Ford F-150 XL Super Cab 4WD Insurance Rates

U.S. average auto insurance rates for a Ford F-150 XL Super Cab 4WD are $1,248 annually for full coverage insurance. Comprehensive insurance costs around $312, collision insurance costs $414, and liability costs around $364. Liability-only insurance costs as low as $430 a year, and high-risk driver insurance costs $2,646 or more. Teen drivers pay the highest rates at up to $4,558 a year.

Annual premium for full coverage: $1,248

Price estimates for type of insurance:

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 illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, 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 Super Cab 4WD are also quite variable based on the actual cash value of your F-150, your risk profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be from 44% to 126% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $480 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford F-150 XL Super Cab 4WD insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to figure out your exact price is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

View Chart as Image

The chart estimates Ford F-150 XL Super Cab 4WD insurance prices for various situations. The cheapest discount price is $743. Drivers who choose higher $1,000 deductibles will pay about $1,082. The average price for a driver age 40 with no violations using $500 deductibles is $1,248. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,562. High risk drivers could be charged at least $2,646. The price for full coverage for a 16-year-old driver can be as high as $4,558.

View Chart as Image