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  4. XLT Crew Cab 2WD

Ford F-150 XLT Crew Cab 2WD Insurance Rates

Average insurance rates for a Ford F-150 XLT Crew Cab 2WD are $1,204 a year for full coverage insurance. Comprehensive insurance costs an estimated $284, collision insurance costs $422, and liability costs $346. Liability-only coverage costs as little as $410 a year, and high-risk coverage costs $2,568 or more. Teenage drivers receive the highest rates at up to $4,426 a year.

Annual premium for full coverage: $1,204

Rate estimates broken down by type of insurance:

Comprehensive $284
Collision $422
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

Using a 40-year-old driver as an example, prices range from as low as $410 for the bare minimum liability coverage to a much higher rate of $2,568 for a policy for a high-risk driver.

Liability Only $410
Full Coverage $1,204
High Risk $2,568

These differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using average 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 $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,400 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 $1,170 a year in states like , , and North Carolina, or be forced to pay as much as $1,670 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 $470 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 $312 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 $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% 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 $710 to $4,426 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 $710. Drivers who use higher $1,000 deductibles will pay around $1,044. The average rate for a driver around age 40 using $500 deductibles is $1,204. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,512. Drivers with multiple violations and accidents could be charged as much as $2,568. The price for full coverage for a teenage driver is $4,426.

Ford F-150 XLT Crew Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,154-$50-4.2%
Alaska$986-$218-18.1%
Arizona$1,206$20.2%
Arkansas$1,218$141.2%
California$1,348$14412.0%
Colorado$1,248$443.7%
Connecticut$1,574$37030.7%
Delaware$1,462$25821.4%
Florida$1,622$41834.7%
Georgia$1,194-$10-0.8%
Hawaii$1,298$947.8%
Idaho$836-$368-30.6%
Illinois$892-$312-25.9%
Indiana$856-$348-28.9%
Iowa$906-$298-24.8%
Kansas$1,104-$100-8.3%
Kentucky$1,558$35429.4%
Louisiana$1,950$74662.0%
Maine$824-$380-31.6%
Maryland$1,236$322.7%
Massachusetts$1,058-$146-12.1%
Michigan$2,212$1,00883.7%
Minnesota$1,058-$146-12.1%
Mississippi$1,178-$26-2.2%
Missouri$1,024-$180-15.0%
Montana$1,090-$114-9.5%
Nebraska$990-$214-17.8%
Nevada$1,552$34828.9%
New Hampshire$982-$222-18.4%
New Jersey$1,198-$6-0.5%
New Mexico$1,116-$88-7.3%
New York$1,566$36230.1%
North Carolina$854-$350-29.1%
North Dakota$1,170-$34-2.8%
Ohio$848-$356-29.6%
Oklahoma$1,462$25821.4%
Oregon$1,128-$76-6.3%
Pennsylvania$1,354$15012.5%
Rhode Island$1,458$25421.1%
South Carolina$1,120-$84-7.0%
South Dakota$942-$262-21.8%
Tennessee$1,080-$124-10.3%
Texas$1,156-$48-4.0%
Utah$1,066-$138-11.5%
Vermont$856-$348-28.9%
Virginia$864-$340-28.2%
Washington$1,058-$146-12.1%
West Virginia$1,224$201.7%
Wisconsin$1,228$242.0%
Wyoming$1,330$12610.5%

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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 AgePremium
16$4,426
20$2,732
30$1,254
40$1,204
50$1,096
60$1,074

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XLT Crew Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,512
$250$1,370
$500$1,204
$1,000$1,044

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XLT Crew Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,204
50/100$1,273
100/300$1,360
250/500$1,585
100 CSL$1,308
300 CSL$1,498
500 CSL$1,637

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XLT Crew Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,292
20$4,328
30$2,624
40$2,568
50$2,448
60$2,420

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 $159

Potential Rate Discounts

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

DiscountSavings
Multi-policy$63
Multi-vehicle$60
Homeowner$17
5-yr Accident Free$84
5-yr Claim Free$76
Paid in Full/EFT$53
Advance Quote$57
Online Quote$84
Total Discounts$494
Rate after discounts $710

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

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