Ford F-250 Super Duty XLT Super Cab Turbo Diesel 2WD Insurance Rates

U.S. average insurance prices for a Ford F-250 Super Duty XLT Super Cab Turbo Diesel 2WD are $1,702 every 12 months for full coverage insurance. Comprehensive costs approximately $382 each year, collision costs $730, and liability costs around $410. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing around $3,684. Teenage drivers pay the highest rates at $6,216 a year or more.

Annual premium for full coverage: $1,702

Price estimates 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

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These price ranges illustrate why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Insurance prices for a Ford F-250 Super Duty XLT Super Cab Turbo Diesel 2WD are also quite variable based on deductibles and policy limits, your risk profile, and the replacement cost of your F-250 Super Duty.

Using high physical damage deductibles could cut rates by as much as $750 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $369 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $2,000 to $2,700 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Ford F-250 Super Duty XLT Super Cab Turbo Diesel 2WD insurance prices. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and rates may be quite different.

View Chart as Image

The chart estimates Ford F-250 Super Duty XLT Super Cab Turbo Diesel 2WD insurance rates for different coverage choices and risks. The cheapest discount rate is $968. Drivers who use higher $1,000 deductibles will pay $1,450. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,702. Using lower $100 deductibles for physical damage coverage could cost up to $2,194. Drivers with multiple violations and accidents could be charged at least $3,684. The policy rate for full coverage insurance for a teenager can be as high as $6,216.

View Chart as Image