Ford F-150 XLT Super Cab 4WD Insurance Rates

Average insurance rates for a Ford F-150 XLT Super Cab 4WD are $1,294 a year with full coverage. Comprehensive costs on average $326 a year, collision costs $446, and liability costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $2,748. Teen drivers receive the highest rates at $4,700 a year or more.

Annual premium for full coverage: $1,294

Rate 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

Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

These differences demonstrate why it is important for drivers to compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Ford F-150 XLT Super Cab 4WD can also vary considerably based on your driver profile, the actual cash value of your F-150, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

Where you live has a huge impact on Ford F-150 XLT Super Cab 4WD insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $510 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

View Chart as Image

The chart above shows Ford F-150 XLT Super Cab 4WD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $765. Drivers who choose higher $1,000 deductibles will pay around $1,118. The average rate for a 40-year-old male driver using $500 deductibles is $1,294. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,628. High risk drivers could be charged as much as $2,748. The cost for full coverage insurance for a teen driver can be as high as $4,700.

View Chart as Image