Ford F-250 Super Duty XL Super Cab Harley Edition 4WD Insurance Rates

Average insurance rates for a Ford F-250 Super Duty XL Super Cab Harley Edition 4WD are $1,670 a year with full coverage. Comprehensive costs around $382, collision insurance costs $634, and liability insurance costs around $454. Buying just liability costs as low as $538 a year, and insurance for high-risk drivers costs around $3,584. Teenage drivers receive the highest rates at up to $6,142 a year.

Annual premium for full coverage: $1,670

Rate estimates for 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

Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

These differences demonstrate why everyone should compare prices for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Ford F-250 Super Duty XL Super Cab Harley Edition 4WD can also vary considerably based on your driver profile, the actual cash value of your F-250 Super Duty, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,500 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $6,100 a year. View Rates by Age

Where you live has a huge impact on Ford F-250 Super Duty XL Super Cab Harley Edition 4WD insurance rates. A driver around age 40 might see rates 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.

Using high physical damage deductibles could cut rates by as much as $680 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $408 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,900 to $2,700 in extra premium per year, depending on your age. Ford F-250 Super Duty XL Super Cab Harley Edition 4WD insurance for high-risk drivers can be anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

View Chart as Image

The chart above shows Ford F-250 Super Duty XL Super Cab Harley Edition 4WD insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $971. Drivers who use higher $1,000 deductibles will pay around $1,440. The average rate for a driver age 40 with no violations using $500 deductibles is $1,670. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $2,118. Drivers with multiple violations and accidents could be charged as much as $3,584. The rate for full coverage insurance for a 16-year-old driver can be as high as $6,142.

View Chart as Image