Ford F-250 Super Duty XL Turbo Diesel 4WD Insurance Rates

The average insurance rates for a Ford F-250 Super Duty XL Turbo Diesel 4WD are $1,670 a year with full coverage. Comprehensive costs on average $382 each year, collision insurance costs $634, and liability costs $454. Buying just liability costs as little as $538 a year, and insurance for high-risk drivers costs around $3,584. Teenage drivers cost the most to insure at up to $6,142 a year.

Annual premium for full coverage: $1,670

Policy rates by 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 have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These price differences demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Insurance rates for a Ford F-250 Super Duty XL Turbo Diesel 4WD also range considerably based on your risk profile, the actual cash value of your F-250 Super Duty, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $6,100 a year. View Rates by Age

Your home state makes a big difference in Ford F-250 Super Duty XL Turbo Diesel 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.

Using high physical damage deductibles could save up to $680 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $408 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.

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The chart above shows Ford F-250 Super Duty XL Turbo Diesel 4WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $971. Drivers who use higher $1,000 deductibles will pay around $1,440. The average rate for a 40-year-old male driver using $500 deductibles is $1,670. Using lower $100 deductibles for comp and collision coverage can cost as much as $2,118. Drivers with multiple violations and accidents could be charged around $3,584. The policy rate for full coverage insurance for a teen driver is $6,142.

View Chart as Image