Ford F-150 XLT Crew Cab 2WD Insurance Rates

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Average insurance rates for a Ford F-150 XLT Crew Cab 2WD are $1,266 a year for full coverage insurance. Comprehensive insurance costs an estimated $298, collision insurance costs $446, and liability costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs $2,702 or more. Teenage drivers receive the highest rates at up to $4,658 a year.

Annual premium for full coverage: $1,266

Rate estimates broken down by type of insurance:

Comprehensive $298
Collision $446
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

Using a 40-year-old driver as an example, prices range from as low as $430 for the bare minimum liability coverage to a much higher rate of $2,702 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,266
High Risk $2,702

These differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Car insurance rates for a Ford F-150 XLT Crew Cab 2WD can also vary considerably based on your driver profile, the model year, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford F-150 XLT Crew Cab 2WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $500 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

View Chart as Image

Ford F-150 XLT Crew Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 XLT Crew Cab 2WD insurance prices range from $745 to $4,658 for full coverage

The chart estimates Ford F-150 XLT Crew Cab 2WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $745. Drivers who use higher $1,000 deductibles will pay around $1,098. The average rate for a driver around age 40 using $500 deductibles is $1,266. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,590. Drivers with multiple violations and accidents could be charged as much as $2,702. The price for full coverage for a teenage driver is $4,658.

Ford F-150 XLT Crew Cab 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,144 -$122 -9.6%
Alaska $972 -$294 -23.2%
Arizona $1,052 -$214 -16.9%
Arkansas $1,266 -$0 0.0%
California $1,442 $176 13.9%
Colorado $1,210 -$56 -4.4%
Connecticut $1,302 $36 2.8%
Delaware $1,434 $168 13.3%
Florida $1,584 $318 25.1%
Georgia $1,170 -$96 -7.6%
Hawaii $910 -$356 -28.1%
Idaho $856 -$410 -32.4%
Illinois $942 -$324 -25.6%
Indiana $954 -$312 -24.6%
Iowa $854 -$412 -32.5%
Kansas $1,204 -$62 -4.9%
Kentucky $1,728 $462 36.5%
Louisiana $1,872 $606 47.9%
Maine $780 -$486 -38.4%
Maryland $1,044 -$222 -17.5%
Massachusetts $1,012 -$254 -20.1%
Michigan $2,198 $932 73.6%
Minnesota $1,058 -$208 -16.4%
Mississippi $1,518 $252 19.9%
Missouri $1,124 -$142 -11.2%
Montana $1,360 $94 7.4%
Nebraska $998 -$268 -21.2%
Nevada $1,518 $252 19.9%
New Hampshire $912 -$354 -28.0%
New Jersey $1,416 $150 11.8%
New Mexico $1,120 -$146 -11.5%
New York $1,332 $66 5.2%
North Carolina $730 -$536 -42.3%
North Dakota $1,036 -$230 -18.2%
Ohio $874 -$392 -31.0%
Oklahoma $1,300 $34 2.7%
Oregon $1,160 -$106 -8.4%
Pennsylvania $1,206 -$60 -4.7%
Rhode Island $1,688 $422 33.3%
South Carolina $1,148 -$118 -9.3%
South Dakota $1,068 -$198 -15.6%
Tennessee $1,110 -$156 -12.3%
Texas $1,526 $260 20.5%
Utah $940 -$326 -25.8%
Vermont $866 -$400 -31.6%
Virginia $758 -$508 -40.1%
Washington $978 -$288 -22.7%
West Virginia $1,160 -$106 -8.4%
Wisconsin $876 -$390 -30.8%
Wyoming $1,128 -$138 -10.9%

View Chart as Image

Ford F-150 XLT Crew Cab 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-150 XLT Crew Cab 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,658
20 $2,876
30 $1,318
40 $1,266
50 $1,154
60 $1,130

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XLT Crew Cab 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,590
$250 $1,442
$500 $1,266
$1,000 $1,098

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XLT Crew Cab 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,266
50/100 $1,339
100/300 $1,430
250/500 $1,666
100 CSL $1,375
300 CSL $1,575
500 CSL $1,721

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XLT Crew Cab 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,626
20 $4,558
30 $2,760
40 $2,702
50 $2,578
60 $2,550

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 $168

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $89
5-yr Claim Free $80
Paid in Full/EFT $56
Advance Quote $60
Online Quote $89
Total Discounts $521
Rate after discounts $745

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

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