Ford F-250 Super Duty XL Crew Cab Harley Edition 2WD Insurance Rates
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The average insurance rates for a Ford F-250 Super Duty XL Crew Cab Harley Edition 2WD are $1,656 a year for full coverage. Comprehensive costs on average $368, collision costs $698, and liability costs around $410. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing around $3,584. Teen drivers cost the most to insure at $6,072 a year or more.
Annual premium for full coverage: $1,656
Policy rates 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 40-year-old driver as an example, Ford F-250 Super Duty XL Crew Cab Harley Edition 2WD insurance rates go from the low end price of $486 for just the minimum liability insurance to the much higher price of $3,584 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.
The example below illustrates how rural and urban location affects car insurance rates.
These price differences show why everyone should compare prices based on a specific location, instead of making a decision based 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.
Cheapest Ford F-250 Super Duty XL Crew Cab Harley Edition 2WD Insurance Rates
Insurance prices for a Ford F-250 Super Duty XL Crew Cab Harley Edition 2WD also range considerably based on the replacement cost of your F-250 Super Duty, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $2,000 to $2,700 additional every year, depending on your age. Ford F-250 Super Duty XL Crew Cab Harley Edition 2WD insurance for high-risk drivers can be from 44% to 135% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $6,000 a year. View Rates by Age
Your home state has a huge impact on Ford F-250 Super Duty XL Crew Cab Harley Edition 2WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
Choosing high deductibles could cut prices by as much as $720 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $369 more each year. View Rates by Deductible or Liability Limit
Because prices have so much variability, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied.
Chart shows Ford F-250 Super Duty XL Crew Cab Harley Edition 2WD insurance prices for different risks and coverage choices. The cheapest discount price is $945. Drivers who choose higher $1,000 deductibles will pay $1,414. The average price for a 40-year-old male driver using $500 deductibles is $1,656. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $2,128. High risk drivers could be charged around $3,584. The rate for full coverage insurance for a teen driver can be as high as $6,072.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,496 | -$160 | -9.7% |
| Alaska | $1,270 | -$386 | -23.3% |
| Arizona | $1,376 | -$280 | -16.9% |
| Arkansas | $1,656 | -$0 | 0.0% |
| California | $1,888 | $232 | 14.0% |
| Colorado | $1,580 | -$76 | -4.6% |
| Connecticut | $1,702 | $46 | 2.8% |
| Delaware | $1,874 | $218 | 13.2% |
| Florida | $2,072 | $416 | 25.1% |
| Georgia | $1,530 | -$126 | -7.6% |
| Hawaii | $1,188 | -$468 | -28.3% |
| Idaho | $1,122 | -$534 | -32.2% |
| Illinois | $1,232 | -$424 | -25.6% |
| Indiana | $1,250 | -$406 | -24.5% |
| Iowa | $1,118 | -$538 | -32.5% |
| Kansas | $1,572 | -$84 | -5.1% |
| Kentucky | $2,258 | $602 | 36.4% |
| Louisiana | $2,454 | $798 | 48.2% |
| Maine | $1,024 | -$632 | -38.2% |
| Maryland | $1,366 | -$290 | -17.5% |
| Massachusetts | $1,322 | -$334 | -20.2% |
| Michigan | $2,876 | $1,220 | 73.7% |
| Minnesota | $1,386 | -$270 | -16.3% |
| Mississippi | $1,986 | $330 | 19.9% |
| Missouri | $1,468 | -$188 | -11.4% |
| Montana | $1,780 | $124 | 7.5% |
| Nebraska | $1,306 | -$350 | -21.1% |
| Nevada | $1,988 | $332 | 20.0% |
| New Hampshire | $1,196 | -$460 | -27.8% |
| New Jersey | $1,854 | $198 | 12.0% |
| New Mexico | $1,466 | -$190 | -11.5% |
| New York | $1,744 | $88 | 5.3% |
| North Carolina | $954 | -$702 | -42.4% |
| North Dakota | $1,358 | -$298 | -18.0% |
| Ohio | $1,144 | -$512 | -30.9% |
| Oklahoma | $1,700 | $44 | 2.7% |
| Oregon | $1,518 | -$138 | -8.3% |
| Pennsylvania | $1,580 | -$76 | -4.6% |
| Rhode Island | $2,210 | $554 | 33.5% |
| South Carolina | $1,502 | -$154 | -9.3% |
| South Dakota | $1,398 | -$258 | -15.6% |
| Tennessee | $1,448 | -$208 | -12.6% |
| Texas | $1,994 | $338 | 20.4% |
| Utah | $1,224 | -$432 | -26.1% |
| Vermont | $1,134 | -$522 | -31.5% |
| Virginia | $990 | -$666 | -40.2% |
| Washington | $1,278 | -$378 | -22.8% |
| West Virginia | $1,518 | -$138 | -8.3% |
| Wisconsin | $1,146 | -$510 | -30.8% |
| Wyoming | $1,476 | -$180 | -10.9% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,072 |
| 20 | $3,832 |
| 30 | $1,734 |
| 40 | $1,656 |
| 50 | $1,512 |
| 60 | $1,484 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,128 |
| $250 | $1,910 |
| $500 | $1,656 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,656 |
| 50/100 | $1,738 |
| 100/300 | $1,841 |
| 250/500 | $2,107 |
| 100 CSL | $1,779 |
| 300 CSL | $2,005 |
| 500 CSL | $2,169 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,684 |
| 20 | $6,088 |
| 30 | $3,674 |
| 40 | $3,584 |
| 50 | $3,418 |
| 60 | $3,388 |
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 | $89 |
| Multi-vehicle | $85 |
| Homeowner | $23 |
| 5-yr Accident Free | $126 |
| 5-yr Claim Free | $107 |
| Paid in Full/EFT | $79 |
| Advance Quote | $84 |
| Online Quote | $118 |
| Total Discounts | $711 |
Discounts are estimated and may not be available from every company or in every state.
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