Ford F-250 Super Duty XL Cabela Package 4WD Insurance Rates

The average insurance prices for a Ford F-250 Super Duty XL Cabela Package 4WD are $1,580 every 12 months with full coverage. Comprehensive costs around $354 each year, collision costs $572, and liability costs $454. A liability-only policy costs as little as $538 a year, with high-risk insurance costing around $3,386. Teenage drivers cost the most to insure at $5,852 a year or more.

Annual premium for full coverage: $1,580

Policy rates for 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 make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

These price differences demonstrate why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Ford F-250 Super Duty XL Cabela Package 4WD also range considerably based on liability limits and deductibles, your driving record, and the actual cash value of your F-250 Super Duty.

Using high physical damage deductibles could save up to $620 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $408 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

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

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

The chart above shows Ford F-250 Super Duty XL Cabela Package 4WD insurance rates for different coverage choices and risks. The cheapest discount rate is $926. Drivers who use higher $1,000 deductibles will pay $1,370. The average rate for a driver age 40 with no violations using $500 deductibles is $1,580. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,986. Drivers with multiple violations and accidents could be charged around $3,386. The policy rate for full coverage insurance for a 16-year-old driver is $5,852.

View Chart as Image