Ford F-250 Super Duty XL Super Cab Harley Edition 2WD Insurance Rates
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Average insurance prices for a Ford F-250 Super Duty XL Super Cab Harley Edition 2WD are $1,610 every 12 months with full coverage. Comprehensive costs on average $354, collision costs $666, and liability coverage costs around $410. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing around $3,484. Teen drivers receive the highest rates at $5,926 a year or more.
Annual premium for full coverage: $1,610
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
For a 40-year-old driver, prices go from the cheapest price of $486 for your basic liability-only policy to the much higher price of $3,484 for high-risk insurance.
Price Range by Location
Where you live has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas.
The example below illustrates how your location can change car insurance rates.
These differences demonstrate why everyone should compare prices based on a specific location and their own driving history, rather than using 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 Super Cab Harley Edition 2WD Insurance Rates
Auto insurance rates for a Ford F-250 Super Duty XL Super Cab Harley Edition 2WD can also vary considerably based on policy deductibles and limits, your driving record, and the model year of your F-250 Super Duty.
Choosing high deductibles could cut rates by as much as $690 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $369 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,500 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $5,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,900 to $2,600 in extra premium per year, depending on your age. Ford F-250 Super Duty XL Super Cab Harley Edition 2WD insurance for high-risk drivers can be around 44% to 132% more than average. View High Risk Driver Rates
Where you live has a huge impact on Ford F-250 Super Duty XL Super Cab Harley Edition 2WD insurance rates. A driver around age 40 might see rates 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.
With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates can be significantly different.
The chart above shows Ford F-250 Super Duty XL Super Cab Harley Edition 2WD insurance rates for different coverage choices and risks. The cheapest rate with discounts is $921. Drivers who choose higher $1,000 deductibles will pay $1,380. The average rate for a 40-year-old male driver using $500 deductibles is $1,610. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $2,062. High risk drivers could be charged as much as $3,484. The rate for full coverage insurance for a teen driver can be as high as $5,926.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,456 | -$154 | -9.6% |
| Alaska | $1,234 | -$376 | -23.4% |
| Arizona | $1,338 | -$272 | -16.9% |
| Arkansas | $1,610 | -$0 | 0.0% |
| California | $1,836 | $226 | 14.0% |
| Colorado | $1,536 | -$74 | -4.6% |
| Connecticut | $1,654 | $44 | 2.7% |
| Delaware | $1,822 | $212 | 13.2% |
| Florida | $2,014 | $404 | 25.1% |
| Georgia | $1,490 | -$120 | -7.5% |
| Hawaii | $1,154 | -$456 | -28.3% |
| Idaho | $1,092 | -$518 | -32.2% |
| Illinois | $1,198 | -$412 | -25.6% |
| Indiana | $1,216 | -$394 | -24.5% |
| Iowa | $1,088 | -$522 | -32.4% |
| Kansas | $1,528 | -$82 | -5.1% |
| Kentucky | $2,198 | $588 | 36.5% |
| Louisiana | $2,384 | $774 | 48.1% |
| Maine | $996 | -$614 | -38.1% |
| Maryland | $1,328 | -$282 | -17.5% |
| Massachusetts | $1,286 | -$324 | -20.1% |
| Michigan | $2,798 | $1,188 | 73.8% |
| Minnesota | $1,348 | -$262 | -16.3% |
| Mississippi | $1,930 | $320 | 19.9% |
| Missouri | $1,428 | -$182 | -11.3% |
| Montana | $1,730 | $120 | 7.5% |
| Nebraska | $1,272 | -$338 | -21.0% |
| Nevada | $1,932 | $322 | 20.0% |
| New Hampshire | $1,162 | -$448 | -27.8% |
| New Jersey | $1,802 | $192 | 11.9% |
| New Mexico | $1,426 | -$184 | -11.4% |
| New York | $1,698 | $88 | 5.5% |
| North Carolina | $928 | -$682 | -42.4% |
| North Dakota | $1,320 | -$290 | -18.0% |
| Ohio | $1,112 | -$498 | -30.9% |
| Oklahoma | $1,654 | $44 | 2.7% |
| Oregon | $1,474 | -$136 | -8.4% |
| Pennsylvania | $1,536 | -$74 | -4.6% |
| Rhode Island | $2,148 | $538 | 33.4% |
| South Carolina | $1,460 | -$150 | -9.3% |
| South Dakota | $1,360 | -$250 | -15.5% |
| Tennessee | $1,410 | -$200 | -12.4% |
| Texas | $1,938 | $328 | 20.4% |
| Utah | $1,192 | -$418 | -26.0% |
| Vermont | $1,102 | -$508 | -31.6% |
| Virginia | $964 | -$646 | -40.1% |
| Washington | $1,244 | -$366 | -22.7% |
| West Virginia | $1,476 | -$134 | -8.3% |
| Wisconsin | $1,116 | -$494 | -30.7% |
| Wyoming | $1,436 | -$174 | -10.8% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,926 |
| 20 | $3,724 |
| 30 | $1,686 |
| 40 | $1,610 |
| 50 | $1,470 |
| 60 | $1,442 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,062 |
| $250 | $1,852 |
| $500 | $1,610 |
| $1,000 | $1,380 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,610 |
| 50/100 | $1,692 |
| 100/300 | $1,795 |
| 250/500 | $2,061 |
| 100 CSL | $1,733 |
| 300 CSL | $1,959 |
| 500 CSL | $2,123 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,472 |
| 20 | $5,916 |
| 30 | $3,570 |
| 40 | $3,484 |
| 50 | $3,322 |
| 60 | $3,292 |
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 | $86 |
| Multi-vehicle | $83 |
| Homeowner | $23 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $76 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $689 |
Discounts are estimated and may not be available from every company or in every state.
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