Ford F-250 Super Duty XL 2WD Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty XL 2WD are $1,428 a year with full coverage. Comprehensive insurance costs around $298, collision costs $540, and liability costs $410. Liability-only insurance costs as little as $486 a year, with high-risk driver insurance costing $3,082 or more. Teen drivers pay the highest rates at $5,348 a year or more.

Annual premium for full coverage: $1,428

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

These price ranges demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Ford F-250 Super Duty XL 2WD are also quite variable based on the model year, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 133% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

The state you live in makes a big difference in Ford F-250 Super Duty XL 2WD insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $560 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $369 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite different.

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The chart above shows Ford F-250 Super Duty XL 2WD insurance prices for different risks and coverage choices. The best price after discounts is $829. Drivers who choose higher $1,000 deductibles will pay $1,240. The average price for a driver age 40 with no violations using $500 deductibles is $1,428. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,800. High risk drivers could be charged at least $3,082. The price for full coverage for a 16-year-old driver is $5,348.

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