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Ford F-150 XLT Regular Cab 4WD Insurance Rates

Estimated insurance prices for a Ford F-150 XLT Regular Cab 4WD are $1,186 every 12 months with full coverage. Comprehensive costs approximately $296 a year, collision insurance costs $392, and liability coverage costs $346. A liability-only policy costs as little as $410 a year, and high-risk insurance costs around $2,518. Teen drivers pay the most at up to $4,328 a year.

Annual premium for full coverage: $1,186

Premium estimates by individual coverage type:

Comprehensive $296
Collision $392
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

For the average 40-year-old driver, insurance rates for a Ford F-150 XLT Regular Cab 4WD range from the cheapest price of $410 for just liability coverage to a high of $2,518 for coverage for higher-risk drivers.

Liability Only $410
Full Coverage $1,186
High Risk $2,518

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

These rate differences demonstrate why it is important for drivers to compare rates using their specific location and their own driving history, rather than using price averages.

Use the form below to get rates for your location.

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Auto insurance rates for a Ford F-150 XLT Regular Cab 4WD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the replacement cost of your F-150.

Choosing high deductibles could save up to $460 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $312 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 132% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Ford F-150 XLT Regular Cab 4WD insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Ohio, and Indiana, or as much as $1,620 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, and quoted rates will be substantially different.

View Chart as Image

Ford F-150 XLT Regular Cab 4WD insurance cost comparison chart
Column chart showing Ford F-150 XLT Regular Cab 4WD insurance prices range from $705 to $4,328 for full coverage

The chart above shows Ford F-150 XLT Regular Cab 4WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $705. Drivers who choose higher $1,000 deductibles will pay $1,030. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,186. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,484. High risk drivers could be charged up to $2,518. The cost for full coverage insurance for a teenager is $4,328.

Ford F-150 XLT Regular Cab 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,140-$46-3.9%
Alaska$974-$212-17.9%
Arizona$1,190$40.3%
Arkansas$1,202$161.3%
California$1,332$14612.3%
Colorado$1,230$443.7%
Connecticut$1,552$36630.9%
Delaware$1,442$25621.6%
Florida$1,600$41434.9%
Georgia$1,176-$10-0.8%
Hawaii$1,280$947.9%
Idaho$824-$362-30.5%
Illinois$880-$306-25.8%
Indiana$844-$342-28.8%
Iowa$892-$294-24.8%
Kansas$1,088-$98-8.3%
Kentucky$1,538$35229.7%
Louisiana$1,922$73662.1%
Maine$812-$374-31.5%
Maryland$1,220$342.9%
Massachusetts$1,044-$142-12.0%
Michigan$2,180$99483.8%
Minnesota$1,040-$146-12.3%
Mississippi$1,160-$26-2.2%
Missouri$1,012-$174-14.7%
Montana$1,076-$110-9.3%
Nebraska$976-$210-17.7%
Nevada$1,532$34629.2%
New Hampshire$968-$218-18.4%
New Jersey$1,182-$4-0.3%
New Mexico$1,100-$86-7.3%
New York$1,544$35830.2%
North Carolina$840-$346-29.2%
North Dakota$1,154-$32-2.7%
Ohio$836-$350-29.5%
Oklahoma$1,442$25621.6%
Oregon$1,112-$74-6.2%
Pennsylvania$1,334$14812.5%
Rhode Island$1,438$25221.2%
South Carolina$1,104-$82-6.9%
South Dakota$928-$258-21.8%
Tennessee$1,064-$122-10.3%
Texas$1,140-$46-3.9%
Utah$1,050-$136-11.5%
Vermont$844-$342-28.8%
Virginia$852-$334-28.2%
Washington$1,044-$142-12.0%
West Virginia$1,208$221.9%
Wisconsin$1,208$221.9%
Wyoming$1,310$12410.5%

View Chart as Image

Ford F-150 XLT Regular Cab 4WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-150 XLT Regular Cab 4WD Insurance Rates by Driver Age
Driver AgePremium
16$4,328
20$2,666
30$1,234
40$1,186
50$1,078
60$1,058

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XLT Regular Cab 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,484
$250$1,350
$500$1,186
$1,000$1,030

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XLT Regular Cab 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,186
50/100$1,255
100/300$1,342
250/500$1,567
100 CSL$1,290
300 CSL$1,480
500 CSL$1,619

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XLT Regular Cab 4WD Insurance Rates for High Risk Drivers
AgePremium
16$6,146
20$4,220
30$2,570
40$2,518
50$2,394
60$2,366

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 $153

Potential Rate Discounts

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

DiscountSavings
Multi-policy$62
Multi-vehicle$58
Homeowner$17
5-yr Accident Free$81
5-yr Claim Free$74
Paid in Full/EFT$51
Advance Quote$55
Online Quote$83
Total Discounts$481
Rate after discounts $705

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

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