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

The average insurance rates for a Ford F-250 Super Duty XL Harley Edition 4WD are $1,626 a year with full coverage. Comprehensive insurance costs on average $368, collision insurance costs $604, and liability insurance costs $454. A liability-only policy costs as little as $538 a year, and high-risk insurance costs $3,486 or more. Teenage drivers cost the most to insure at up to $5,998 a year.

Annual premium for full coverage: $1,626

Policy rates 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 price differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Ford F-250 Super Duty XL Harley Edition 4WD also range considerably based on your risk profile, the actual cash value of your F-250 Super Duty, and policy deductibles and limits.

An older driver with no driving violations and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,900 a year. View Rates by Age

Your home state makes a big difference in Ford F-250 Super Duty XL Harley Edition 4WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $650 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $408 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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The chart above shows Ford F-250 Super Duty XL Harley Edition 4WD insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $950. Drivers who use higher $1,000 deductibles will pay around $1,404. The average rate for a 40-year-old male driver using $500 deductibles is $1,626. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $2,050. Drivers with multiple violations and accidents could be charged around $3,486. The price for full coverage for a teen driver is $5,998.

View Chart as Image