Ford F-150 XLT Crew Cab 4WD Insurance Rates
Estimated insurance rates for a Ford F-150 XLT Crew Cab 4WD are $1,370 a year for full coverage. Comprehensive costs an estimated $340, collision insurance costs $508, and liability costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,926. Teen drivers pay the most at up to $4,970 a year.
Annual premium for full coverage: $1,370
Premium estimates broken down by type of insurance:
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 driver in their 40's, insurance rates for a Ford F-150 XLT Crew Cab 4WD range from the low end price of $430 for liability-only coverage to a much higher rate of $2,926 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on price averages.
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Recommended Companies for Cheap Ford F-150 XLT Crew Cab 4WD Insurance
Insurance rates for a Ford F-150 XLT Crew Cab 4WD also have a wide range based on the model year, how you drive, and liability limits and deductibles.
If you have a few violations or you caused an accident, you could be paying $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can cost from 44% to 131% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age
Where you choose to live makes a big difference in Ford F-150 XLT Crew Cab 4WD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.
Choosing high deductibles could save up to $570 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit
With such a large range of prices, the only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Every company uses a different rate calculation, so the rates will be substantially different.
Chart shows Ford F-150 XLT Crew Cab 4WD insurance prices for various risks and coverage choices. The cheapest discount price is $800. Drivers who choose higher $1,000 deductibles will pay $1,176. The average price for a driver around age 40 using $500 deductibles is $1,370. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,740. High risk drivers could be charged up to $2,926. The price for full coverage insurance for a teenage driver is $4,970.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$98|
|5-yr Claim Free||$87|
|Paid in Full/EFT||$62|
Discounts are estimated and may not be available from every company or in every state.