Ford F-150 Lariat Crew Cab 4WD Insurance Rates

U.S. average insurance rates for a Ford F-150 Lariat Crew Cab 4WD are $1,416 a year including full coverage. Comprehensive insurance costs approximately $354 a year, collision insurance costs $540, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs $3,028 or more. Teenage drivers pay the highest rates at up to $5,112 a year.

Annual premium for full coverage: $1,416

Price 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 price ranges highlight why it is important for drivers to compare rates using their specific location, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Ford F-150 Lariat Crew Cab 4WD are also quite variable based on the model year of your F-150, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 127% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in makes a big difference in Ford F-150 Lariat Crew Cab 4WD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $600 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and quoted rates may be quite different.

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The chart above shows average Ford F-150 Lariat Crew Cab 4WD insurance prices for various risks and coverage choices. The lowest price with discounts is $824. Drivers who use higher $1,000 deductibles will pay $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 collision and other-than-collision coverage can cost as much as $1,808. Drivers with multiple violations and accidents could be charged at least $3,028. The cost for full coverage for a teenager is $5,112.

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