Ford F-250 Super Duty XLT Super Cab 4WD Insurance Rates
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U.S. average insurance prices for a Ford F-250 Super Duty XLT Super Cab 4WD are $1,626 every 12 months including full coverage. Comprehensive insurance costs around $368, collision insurance costs $604, and liability insurance costs $454. Liability-only insurance costs as little as $538 a year, and high-risk driver insurance costs $3,486 or more. Teen drivers pay the highest rates at up to $5,998 a year.
Annual premium for full coverage: $1,626
Price estimates for 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
For an average driver, Ford F-250 Super Duty XLT Super Cab 4WD insurance prices range from the cheapest price of $538 for just liability insurance to a much higher rate of $3,486 for a driver required to buy high-risk insurance.
These price ranges highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Companies with Cheap Ford F-250 Super Duty XLT Super Cab 4WD Insurance
Car insurance rates for a Ford F-250 Super Duty XLT Super Cab 4WD are also quite variable based on deductibles and policy limits, your driving characteristics, and the actual cash value of your F-250 Super Duty.
Choosing high deductibles could save up to $650 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $408 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teenage drivers, since even excellent drivers will be charged as much as $5,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Ford F-250 Super Duty XLT Super Cab 4WD insurance rates. 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.
Since rates can be so different, the best way to figure out your exact price is to compare rates from as many companies as possible. Every company uses a different rate calculation, so rate quotes may be quite different.
The chart above shows average Ford F-250 Super Duty XLT Super Cab 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $950. Drivers who choose higher $1,000 deductibles will pay $1,404. The average rate for a driver age 40 with no violations using $500 deductibles is $1,626. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $2,050. High risk drivers could be charged at least $3,486. The price for full coverage for a 16-year-old driver is $5,998.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,468 | -$158 | -9.7% |
| Alaska | $1,244 | -$382 | -23.5% |
| Arizona | $1,348 | -$278 | -17.1% |
| Arkansas | $1,626 | -$0 | 0.0% |
| California | $1,852 | $226 | 13.9% |
| Colorado | $1,552 | -$74 | -4.6% |
| Connecticut | $1,668 | $42 | 2.6% |
| Delaware | $1,838 | $212 | 13.0% |
| Florida | $2,030 | $404 | 24.8% |
| Georgia | $1,500 | -$126 | -7.7% |
| Hawaii | $1,166 | -$460 | -28.3% |
| Idaho | $1,102 | -$524 | -32.2% |
| Illinois | $1,210 | -$416 | -25.6% |
| Indiana | $1,224 | -$402 | -24.7% |
| Iowa | $1,098 | -$528 | -32.5% |
| Kansas | $1,542 | -$84 | -5.2% |
| Kentucky | $2,214 | $588 | 36.2% |
| Louisiana | $2,406 | $780 | 48.0% |
| Maine | $1,004 | -$622 | -38.3% |
| Maryland | $1,340 | -$286 | -17.6% |
| Massachusetts | $1,298 | -$328 | -20.2% |
| Michigan | $2,822 | $1,196 | 73.6% |
| Minnesota | $1,358 | -$268 | -16.5% |
| Mississippi | $1,946 | $320 | 19.7% |
| Missouri | $1,442 | -$184 | -11.3% |
| Montana | $1,746 | $120 | 7.4% |
| Nebraska | $1,280 | -$346 | -21.3% |
| Nevada | $1,948 | $322 | 19.8% |
| New Hampshire | $1,170 | -$456 | -28.0% |
| New Jersey | $1,816 | $190 | 11.7% |
| New Mexico | $1,438 | -$188 | -11.6% |
| New York | $1,710 | $84 | 5.2% |
| North Carolina | $936 | -$690 | -42.4% |
| North Dakota | $1,332 | -$294 | -18.1% |
| Ohio | $1,122 | -$504 | -31.0% |
| Oklahoma | $1,666 | $40 | 2.5% |
| Oregon | $1,488 | -$138 | -8.5% |
| Pennsylvania | $1,552 | -$74 | -4.6% |
| Rhode Island | $2,168 | $542 | 33.3% |
| South Carolina | $1,472 | -$154 | -9.5% |
| South Dakota | $1,370 | -$256 | -15.7% |
| Tennessee | $1,422 | -$204 | -12.5% |
| Texas | $1,958 | $332 | 20.4% |
| Utah | $1,202 | -$424 | -26.1% |
| Vermont | $1,110 | -$516 | -31.7% |
| Virginia | $972 | -$654 | -40.2% |
| Washington | $1,254 | -$372 | -22.9% |
| West Virginia | $1,490 | -$136 | -8.4% |
| Wisconsin | $1,124 | -$502 | -30.9% |
| Wyoming | $1,448 | -$178 | -10.9% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,998 |
| 20 | $3,718 |
| 30 | $1,694 |
| 40 | $1,626 |
| 50 | $1,482 |
| 60 | $1,452 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,050 |
| $250 | $1,856 |
| $500 | $1,626 |
| $1,000 | $1,404 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,626 |
| 50/100 | $1,717 |
| 100/300 | $1,830 |
| 250/500 | $2,125 |
| 100 CSL | $1,762 |
| 300 CSL | $2,012 |
| 500 CSL | $2,194 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,544 |
| 20 | $5,898 |
| 30 | $3,564 |
| 40 | $3,486 |
| 50 | $3,324 |
| 60 | $3,288 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $82 |
| Homeowner | $23 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $73 |
| Advance Quote | $78 |
| Online Quote | $114 |
| Total Discounts | $676 |
Discounts are estimated and may not be available from every company or in every state.
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