Ford F-250 Super Duty XLT 2WD Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty XLT 2WD are $1,520 a year including full coverage. Comprehensive costs an estimated $326 a year, collision insurance costs $604, and liability coverage costs around $410. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs around $3,284. Teenage drivers pay the most at up to $5,638 a year.

Annual premium for full coverage: $1,520

Premium estimates broken down by individual coverage type:

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

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on insurance prices.

These rate differences highlight why it is important for drivers to compare prices for a targeted area, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a Ford F-250 Super Duty XLT 2WD also have a wide range based on the model year of your F-250 Super Duty, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,600 a year. View Rates by Age

Where you choose to live has a huge impact on Ford F-250 Super Duty XLT 2WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $630 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $369 more per year. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so the rates will be substantially different.

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The chart above shows average Ford F-250 Super Duty XLT 2WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $878. Drivers who use higher $1,000 deductibles will pay $1,308. The average price for a driver around age 40 using $500 deductibles is $1,520. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,930. Drivers with multiple violations and accidents could be charged up to $3,284. The cost for full coverage insurance for a teenage driver can be as high as $5,638.

View Chart as Image