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:
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.
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.
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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Recommended Companies for Cheap Ford F-150 XLT Regular Cab 2WD Insurance
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.
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.
|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||$80|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$50|
Discounts are estimated and may not be available from every company or in every state.