Ford F-250 Super Duty XLT Crew Cab 4WD Insurance Rates
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U.S. average insurance rates for a Ford F-250 Super Duty XLT Crew Cab 4WD are $1,670 a year with full coverage. Comprehensive costs approximately $382, collision costs $634, and liability costs around $454. Liability-only coverage costs as low as $538 a year, with high-risk coverage costing around $3,584. Teen drivers pay the highest rates at $6,142 a year or more.
Annual premium for full coverage: $1,670
Price 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 the average 40-year-old driver, Ford F-250 Super Duty XLT Crew Cab 4WD insurance prices go from the low end price of $538 for your basic liability-only policy to the much higher price of $3,584 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.
The example below illustrates the difference location can make on auto insurance prices.
These price ranges demonstrate why everyone should compare prices using their specific location, instead of 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.
Companies with Cheap Ford F-250 Super Duty XLT Crew Cab 4WD Insurance
Auto insurance rates for a Ford F-250 Super Duty XLT Crew Cab 4WD are also quite variable based on the replacement cost of your F-250 Super Duty, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,900 to $2,700 in extra premium each year, depending on your age. Ford F-250 Super Duty XLT Crew Cab 4WD insurance for high-risk drivers can be as much as 44% to 128% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $6,100 a year. View Rates by Age
The state you live in has a huge impact on Ford F-250 Super Duty XLT Crew Cab 4WD insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.
Choosing high deductibles could cut prices by as much as $680 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $408 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted rates may be quite different.
The chart above shows Ford F-250 Super Duty XLT Crew Cab 4WD insurance prices for different risks and coverage choices. The best price after discounts is $971. Drivers who choose higher $1,000 deductibles will pay $1,440. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,670. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $2,118. High risk drivers could be charged at least $3,584. The rate for full coverage insurance for a teenager can be as high as $6,142.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,510 | -$160 | -9.6% |
| Alaska | $1,278 | -$392 | -23.5% |
| Arizona | $1,386 | -$284 | -17.0% |
| Arkansas | $1,670 | -$0 | 0.0% |
| California | $1,904 | $234 | 14.0% |
| Colorado | $1,594 | -$76 | -4.6% |
| Connecticut | $1,714 | $44 | 2.6% |
| Delaware | $1,890 | $220 | 13.2% |
| Florida | $2,088 | $418 | 25.0% |
| Georgia | $1,542 | -$128 | -7.7% |
| Hawaii | $1,198 | -$472 | -28.3% |
| Idaho | $1,132 | -$538 | -32.2% |
| Illinois | $1,244 | -$426 | -25.5% |
| Indiana | $1,258 | -$412 | -24.7% |
| Iowa | $1,128 | -$542 | -32.5% |
| Kansas | $1,584 | -$86 | -5.1% |
| Kentucky | $2,278 | $608 | 36.4% |
| Louisiana | $2,472 | $802 | 48.0% |
| Maine | $1,032 | -$638 | -38.2% |
| Maryland | $1,378 | -$292 | -17.5% |
| Massachusetts | $1,336 | -$334 | -20.0% |
| Michigan | $2,900 | $1,230 | 73.7% |
| Minnesota | $1,398 | -$272 | -16.3% |
| Mississippi | $2,000 | $330 | 19.8% |
| Missouri | $1,484 | -$186 | -11.1% |
| Montana | $1,794 | $124 | 7.4% |
| Nebraska | $1,316 | -$354 | -21.2% |
| Nevada | $2,002 | $332 | 19.9% |
| New Hampshire | $1,204 | -$466 | -27.9% |
| New Jersey | $1,868 | $198 | 11.9% |
| New Mexico | $1,478 | -$192 | -11.5% |
| New York | $1,756 | $86 | 5.1% |
| North Carolina | $962 | -$708 | -42.4% |
| North Dakota | $1,368 | -$302 | -18.1% |
| Ohio | $1,154 | -$516 | -30.9% |
| Oklahoma | $1,714 | $44 | 2.6% |
| Oregon | $1,530 | -$140 | -8.4% |
| Pennsylvania | $1,594 | -$76 | -4.6% |
| Rhode Island | $2,228 | $558 | 33.4% |
| South Carolina | $1,512 | -$158 | -9.5% |
| South Dakota | $1,410 | -$260 | -15.6% |
| Tennessee | $1,462 | -$208 | -12.5% |
| Texas | $2,012 | $342 | 20.5% |
| Utah | $1,236 | -$434 | -26.0% |
| Vermont | $1,142 | -$528 | -31.6% |
| Virginia | $1,000 | -$670 | -40.1% |
| Washington | $1,290 | -$380 | -22.8% |
| West Virginia | $1,530 | -$140 | -8.4% |
| Wisconsin | $1,156 | -$514 | -30.8% |
| Wyoming | $1,488 | -$182 | -10.9% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,142 |
| 20 | $3,824 |
| 30 | $1,744 |
| 40 | $1,670 |
| 50 | $1,522 |
| 60 | $1,490 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,118 |
| $250 | $1,912 |
| $500 | $1,670 |
| $1,000 | $1,440 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,670 |
| 50/100 | $1,761 |
| 100/300 | $1,874 |
| 250/500 | $2,169 |
| 100 CSL | $1,806 |
| 300 CSL | $2,056 |
| 500 CSL | $2,238 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,758 |
| 20 | $6,068 |
| 30 | $3,668 |
| 40 | $3,584 |
| 50 | $3,420 |
| 60 | $3,384 |
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 | $88 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $121 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $76 |
| Advance Quote | $81 |
| Online Quote | $118 |
| Total Discounts | $699 |
Discounts are estimated and may not be available from every company or in every state.
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