Ford F-150 XLT Regular Cab 4WD Insurance Rates

Estimated insurance prices for a Ford F-150 XLT Regular Cab 4WD are $1,248 every 12 months with full coverage. Comprehensive costs approximately $312 a year, collision insurance costs $414, and liability coverage costs $364. A liability-only policy costs as little as $430 a year, and high-risk insurance costs around $2,646. Teen drivers pay the most at up to $4,558 a year.

Annual premium for full coverage: $1,248

Premium 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

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.

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.

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 $480 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 $327 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 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 $4,500 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 $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 126% 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 $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 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

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 $743. Drivers who choose higher $1,000 deductibles will pay $1,082. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,248. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,562. High risk drivers could be charged up to $2,646. The cost for full coverage insurance for a teenager is $4,558.

View Chart as Image