Ford F-150 XL Regular Cab 4WD Insurance Rates

Estimated insurance rates for a Ford F-150 XL Regular Cab 4WD are $1,234 a year including full coverage. Comprehensive insurance costs around $298 each year, collision insurance costs $414, and liability costs $364. A policy with only liability insurance costs as little as $430 a year, and a high-risk policy costs $2,624 or more. Teen drivers pay the most at up to $4,536 a year.

Annual premium for full coverage: $1,234

Premium estimates for 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 rate differences highlight why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Car insurance rates for a Ford F-150 XL Regular Cab 4WD also have a wide range based on your driving characteristics, the replacement cost of your F-150, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers will be charged as much as $4,500 a year. View Rates by Age

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

Choosing high deductibles could save up to $480 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 127% more than average. View High Risk Driver Rates

With such a large range of rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.

View Chart as Image

The chart above shows average Ford F-150 XL Regular Cab 4WD insurance rates for various risk profiles and scenarios. The cheapest discount rate is $732. Drivers who choose higher $1,000 deductibles will pay around $1,072. The average rate for a driver age 40 with no violations using $500 deductibles is $1,234. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,544. High risk drivers could be charged up to $2,624. The policy rate for full coverage for a 16-year-old driver is $4,536.

View Chart as Image