Ford F-250 Super Duty XL Crew Cab 4WD Insurance Rates
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Average insurance prices for a Ford F-250 Super Duty XL Crew Cab 4WD are $1,580 every 12 months for full coverage insurance. Comprehensive insurance costs on average $354, collision insurance costs $572, and liability coverage costs $454. Liability-only coverage costs as little as $538 a year, and high-risk coverage costs $3,386 or more. Teenage drivers receive the highest rates at up to $5,852 a year.
Annual premium for full coverage: $1,580
Rate estimates by type of 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
Using a middle-aged driver as an example, prices range from the cheapest price of $538 for just liability coverage to the much higher price of $3,386 for a high-risk driver policy.
These differences illustrate why everyone should compare rates based on a specific location and their own driving history, rather than using average rates.
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 XL Crew Cab 4WD Insurance
Car insurance rates for a Ford F-250 Super Duty XL Crew Cab 4WD can also vary considerably based on policy deductibles and limits, your risk profile, and the model year of your F-250 Super Duty.
Using high physical damage deductibles could save up to $620 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $408 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 extra per year, depending on your age. Ford F-250 Super Duty XL Crew Cab 4WD insurance for high-risk drivers can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Ford F-250 Super Duty XL Crew Cab 4WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.
With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly different.
The chart estimates Ford F-250 Super Duty XL Crew Cab 4WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $926. Drivers who use higher $1,000 deductibles will pay $1,370. The average rate for a 40-year-old male driver using $500 deductibles is $1,580. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,986. Drivers with multiple violations and accidents could be charged as much as $3,386. The rate for full coverage for a teen driver is $5,852.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,426 | -$154 | -9.7% |
| Alaska | $1,210 | -$370 | -23.4% |
| Arizona | $1,310 | -$270 | -17.1% |
| Arkansas | $1,580 | -$0 | 0.0% |
| California | $1,800 | $220 | 13.9% |
| Colorado | $1,508 | -$72 | -4.6% |
| Connecticut | $1,622 | $42 | 2.7% |
| Delaware | $1,786 | $206 | 13.0% |
| Florida | $1,972 | $392 | 24.8% |
| Georgia | $1,458 | -$122 | -7.7% |
| Hawaii | $1,132 | -$448 | -28.4% |
| Idaho | $1,072 | -$508 | -32.2% |
| Illinois | $1,176 | -$404 | -25.6% |
| Indiana | $1,190 | -$390 | -24.7% |
| Iowa | $1,068 | -$512 | -32.4% |
| Kansas | $1,498 | -$82 | -5.2% |
| Kentucky | $2,154 | $574 | 36.3% |
| Louisiana | $2,336 | $756 | 47.8% |
| Maine | $974 | -$606 | -38.4% |
| Maryland | $1,302 | -$278 | -17.6% |
| Massachusetts | $1,262 | -$318 | -20.1% |
| Michigan | $2,742 | $1,162 | 73.5% |
| Minnesota | $1,320 | -$260 | -16.5% |
| Mississippi | $1,890 | $310 | 19.6% |
| Missouri | $1,402 | -$178 | -11.3% |
| Montana | $1,696 | $116 | 7.3% |
| Nebraska | $1,244 | -$336 | -21.3% |
| Nevada | $1,892 | $312 | 19.7% |
| New Hampshire | $1,138 | -$442 | -28.0% |
| New Jersey | $1,764 | $184 | 11.6% |
| New Mexico | $1,398 | -$182 | -11.5% |
| New York | $1,662 | $82 | 5.2% |
| North Carolina | $908 | -$672 | -42.5% |
| North Dakota | $1,294 | -$286 | -18.1% |
| Ohio | $1,090 | -$490 | -31.0% |
| Oklahoma | $1,620 | $40 | 2.5% |
| Oregon | $1,446 | -$134 | -8.5% |
| Pennsylvania | $1,508 | -$72 | -4.6% |
| Rhode Island | $2,106 | $526 | 33.3% |
| South Carolina | $1,430 | -$150 | -9.5% |
| South Dakota | $1,334 | -$246 | -15.6% |
| Tennessee | $1,382 | -$198 | -12.5% |
| Texas | $1,902 | $322 | 20.4% |
| Utah | $1,168 | -$412 | -26.1% |
| Vermont | $1,078 | -$502 | -31.8% |
| Virginia | $944 | -$636 | -40.3% |
| Washington | $1,220 | -$360 | -22.8% |
| West Virginia | $1,446 | -$134 | -8.5% |
| Wisconsin | $1,094 | -$486 | -30.8% |
| Wyoming | $1,406 | -$174 | -11.0% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,852 |
| 20 | $3,610 |
| 30 | $1,646 |
| 40 | $1,580 |
| 50 | $1,440 |
| 60 | $1,410 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,986 |
| $250 | $1,798 |
| $500 | $1,580 |
| $1,000 | $1,370 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,580 |
| 50/100 | $1,671 |
| 100/300 | $1,784 |
| 250/500 | $2,079 |
| 100 CSL | $1,716 |
| 300 CSL | $1,966 |
| 500 CSL | $2,148 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,330 |
| 20 | $5,726 |
| 30 | $3,458 |
| 40 | $3,386 |
| 50 | $3,230 |
| 60 | $3,194 |
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 | $83 |
| Multi-vehicle | $80 |
| Homeowner | $23 |
| 5-yr Accident Free | $112 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $70 |
| Advance Quote | $76 |
| Online Quote | $110 |
| Total Discounts | $654 |
Discounts are estimated and may not be available from every company or in every state.
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