Ford F-250 Super Duty XLT 4WD Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty XLT 4WD are $1,580 a year for full coverage insurance. Comprehensive insurance costs approximately $354, collision costs $572, and liability coverage costs around $454. A liability-only policy costs as low as $538 a year, with high-risk insurance costing $3,386 or more. Teen drivers pay the most at $5,852 a year or more.

Annual premium for full coverage: $1,580

Premium estimates 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 rate differences illustrate why anyone shopping for car insurance 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.

Auto insurance rates for a Ford F-250 Super Duty XLT 4WD also have a wide range based on your driving characteristics, the model year, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Ford F-250 Super Duty XLT 4WD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $620 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $408 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance can be around 43% to 128% more than average. View High Risk Driver Rates

With such a large range of rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be substantially different from one company to the next.

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The chart estimates Ford F-250 Super Duty XLT 4WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $926. Drivers who choose higher $1,000 deductibles will pay around $1,370. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,580. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,986. High risk drivers could be charged up to $3,386. The price for full coverage for a teenager can be as high as $5,852.

View Chart as Image