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

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.

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

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.

View Chart as Image