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  4. XL Super Cab 4WD

Ford F-150 XL Super Cab 4WD Insurance Rates

U.S. average auto insurance rates for a Ford F-150 XL Super Cab 4WD are $1,186 annually for full coverage insurance. Comprehensive insurance costs around $296, collision insurance costs $392, and liability costs around $346. Liability-only insurance costs as low as $410 a year, and high-risk driver insurance costs $2,518 or more. Teen drivers pay the highest rates at up to $4,328 a year.

Annual premium for full coverage: $1,186

Price estimates for type of insurance:

Comprehensive $296
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 a 40-year-old driver, Ford F-150 XL Super Cab 4WD insurance prices range from as cheap as $410 for a discount liability-only rate to a much higher rate of $2,518 for high-risk insurance.

Liability Only $410
Full Coverage $1,186
High Risk $2,518

These price ranges illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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Car insurance rates for a Ford F-150 XL Super Cab 4WD are also quite variable based on the actual cash value of your F-150, your risk profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can be from 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $460 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $312 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford F-150 XL Super Cab 4WD insurance prices. A driver around age 40 might see prices as low as $1,170 a year in states like North Carolina, , and , or as much as $1,670 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to figure out your exact price is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

View Chart as Image

Ford F-150 XL Super Cab 4WD insurance cost comparison chart
Column chart showing Ford F-150 XL Super Cab 4WD insurance prices range from $705 to $4,328 for full coverage

The chart estimates Ford F-150 XL Super Cab 4WD insurance prices for various situations. The cheapest discount price is $705. Drivers who choose higher $1,000 deductibles will pay about $1,030. The average price for a driver age 40 with no violations using $500 deductibles is $1,186. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,484. High risk drivers could be charged at least $2,518. The price for full coverage for a 16-year-old driver can be as high as $4,328.

Ford F-150 XL Super Cab 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,140-$46-3.9%
Alaska$974-$212-17.9%
Arizona$1,190$40.3%
Arkansas$1,202$161.3%
California$1,332$14612.3%
Colorado$1,230$443.7%
Connecticut$1,552$36630.9%
Delaware$1,442$25621.6%
Florida$1,600$41434.9%
Georgia$1,176-$10-0.8%
Hawaii$1,280$947.9%
Idaho$824-$362-30.5%
Illinois$880-$306-25.8%
Indiana$844-$342-28.8%
Iowa$892-$294-24.8%
Kansas$1,088-$98-8.3%
Kentucky$1,538$35229.7%
Louisiana$1,922$73662.1%
Maine$812-$374-31.5%
Maryland$1,220$342.9%
Massachusetts$1,044-$142-12.0%
Michigan$2,180$99483.8%
Minnesota$1,040-$146-12.3%
Mississippi$1,160-$26-2.2%
Missouri$1,012-$174-14.7%
Montana$1,076-$110-9.3%
Nebraska$976-$210-17.7%
Nevada$1,532$34629.2%
New Hampshire$968-$218-18.4%
New Jersey$1,182-$4-0.3%
New Mexico$1,100-$86-7.3%
New York$1,544$35830.2%
North Carolina$840-$346-29.2%
North Dakota$1,154-$32-2.7%
Ohio$836-$350-29.5%
Oklahoma$1,442$25621.6%
Oregon$1,112-$74-6.2%
Pennsylvania$1,334$14812.5%
Rhode Island$1,438$25221.2%
South Carolina$1,104-$82-6.9%
South Dakota$928-$258-21.8%
Tennessee$1,064-$122-10.3%
Texas$1,140-$46-3.9%
Utah$1,050-$136-11.5%
Vermont$844-$342-28.8%
Virginia$852-$334-28.2%
Washington$1,044-$142-12.0%
West Virginia$1,208$221.9%
Wisconsin$1,208$221.9%
Wyoming$1,310$12410.5%

View Chart as Image

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

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Rates by Driver Age

Ford F-150 XL Super Cab 4WD Insurance Rates by Driver Age
Driver AgePremium
16$4,328
20$2,666
30$1,234
40$1,186
50$1,078
60$1,058

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XL Super Cab 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,484
$250$1,350
$500$1,186
$1,000$1,030

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XL Super Cab 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,186
50/100$1,255
100/300$1,342
250/500$1,567
100 CSL$1,290
300 CSL$1,480
500 CSL$1,619

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XL Super Cab 4WD Insurance Rates for High Risk Drivers
AgePremium
16$6,146
20$4,220
30$2,570
40$2,518
50$2,394
60$2,366

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$62
Multi-vehicle$58
Homeowner$17
5-yr Accident Free$81
5-yr Claim Free$74
Paid in Full/EFT$51
Advance Quote$55
Online Quote$83
Total Discounts$481
Rate after discounts $705

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

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