Ford F-250 Super Duty XLT Super Cab 2WD Insurance Rates

Estimated auto insurance rates for a Ford F-250 Super Duty XLT Super Cab 2WD are $1,564 annually including full coverage. Comprehensive costs on average $340 each year, collision costs $634, and liability costs $410. A policy with only liability insurance costs as little as $486 a year, with a high-risk policy costing around $3,382. Teen drivers pay the most at $5,782 a year or more.

Annual premium for full coverage: $1,564

Premium 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

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Car insurance rates for a Ford F-250 Super Duty XLT Super Cab 2WD also have a wide range based on the replacement cost of your F-250 Super Duty, your driving characteristics, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $660 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Ford F-250 Super Duty XLT Super Cab 2WD insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With such a large range of prices, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different between companies.

View Chart as Image

The chart above shows average Ford F-250 Super Duty XLT Super Cab 2WD insurance prices for different situations. The cheapest discount price is $898. Drivers who choose higher $1,000 deductibles will pay about $1,344. The average price for a 40-year-old male driver using $500 deductibles is $1,564. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,996. High risk drivers could be charged up to $3,382. The policy rate for full coverage insurance for a teen driver is $5,782.

View Chart as Image