Ford F-150 XL Regular Cab 4WD Insurance Rates

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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
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,116 -$118 -9.6%
Alaska $946 -$288 -23.3%
Arizona $1,026 -$208 -16.9%
Arkansas $1,234 -$0 0.0%
California $1,406 $172 13.9%
Colorado $1,180 -$54 -4.4%
Connecticut $1,268 $34 2.8%
Delaware $1,398 $164 13.3%
Florida $1,544 $310 25.1%
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 $450 36.5%
Louisiana $1,826 $592 48.0%
Maine $760 -$474 -38.4%
Maryland $1,018 -$216 -17.5%
Massachusetts $986 -$248 -20.1%
Michigan $2,144 $910 73.7%
Minnesota $1,032 -$202 -16.4%
Mississippi $1,480 $246 19.9%
Missouri $1,094 -$140 -11.3%
Montana $1,326 $92 7.5%
Nebraska $974 -$260 -21.1%
Nevada $1,480 $246 19.9%
New Hampshire $890 -$344 -27.9%
New Jersey $1,380 $146 11.8%
New Mexico $1,092 -$142 -11.5%
New York $1,300 $66 5.3%
North Carolina $712 -$522 -42.3%
North Dakota $1,010 -$224 -18.2%
Ohio $852 -$382 -31.0%
Oklahoma $1,268 $34 2.8%
Oregon $1,130 -$104 -8.4%
Pennsylvania $1,176 -$58 -4.7%
Rhode Island $1,646 $412 33.4%
South Carolina $1,118 -$116 -9.4%
South Dakota $1,040 -$194 -15.7%
Tennessee $1,082 -$152 -12.3%
Texas $1,488 $254 20.6%
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 Age Premium
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
Deductible Premium
$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 Limit Premium
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
Age Premium
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.

Discount Savings
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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