Ford F-150 Lariat Crew Cab Platinum 4WD Insurance Rates

Estimated insurance prices for a Ford F-150 Lariat Crew Cab Platinum 4WD are $1,508 every 12 months with full coverage. Comprehensive costs an estimated $382 a year, collision insurance costs $604, and liability insurance costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $3,228. Teen drivers pay the most at up to $5,404 a year.

Annual premium for full coverage: $1,508

Premium estimates broken down 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

Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why it is important for drivers to compare prices for a targeted area and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance rates for a Ford F-150 Lariat Crew Cab Platinum 4WD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year.

Choosing high deductibles could cut rates by as much as $660 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 126% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford F-150 Lariat Crew Cab Platinum 4WD insurance rates. A driver around age 40 might see rates 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 who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be substantially different.

View Chart as Image

The chart above shows Ford F-150 Lariat Crew Cab Platinum 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $869. Drivers who choose higher $1,000 deductibles will pay $1,282. The average rate for a driver around age 40 using $500 deductibles is $1,508. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,938. High risk drivers could be charged up to $3,228. The cost for full coverage insurance for a teenage driver can be as high as $5,404.

View Chart as Image