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

The average insurance rates for a Ford F-250 Super Duty XLT Turbo Diesel 4WD are $1,670 a year including full coverage. Comprehensive costs on average $382 a year, collision costs $634, and liability coverage costs around $454. Liability-only coverage costs as low as $538 a year, with high-risk coverage costing around $3,584. Teen drivers cost the most to insure at $6,142 a year or more.

Annual premium for full coverage: $1,670

Policy rates by individual coverage type:

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

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location impacts car insurance rates.

These price differences highlight why it is important for drivers to compare prices based on a specific location, rather than using price averages.

Use the form below to get rates for your location.

Insurance prices for a Ford F-250 Super Duty XLT Turbo Diesel 4WD also range considerably based on the model year of your F-250 Super Duty, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,900 to $2,700 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 128% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $6,100 a year. View Rates by Age

Your home state has a huge impact on Ford F-250 Super Duty XLT Turbo Diesel 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $680 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $408 more each year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied.

View Chart as Image

The chart above shows average Ford F-250 Super Duty XLT Turbo Diesel 4WD insurance prices for different risks and coverage choices. The cheapest price with discounts is $971. Drivers who choose higher $1,000 deductibles will pay $1,440. The average price for a 40-year-old male driver using $500 deductibles is $1,670. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $2,118. High risk drivers could be charged around $3,584. The cost for full coverage insurance for a teen driver can be as high as $6,142.

View Chart as Image