Ford F-250 Super Duty XL Crew Cab Harley Edition 4WD Insurance Rates

Average insurance rates for a Ford F-250 Super Duty XL Crew Cab Harley Edition 4WD are $1,670 a year including full coverage. Comprehensive insurance costs approximately $382 each year, collision insurance costs $634, and liability coverage costs around $454. Just liability insurance costs as low as $538 a year, and coverage for high-risk drivers costs $3,584 or more. Teen drivers receive the highest rates at up to $6,142 a year.

Annual premium for full coverage: $1,670

Rate estimates by individual 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

These differences highlight why all drivers should compare prices using their specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Insurance prices for a Ford F-250 Super Duty XL Crew Cab Harley Edition 4WD can also vary considerably based on your driver profile, the replacement cost of your F-250 Super Duty, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,500 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Where you live has a huge impact on Ford F-250 Super Duty XL Crew Cab Harley Edition 4WD insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $680 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $408 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,700 additional per year, depending on your age. Insurance for high-risk drivers can be around 44% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.

View Chart as Image

The chart above shows average Ford F-250 Super Duty XL Crew Cab Harley Edition 4WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $971. Drivers who choose higher $1,000 deductibles will pay around $1,440. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,670. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $2,118. High risk drivers could be charged as much as $3,584. The policy rate for full coverage for a teenager can be as high as $6,142.

View Chart as Image