Ford F-350 Super Duty XL Crew Cab 2WD Insurance Rates

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Estimated insurance prices for a Ford F-350 Super Duty XL Crew Cab 2WD are $1,476 every 12 months including full coverage. Comprehensive insurance costs approximately $382 a year, collision costs $572, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing $3,150 or more. Teen drivers pay the most at $5,280 a year or more.

Annual premium for full coverage: $1,476

Premium estimates by individual coverage type:

Comprehensive $382
Collision $572
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford F-350 Super Duty Trim Level

For an average driver, insurance rates for a Ford F-350 Super Duty XL Crew Cab 2WD go from the cheapest price of $430 for basic liability insurance to a high of $3,150 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,476
High Risk $3,150

These rate differences highlight why it is important for drivers to compare prices using their specific location and their own driving history, rather than 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-350 Super Duty XL Crew Cab 2WD Insurance

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Insurance rates for a Ford F-350 Super Duty XL Crew Cab 2WD also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the replacement cost of your F-350 Super Duty.

Choosing high deductibles could cut rates by as much as $640 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford F-350 Super Duty XL Crew Cab 2WD insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the rates will be substantially different.

View Chart as Image

Ford F-350 Super Duty XL Crew Cab 2WD insurance cost comparison chart
Column chart showing Ford F-350 Super Duty XL Crew Cab 2WD insurance prices range from $857 to $5,280 for full coverage

The chart above shows average Ford F-350 Super Duty XL Crew Cab 2WD insurance rates for different coverage choices and risks. The cheapest rate with discounts is $857. Drivers who choose higher $1,000 deductibles will pay $1,258. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,476. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,892. High risk drivers could be charged up to $3,150. The cost for full coverage for a teenager can be as high as $5,280.

Ford F-350 Super Duty XL Crew Cab 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$142 -9.6%
Alaska $1,130 -$346 -23.4%
Arizona $1,226 -$250 -16.9%
Arkansas $1,476 -$0 0.0%
California $1,682 $206 14.0%
Colorado $1,410 -$66 -4.5%
Connecticut $1,518 $42 2.8%
Delaware $1,670 $194 13.1%
Florida $1,846 $370 25.1%
Georgia $1,364 -$112 -7.6%
Hawaii $1,060 -$416 -28.2%
Idaho $998 -$478 -32.4%
Illinois $1,098 -$378 -25.6%
Indiana $1,110 -$366 -24.8%
Iowa $996 -$480 -32.5%
Kansas $1,402 -$74 -5.0%
Kentucky $2,014 $538 36.4%
Louisiana $2,184 $708 48.0%
Maine $910 -$566 -38.3%
Maryland $1,218 -$258 -17.5%
Massachusetts $1,180 -$296 -20.1%
Michigan $2,564 $1,088 73.7%
Minnesota $1,234 -$242 -16.4%
Mississippi $1,768 $292 19.8%
Missouri $1,310 -$166 -11.2%
Montana $1,584 $108 7.3%
Nebraska $1,164 -$312 -21.1%
Nevada $1,770 $294 19.9%
New Hampshire $1,064 -$412 -27.9%
New Jersey $1,650 $174 11.8%
New Mexico $1,306 -$170 -11.5%
New York $1,554 $78 5.3%
North Carolina $850 -$626 -42.4%
North Dakota $1,208 -$268 -18.2%
Ohio $1,018 -$458 -31.0%
Oklahoma $1,516 $40 2.7%
Oregon $1,352 -$124 -8.4%
Pennsylvania $1,408 -$68 -4.6%
Rhode Island $1,968 $492 33.3%
South Carolina $1,338 -$138 -9.3%
South Dakota $1,244 -$232 -15.7%
Tennessee $1,292 -$184 -12.5%
Texas $1,778 $302 20.5%
Utah $1,092 -$384 -26.0%
Vermont $1,010 -$466 -31.6%
Virginia $884 -$592 -40.1%
Washington $1,142 -$334 -22.6%
West Virginia $1,352 -$124 -8.4%
Wisconsin $1,022 -$454 -30.8%
Wyoming $1,314 -$162 -11.0%

View Chart as Image

Ford F-350 Super Duty XL Crew Cab 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-350 Super Duty XL Crew Cab 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,280
20 $3,340
30 $1,548
40 $1,476
50 $1,342
60 $1,314

Full coverage, $500 deductibles

Rates by Deductible

Ford F-350 Super Duty XL Crew Cab 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,892
$250 $1,700
$500 $1,476
$1,000 $1,258

Full coverage, driver age 40

Rates by Liability Limit

Ford F-350 Super Duty XL Crew Cab 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,476
50/100 $1,549
100/300 $1,640
250/500 $1,876
100 CSL $1,585
300 CSL $1,785
500 CSL $1,931

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-350 Super Duty XL Crew Cab 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,542
20 $5,298
30 $3,230
40 $3,150
50 $3,000
60 $2,970

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.

SR-22 Surcharge $197

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $73
Homeowner $20
5-yr Accident Free $108
5-yr Claim Free $94
Paid in Full/EFT $68
Advance Quote $72
Online Quote $105
Total Discounts $619
Rate after discounts $857

Discounts are estimated and may not be available from every company or in every state.

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