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

Average insurance rates for a Ford F-250 Super Duty XL Super Cab 4WD are $1,580 a year for full coverage. Comprehensive costs an estimated $354 each year, collision costs $572, and liability costs $454. Buying just liability costs as little as $538 a year, with insurance for high-risk drivers costing around $3,386. Teenage drivers receive the highest rates at $5,852 a year or more.

Annual premium for full coverage: $1,580

Rate estimates broken down 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

Price Range by Location

Your location can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

These differences show why all drivers should compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Ford F-250 Super Duty XL Super Cab 4WD can also vary considerably based on your driver profile, the model year of your F-250 Super Duty, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

Where you live makes a big difference in Ford F-250 Super Duty XL Super Cab 4WD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $620 every year, whereas increasing liability limits will increase premiums. Going 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 could be paying $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

View Chart as Image

Chart shows Ford F-250 Super Duty XL Super Cab 4WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $926. Drivers who use higher $1,000 deductibles will pay around $1,370. The average rate for a driver around age 40 using $500 deductibles is $1,580. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,986. Drivers with multiple violations and accidents could be charged as much as $3,386. The policy rate for full coverage insurance for a teenage driver is $5,852.

View Chart as Image