.8%
Wyoming$1,100-$134-10.9%

View Chart as Image

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

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Rates by Driver Age

Ford F-150 XL Regular Cab 4WD Insurance Rates by Driver Age
Driver AgePremium
16$4,536
20$2,788
30$1,284
40$1,234
50$1,124
60$1,100

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XL Regular Cab 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,544
$250$1,402
$500$1,234
$1,000$1,072

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XL Regular Cab 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,234
50/100$1,307
100/300$1,398
250/500$1,634
100 CSL$1,343
300 CSL$1,543
500 CSL$1,689

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XL Regular Cab 4WD Insurance Rates for High Risk Drivers
AgePremium
16$6,444
20$4,416
30$2,680
40$2,624
50$2,502
60$2,474

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 $161

Potential Rate Discounts

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

DiscountSavings
Multi-policy$65
Multi-vehicle$61
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$502
Rate after discounts $732

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

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