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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:

Comprehensive $284
Collision $414
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 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.

Liability Only $430
Full Coverage $1,220
High Risk $2,602

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.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

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.

View Chart as Image

Ford F-150 XLT Super Cab 2WD insurance cost comparison chart
Column chart showing Ford F-150 XLT Super Cab 2WD insurance prices range from $722 to $4,516 for full coverage

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.

Ford F-150 XLT Super Cab 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,104-$116-9.5%
Alaska$934-$286-23.4%
Arizona$1,014-$206-16.9%
Arkansas$1,220-$00.0%
California$1,390$17013.9%
Colorado$1,166-$54-4.4%
Connecticut$1,254$342.8%
Delaware$1,382$16213.3%
Florida$1,526$30625.1%
Georgia$1,128-$92-7.5%
Hawaii$876-$344-28.2%
Idaho$824-$396-32.5%
Illinois$908-$312-25.6%
Indiana$918-$302-24.8%
Iowa$824-$396-32.5%
Kansas$1,160-$60-4.9%
Kentucky$1,664$44436.4%
Louisiana$1,806$58648.0%
Maine$752-$468-38.4%
Maryland$1,008-$212-17.4%
Massachusetts$976-$244-20.0%
Michigan$2,120$90073.8%
Minnesota$1,020-$200-16.4%
Mississippi$1,464$24420.0%
Missouri$1,080-$140-11.5%
Montana$1,310$907.4%
Nebraska$962-$258-21.1%
Nevada$1,464$24420.0%
New Hampshire$880-$340-27.9%
New Jersey$1,364$14411.8%
New Mexico$1,080-$140-11.5%
New York$1,286$665.4%
North Carolina$704-$516-42.3%
North Dakota$1,000-$220-18.0%
Ohio$842-$378-31.0%
Oklahoma$1,254$342.8%
Oregon$1,118-$102-8.4%
Pennsylvania$1,164-$56-4.6%
Rhode Island$1,628$40833.4%
South Carolina$1,106-$114-9.3%
South Dakota$1,028-$192-15.7%
Tennessee$1,070-$150-12.3%
Texas$1,472$25220.7%
Utah$904-$316-25.9%
Vermont$834-$386-31.6%
Virginia$730-$490-40.2%
Washington$944-$276-22.6%
West Virginia$1,120-$100-8.2%
Wisconsin$846-$374-30.7%
Wyoming$1,088-$132-10.8%

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

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Rates by Driver Age

Ford F-150 XLT Super Cab 2WD Insurance Rates by Driver Age
Driver AgePremium
16$4,516
20$2,768
30$1,270
40$1,220
50$1,112
60$1,090

Full coverage, $500 deductibles

Rates by Deductible

Ford F-150 XLT Super Cab 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,524
$250$1,384
$500$1,220
$1,000$1,060

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 XLT Super Cab 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,220
50/100$1,293
100/300$1,384
250/500$1,620
100 CSL$1,329
300 CSL$1,529
500 CSL$1,675

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-150 XLT Super Cab 2WD Insurance Rates for High Risk Drivers
AgePremium
16$6,412
20$4,388
30$2,656
40$2,602
50$2,480
60$2,456

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 $161

Potential Rate Discounts

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

DiscountSavings
Multi-policy$64
Multi-vehicle$61
Homeowner$18
5-yr Accident Free$84
5-yr Claim Free$76
Paid in Full/EFT$53
Advance Quote$57
Online Quote$85
Total Discounts$498
Rate after discounts $722

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

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