Ford F-250 Super Duty XLT Turbo Diesel 2WD Insurance Rates
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Average insurance rates for a Ford F-250 Super Duty XLT Turbo Diesel 2WD are $1,656 a year for full coverage. Comprehensive insurance costs an estimated $368 each year, collision insurance costs $698, and liability costs $410. Buying just liability costs as little as $486 a year, and insurance for high-risk drivers costs $3,584 or more. Teenage drivers receive the highest rates at up to $6,072 a year.
Annual premium for full coverage: $1,656
Rate estimates broken down 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
For the average driver, prices range from as low as $486 for liability-only coverage to a high rate of $3,584 for a driver that may need high-risk insurance.
These differences show why all drivers should compare rates for a targeted area and risk profile, instead of using average rates.
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 Turbo Diesel 2WD Insurance
Auto insurance rates for a Ford F-250 Super Duty XLT Turbo Diesel 2WD can also vary considerably based on your driver profile, the model year of your F-250 Super Duty, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $6,000 a year. View Rates by Age
Where you live makes a big difference in Ford F-250 Super Duty XLT Turbo Diesel 2WD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.
Using high physical damage deductibles could save up to $720 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $369 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $2,000 to $2,700 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.
Chart shows Ford F-250 Super Duty XLT Turbo Diesel 2WD insurance rates for various risk profiles and scenarios. The best rate after discounts is $945. Drivers who use higher $1,000 deductibles will pay around $1,414. The average rate for a driver around age 40 using $500 deductibles is $1,656. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $2,128. Drivers with multiple violations and accidents could be charged as much as $3,584. The policy rate for full coverage for a teenage driver is $6,072.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,496 | -$160 | -9.7% |
| Alaska | $1,270 | -$386 | -23.3% |
| Arizona | $1,376 | -$280 | -16.9% |
| Arkansas | $1,656 | -$0 | 0.0% |
| California | $1,888 | $232 | 14.0% |
| Colorado | $1,580 | -$76 | -4.6% |
| Connecticut | $1,702 | $46 | 2.8% |
| Delaware | $1,874 | $218 | 13.2% |
| Florida | $2,072 | $416 | 25.1% |
| Georgia | $1,530 | -$126 | -7.6% |
| Hawaii | $1,188 | -$468 | -28.3% |
| Idaho | $1,122 | -$534 | -32.2% |
| Illinois | $1,232 | -$424 | -25.6% |
| Indiana | $1,250 | -$406 | -24.5% |
| Iowa | $1,118 | -$538 | -32.5% |
| Kansas | $1,572 | -$84 | -5.1% |
| Kentucky | $2,258 | $602 | 36.4% |
| Louisiana | $2,454 | $798 | 48.2% |
| Maine | $1,024 | -$632 | -38.2% |
| Maryland | $1,366 | -$290 | -17.5% |
| Massachusetts | $1,322 | -$334 | -20.2% |
| Michigan | $2,876 | $1,220 | 73.7% |
| Minnesota | $1,386 | -$270 | -16.3% |
| Mississippi | $1,986 | $330 | 19.9% |
| Missouri | $1,468 | -$188 | -11.4% |
| Montana | $1,780 | $124 | 7.5% |
| Nebraska | $1,306 | -$350 | -21.1% |
| Nevada | $1,988 | $332 | 20.0% |
| New Hampshire | $1,196 | -$460 | -27.8% |
| New Jersey | $1,854 | $198 | 12.0% |
| New Mexico | $1,466 | -$190 | -11.5% |
| New York | $1,744 | $88 | 5.3% |
| North Carolina | $954 | -$702 | -42.4% |
| North Dakota | $1,358 | -$298 | -18.0% |
| Ohio | $1,144 | -$512 | -30.9% |
| Oklahoma | $1,700 | $44 | 2.7% |
| Oregon | $1,518 | -$138 | -8.3% |
| Pennsylvania | $1,580 | -$76 | -4.6% |
| Rhode Island | $2,210 | $554 | 33.5% |
| South Carolina | $1,502 | -$154 | -9.3% |
| South Dakota | $1,398 | -$258 | -15.6% |
| Tennessee | $1,448 | -$208 | -12.6% |
| Texas | $1,994 | $338 | 20.4% |
| Utah | $1,224 | -$432 | -26.1% |
| Vermont | $1,134 | -$522 | -31.5% |
| Virginia | $990 | -$666 | -40.2% |
| Washington | $1,278 | -$378 | -22.8% |
| West Virginia | $1,518 | -$138 | -8.3% |
| Wisconsin | $1,146 | -$510 | -30.8% |
| Wyoming | $1,476 | -$180 | -10.9% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,072 |
| 20 | $3,832 |
| 30 | $1,734 |
| 40 | $1,656 |
| 50 | $1,512 |
| 60 | $1,484 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,128 |
| $250 | $1,910 |
| $500 | $1,656 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,656 |
| 50/100 | $1,738 |
| 100/300 | $1,841 |
| 250/500 | $2,107 |
| 100 CSL | $1,779 |
| 300 CSL | $2,005 |
| 500 CSL | $2,169 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,684 |
| 20 | $6,088 |
| 30 | $3,674 |
| 40 | $3,584 |
| 50 | $3,418 |
| 60 | $3,388 |
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 | $89 |
| Multi-vehicle | $85 |
| Homeowner | $23 |
| 5-yr Accident Free | $126 |
| 5-yr Claim Free | $107 |
| Paid in Full/EFT | $79 |
| Advance Quote | $84 |
| Online Quote | $118 |
| Total Discounts | $711 |
Discounts are estimated and may not be available from every company or in every state.
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