Ford F-150 XL Crew Cab 4WD Insurance Rates
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Average insurance prices for a Ford F-150 XL Crew Cab 4WD are $1,294 every 12 months with full coverage. Comprehensive costs on average $326 a year, collision costs $446, and liability costs around $364. Only liability insurance costs as low as $430 a year, with high-risk insurance costing around $2,748. Teen drivers receive the highest rates at $4,700 a year or more.
Annual premium for full coverage: $1,294
Rate estimates by individual coverage type:
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 a 40-year-old driver, prices go from the cheapest price of $430 for just liability coverage to a high of $2,748 for high-risk insurance.
Price Range by Location
Where you live can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas.
The diagram below illustrates how your location can change car insurance rates.
These differences demonstrate why it is important for drivers to compare prices based on a specific location and their own driving history, instead of using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Ford F-150 XL Crew Cab 4WD Insurance
Insurance rates for a Ford F-150 XL Crew Cab 4WD can also vary considerably based on policy deductibles and limits, your driving record, and the model year of your F-150.
Choosing high deductibles could cut rates by as much as $510 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than average. View High Risk Driver Rates
Where you live has a huge impact on Ford F-150 XL Crew Cab 4WD insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.
With so much variability in rates, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly different.
The chart above shows Ford F-150 XL Crew Cab 4WD insurance rates for different coverage choices and risks. The best rate after discounts is $765. Drivers who choose higher $1,000 deductibles will pay $1,118. The average rate for a 40-year-old male driver using $500 deductibles is $1,294. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,628. High risk drivers could be charged as much as $2,748. The cost for full coverage insurance for a teen driver can be as high as $4,700.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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||$90|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$56|
Discounts are estimated and may not be available from every company or in every state.
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