Ford F-250 Super Duty XL 4WD Insurance Rates

Average insurance rates for a Ford F-250 Super Duty XL 4WD are $1,534 a year for full coverage insurance. Comprehensive insurance costs approximately $340, collision insurance costs $540, and liability costs $454. Buying just liability costs as little as $538 a year, and insurance for high-risk drivers costs $3,284 or more. Teen drivers receive the highest rates at up to $5,708 a year.

Annual premium for full coverage: $1,534

Rate estimates 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-250 Super Duty Trim Level

These differences illustrate why anyone shopping for car insurance should compare rates using their 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-250 Super Duty XL 4WD can also vary considerably based on your driver profile, the model year, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $5,700 a year. View Rates by Age

Where you live makes a big difference in Ford F-250 Super Duty XL 4WD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $590 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $408 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance can cost from 44% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

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The chart estimates Ford F-250 Super Duty XL 4WD insurance rates for various risk profiles and scenarios. The cheapest discount rate is $902. Drivers who choose higher $1,000 deductibles will pay around $1,334. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,534. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,920. High risk drivers could be charged as much as $3,284. The price for full coverage for a teenager is $5,708.

View Chart as Image