Ford F-250 Super Duty XL Crew Cab 2WD Insurance Rates
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U.S. average insurance rates for a Ford F-250 Super Duty XL Crew Cab 2WD are $1,564 a year for full coverage. Comprehensive insurance costs on average $340, collision costs $634, and liability costs around $410. Liability-only insurance costs as low as $486 a year, with high-risk driver insurance costing $3,382 or more. Teen drivers pay the highest rates at $5,782 a year or more.
Annual premium for full coverage: $1,564
Price estimates by type of coverage:
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
For the average 40-year-old driver, Ford F-250 Super Duty XL Crew Cab 2WD insurance prices go from as low as $486 for just liability insurance to the much higher price of $3,382 for coverage for higher-risk drivers.
These price ranges show why everyone should 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Companies with Cheap Ford F-250 Super Duty XL Crew Cab 2WD Insurance
Car insurance rates for a Ford F-250 Super Duty XL Crew Cab 2WD are also quite variable based on your driving record, the model year of your F-250 Super Duty, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teenage drivers, where even good drivers will be charged upwards of $5,700 a year. View Rates by Age
The state you live in has a huge impact on Ford F-250 Super Duty XL Crew Cab 2WD insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
Choosing high deductibles could cut rates by as much as $660 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $369 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 extra each year, depending on your age. Ford F-250 Super Duty XL Crew Cab 2WD insurance for high-risk drivers can be from 43% to 129% more than average. View High Risk Driver Rates
Since rates can be so different, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite different from one company to the next.
Chart shows Ford F-250 Super Duty XL Crew Cab 2WD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $898. Drivers who choose higher $1,000 deductibles will pay around $1,344. The average rate for a 40-year-old male driver using $500 deductibles is $1,564. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,996. High risk drivers could be charged at least $3,382. The rate for full coverage for a teen driver can be as high as $5,782.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,416 | -$148 | -9.5% |
| Alaska | $1,200 | -$364 | -23.3% |
| Arizona | $1,298 | -$266 | -17.0% |
| Arkansas | $1,564 | -$0 | 0.0% |
| California | $1,784 | $220 | 14.1% |
| Colorado | $1,494 | -$70 | -4.5% |
| Connecticut | $1,608 | $44 | 2.8% |
| Delaware | $1,772 | $208 | 13.3% |
| Florida | $1,960 | $396 | 25.3% |
| Georgia | $1,446 | -$118 | -7.5% |
| Hawaii | $1,122 | -$442 | -28.3% |
| Idaho | $1,060 | -$504 | -32.2% |
| Illinois | $1,166 | -$398 | -25.4% |
| Indiana | $1,180 | -$384 | -24.6% |
| Iowa | $1,056 | -$508 | -32.5% |
| Kansas | $1,486 | -$78 | -5.0% |
| Kentucky | $2,134 | $570 | 36.4% |
| Louisiana | $2,318 | $754 | 48.2% |
| Maine | $968 | -$596 | -38.1% |
| Maryland | $1,290 | -$274 | -17.5% |
| Massachusetts | $1,250 | -$314 | -20.1% |
| Michigan | $2,718 | $1,154 | 73.8% |
| Minnesota | $1,312 | -$252 | -16.1% |
| Mississippi | $1,876 | $312 | 19.9% |
| Missouri | $1,388 | -$176 | -11.3% |
| Montana | $1,682 | $118 | 7.5% |
| Nebraska | $1,234 | -$330 | -21.1% |
| Nevada | $1,878 | $314 | 20.1% |
| New Hampshire | $1,130 | -$434 | -27.7% |
| New Jersey | $1,752 | $188 | 12.0% |
| New Mexico | $1,386 | -$178 | -11.4% |
| New York | $1,648 | $84 | 5.4% |
| North Carolina | $902 | -$662 | -42.3% |
| North Dakota | $1,282 | -$282 | -18.0% |
| Ohio | $1,080 | -$484 | -30.9% |
| Oklahoma | $1,608 | $44 | 2.8% |
| Oregon | $1,434 | -$130 | -8.3% |
| Pennsylvania | $1,492 | -$72 | -4.6% |
| Rhode Island | $2,088 | $524 | 33.5% |
| South Carolina | $1,418 | -$146 | -9.3% |
| South Dakota | $1,322 | -$242 | -15.5% |
| Tennessee | $1,370 | -$194 | -12.4% |
| Texas | $1,884 | $320 | 20.5% |
| Utah | $1,158 | -$406 | -26.0% |
| Vermont | $1,070 | -$494 | -31.6% |
| Virginia | $936 | -$628 | -40.2% |
| Washington | $1,208 | -$356 | -22.8% |
| West Virginia | $1,434 | -$130 | -8.3% |
| Wisconsin | $1,084 | -$480 | -30.7% |
| Wyoming | $1,396 | -$168 | -10.7% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,782 |
| 20 | $3,620 |
| 30 | $1,636 |
| 40 | $1,564 |
| 50 | $1,428 |
| 60 | $1,400 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,996 |
| $250 | $1,796 |
| $500 | $1,564 |
| $1,000 | $1,344 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,564 |
| 50/100 | $1,646 |
| 100/300 | $1,749 |
| 250/500 | $2,015 |
| 100 CSL | $1,687 |
| 300 CSL | $1,913 |
| 500 CSL | $2,077 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,258 |
| 20 | $5,746 |
| 30 | $3,464 |
| 40 | $3,382 |
| 50 | $3,228 |
| 60 | $3,198 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $81 |
| Homeowner | $22 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $101 |
| Paid in Full/EFT | $73 |
| Advance Quote | $78 |
| Online Quote | $111 |
| Total Discounts | $666 |
Discounts are estimated and may not be available from every company or in every state.
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