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Ford F-150 XLT Regular Cab 2WD Insurance Rates

The average auto insurance rates for a Ford F-150 XLT Regular Cab 2WD are $1,174 annually including full coverage. Comprehensive costs an estimated $270, collision insurance costs $382, and liability costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $2,500. Teen drivers cost the most to insure at up to $4,370 a year.

Annual premium for full coverage: $1,174

Policy rates broken down by type of coverage:

Comprehensive $270
Collision $382
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, Ford F-150 XLT Regular Cab 2WD insurance rates range from as cheap as $430 for basic liability insurance to the much higher price of $2,500 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,174
High Risk $2,500

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

These price differences highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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Insurance prices for a Ford F-150 XLT Regular Cab 2WD also range considerably based on the model year, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $1,900 additional every year, depending on your age. Ford F-150 XLT Regular Cab 2WD insurance for high-risk drivers can be from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $440 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford F-150 XLT Regular Cab 2WD insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Because prices have so much variability, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

View Chart as Image

Ford F-150 XLT Regular Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 XLT Regular Cab 2WD insurance prices range from $699 to $4,370 for full coverage

The chart above shows average Ford F-150 XLT Regular Cab 2WD insurance prices for various situations. The cheapest discount price is $699. Drivers who choose higher $1,000 deductibles will pay about $1,026. The average price for a driver around age 40 using $500 deductibles is $1,174. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,458. High risk drivers could be charged around $2,500. The rate for full coverage insurance for a teenage driver can be as high as $4,370.

Ford F-150 XLT Regular Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,060-$114-9.7%
Alaska$900-$274-23.3%
Arizona$974-$200-17.0%
Arkansas$1,174-$00.0%
California$1,338$16414.0%
Colorado$1,122-$52-4.4%
Connecticut$1,208$342.9%
Delaware$1,330$15613.3%
Florida$1,470$29625.2%
Georgia$1,084-$90-7.7%
Hawaii$844-$330-28.1%
Idaho$794-$380-32.4%
Illinois$874-$300-25.6%
Indiana$884-$290-24.7%
Iowa$794-$380-32.4%
Kansas$1,118-$56-4.8%
Kentucky$1,602$42836.5%
Louisiana$1,740$56648.2%
Maine$726-$448-38.2%
Maryland$968-$206-17.5%
Massachusetts$940-$234-19.9%
Michigan$2,040$86673.8%
Minnesota$982-$192-16.4%
Mississippi$1,408$23419.9%
Missouri$1,040-$134-11.4%
Montana$1,262$887.5%
Nebraska$926-$248-21.1%
Nevada$1,408$23419.9%
New Hampshire$848-$326-27.8%
New Jersey$1,312$13811.8%
New Mexico$1,040-$134-11.4%
New York$1,238$645.5%
North Carolina$678-$496-42.2%
North Dakota$962-$212-18.1%
Ohio$810-$364-31.0%
Oklahoma$1,208$342.9%
Oregon$1,076-$98-8.3%
Pennsylvania$1,120-$54-4.6%
Rhode Island$1,568$39433.6%
South Carolina$1,066-$108-9.2%
South Dakota$990-$184-15.7%
Tennessee$1,030-$144-12.3%
Texas$1,416$24220.6%
Utah$870-$304-25.9%
Vermont$804-$370-31.5%
Virginia$702-$472-40.2%
Washington$908-$266-22.7%
West Virginia$1,076-$98-8.3%
Wisconsin$814-$360-30.7%
Wyoming$1,048-$126-10.7%

View Chart as Image

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

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Rates by Driver Age

Ford F-150 XLT Regular Cab 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,370
20$2,660
30$1,218
40$1,174
50$1,070
60$1,048

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XLT Regular Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,458
$250$1,330
$500$1,174
$1,000$1,026

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XLT Regular Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,174
50/100$1,247
100/300$1,338
250/500$1,574
100 CSL$1,283
300 CSL$1,483
500 CSL$1,629

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XLT Regular Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,198
20$4,216
30$2,550
40$2,500
50$2,386
60$2,362

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 $154

Potential Rate Discounts

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

DiscountSavings
Multi-policy$61
Multi-vehicle$59
Homeowner$17
5-yr Accident Free$80
5-yr Claim Free$73
Paid in Full/EFT$50
Advance Quote$54
Online Quote$81
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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