Ford F-150 XLT Crew Cab 2WD Insurance Rates

Average insurance rates for a Ford F-150 XLT Crew Cab 2WD are $1,266 a year for full coverage insurance. Comprehensive insurance costs an estimated $298, collision insurance costs $446, and liability costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs $2,702 or more. Teenage drivers receive the highest rates at up to $4,658 a year.

Annual premium for full coverage: $1,266

Rate estimates broken down by 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 differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Ford F-150 XLT Crew Cab 2WD can also vary considerably based on your driver profile, the model year, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford F-150 XLT Crew Cab 2WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $500 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

View Chart as Image

The chart estimates Ford F-150 XLT Crew Cab 2WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $745. Drivers who use higher $1,000 deductibles will pay around $1,098. The average rate for a driver around age 40 using $500 deductibles is $1,266. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,590. Drivers with multiple violations and accidents could be charged as much as $2,702. The price for full coverage for a teenage driver is $4,658.

View Chart as Image