That is all right. The ST has AWD not 4WD, stupid Ford advertisers. I would see why insurance companies see the ST, King Ranch, and Platinum to be the same because they have same engine and most have same HP.
Yes I was happy that farm bureau classified it same as the other 2, even though the ST is advertised as the bad word "Sporty" which in insurance terms means riskier.
And the awd listing was less to insure than 2wd same 3 models.
I get on them often about all the safety stuff not earning a higher discount.
The 360 suite of safety stuff has saved my bacon a few times in my f150.
Curious as to model transfer case. To see if it does have a neutral .
It's present four down or flat towable like our edge was.
So the f150 just got pressed into service for tagging along behind our motorhome