Ford F-250 Super Duty Lariat Crew Cab 4WD Insurance Rates

The average insurance rates for a Ford F-250 Super Duty Lariat Crew Cab 4WD are $1,716 a year with full coverage. Comprehensive costs an estimated $396 each year, collision insurance costs $666, and liability costs $454. Buying just liability costs as little as $538 a year, and insurance for high-risk drivers costs around $3,686. Teenage drivers cost the most to insure at up to $6,286 a year.

Annual premium for full coverage: $1,716

Policy rates 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

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

These price differences demonstrate why all drivers should compare rates for a targeted area, instead of using average rates.

Use the form below to get rates for your location.

Insurance rates for a Ford F-250 Super Duty Lariat Crew Cab 4WD also range considerably based on the actual cash value of your F-250 Super Duty, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $6,200 a year. View Rates by Age

Your home state makes a big difference in Ford F-250 Super Duty Lariat Crew Cab 4WD insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $710 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $408 more per year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so the rates will be varied.

The chart above shows Ford F-250 Super Duty Lariat Crew Cab 4WD insurance prices for various risks and coverage choices. The best price after discounts is $995. Drivers who use higher $1,000 deductibles will pay $1,476. The average price for a driver around age 40 using $500 deductibles is $1,716. Using lower $100 deductibles for comp and collision coverage can cost as much as $2,182. Drivers with multiple violations and accidents could be charged around $3,686. The policy rate for full coverage insurance for a teenage driver is $6,286.