Ford F-150 XLT Super Cab 2WD Insurance Rates
Average insurance prices for a Ford F-150 XLT Super Cab 2WD are $1,220 every 12 months including full coverage. Comprehensive costs on average $284, collision costs $414, and liability costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $2,602. Teenage drivers receive the highest rates at $4,516 a year or more.
Annual premium for full coverage: $1,220
Rate estimates 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
Using a middle-aged driver as an example, prices go from the cheapest price of $430 for the bare minimum liability coverage to a much higher rate of $2,602 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities.
The price range example below illustrates how where you live affects car insurance rates.
These differences highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.
Use the form below to get rates for your location.
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Auto insurance rates for a Ford F-150 XLT Super Cab 2WD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year of your F-150.
Using high physical damage deductibles could cut rates by as much as $470 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can be from 42% to 128% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Ford F-150 XLT Super Cab 2WD insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.
With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
The chart above shows average Ford F-150 XLT Super Cab 2WD insurance rates for different coverage choices and risks. The cheapest discount rate is $722. Drivers who use higher $1,000 deductibles will pay $1,060. The average rate for a 40-year-old male driver using $500 deductibles is $1,220. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,524. Drivers with multiple violations and accidents could be charged as much as $2,602. The price for full coverage insurance for a teen driver can be as high as $4,516.
|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||$84|
|5-yr Claim Free||$76|
|Paid in Full/EFT||$53|
Discounts are estimated and may not be available from every company or in every state.