Ford F-150 FX4 4WD Insurance Rates

Average auto insurance rates for a Ford F-150 FX4 4WD are $1,416 annually for full coverage. Comprehensive insurance costs approximately $354 a year, collision insurance costs $540, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $3,028 or more. Teen drivers receive the highest rates at up to $5,112 a year.

Annual premium for full coverage: $1,416

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

These differences show why it is important for drivers to compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Ford F-150 FX4 4WD can also vary considerably based on the model year of your F-150, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $600 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford F-150 FX4 4WD insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in prices, the only way to know which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

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Chart shows Ford F-150 FX4 4WD insurance prices for various situations. The lowest price with discounts is $824. Drivers who choose higher $1,000 deductibles will pay about $1,214. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,416. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,808. High risk drivers could be charged as much as $3,028. The cost for full coverage for a teenager can be as high as $5,112.

View Chart as Image