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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 $1,174 a year including full coverage. Comprehensive insurance costs around $284 each year, collision insurance costs $392, and liability costs $346. A policy with only liability insurance costs as little as $410 a year, and a high-risk policy costs $2,496 or more. Teen drivers pay the most at up to $4,308 a year.

Annual premium for full coverage: $1,174

Premium estimates for individual coverage:

Comprehensive $284
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 the average 40-year-old driver, insurance rates for a Ford F-150 XL Regular Cab 4WD range from as low as $410 for just liability insurance to a high rate of $2,496 for coverage for higher-risk drivers.

Liability Only $410
Full Coverage $1,174
High Risk $2,496

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.

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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 $4,300 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 $1,050 a year in states like , Indiana, and North Carolina, or as much as $1,890 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 $450 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost up to $312 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 $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% 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 $699 to $4,308 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 $699. Drivers who choose higher $1,000 deductibles will pay around $1,020. The average rate for a driver age 40 with no violations using $500 deductibles is $1,174. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,466. High risk drivers could be charged up to $2,496. The policy rate for full coverage for a 16-year-old driver is $4,308.

Ford F-150 XL Regular Cab 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,126-$48-4.1%
Alaska$962-$212-18.1%
Arizona$1,176$20.2%
Arkansas$1,188$141.2%
California$1,316$14212.1%
Colorado$1,216$423.6%
Connecticut$1,534$36030.7%
Delaware$1,426$25221.5%
Florida$1,582$40834.8%
Georgia$1,164-$10-0.9%
Hawaii$1,266$927.8%
Idaho$816-$358-30.5%
Illinois$870-$304-25.9%
Indiana$834-$340-29.0%
Iowa$882-$292-24.9%
Kansas$1,076-$98-8.3%
Kentucky$1,520$34629.5%
Louisiana$1,900$72661.8%
Maine$802-$372-31.7%
Maryland$1,206$322.7%
Massachusetts$1,032-$142-12.1%
Michigan$2,156$98283.6%
Minnesota$1,030-$144-12.3%
Mississippi$1,148-$26-2.2%
Missouri$1,000-$174-14.8%
Montana$1,064-$110-9.4%
Nebraska$966-$208-17.7%
Nevada$1,514$34029.0%
New Hampshire$958-$216-18.4%
New Jersey$1,168-$6-0.5%
New Mexico$1,088-$86-7.3%
New York$1,528$35430.2%
North Carolina$832-$342-29.1%
North Dakota$1,140-$34-2.9%
Ohio$826-$348-29.6%
Oklahoma$1,426$25221.5%
Oregon$1,100-$74-6.3%
Pennsylvania$1,320$14612.4%
Rhode Island$1,422$24821.1%
South Carolina$1,092-$82-7.0%
South Dakota$918-$256-21.8%
Tennessee$1,052-$122-10.4%
Texas$1,128-$46-3.9%
Utah$1,038-$136-11.6%
Vermont$834-$340-29.0%
Virginia$842-$332-28.3%
Washington$1,032-$142-12.1%
West Virginia$1,194$201.7%
Wisconsin$1,196$221.9%
Wyoming$1,296$12210.4%

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$4,308
20$2,648
30$1,220
40$1,174
50$1,068
60$1,046

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XL Regular Cab 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,466
$250$1,332
$500$1,174
$1,000$1,020

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$1,174
50/100$1,243
100/300$1,330
250/500$1,555
100 CSL$1,278
300 CSL$1,468
500 CSL$1,607

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$6,118
20$4,194
30$2,546
40$2,496
50$2,376
60$2,348

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$61
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$82
Total Discounts$475
Rate after discounts $699

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

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