Ford F-150 FX2 2WD Insurance Rates

The average insurance rates for a Ford F-150 FX2 2WD are $1,356 a year with full coverage. Comprehensive insurance costs approximately $326 each year, collision costs $508, and liability costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing $2,904 or more. Teen drivers cost the most to insure at $4,948 a year or more.

Annual premium for full coverage: $1,356

Policy rates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford F-150 Trim Level

These price differences demonstrate why all drivers should compare rates using their specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Insurance rates for a Ford F-150 FX2 2WD also range considerably based on your risk profile, the actual cash value of your F-150, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state makes a big difference in Ford F-150 FX2 2WD insurance prices. 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.

Choosing high deductibles could save up to $560 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which company is cheapest is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

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The chart above shows Ford F-150 FX2 2WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $791. Drivers who choose higher $1,000 deductibles will pay around $1,166. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,356. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,722. High risk drivers could be charged around $2,904. The policy rate for full coverage for a teenager is $4,948.

View Chart as Image