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

Average insurance rates for a Ford F-350 Super Duty XLT Crew Cab Lariat 2WD are $1,566 a year including full coverage. Comprehensive costs an estimated $410 a year, collision costs $634, and liability costs around $364. Only liability insurance costs as low as $430 a year, with high-risk insurance costing around $3,350. Teenage drivers receive the highest rates at $5,568 a year or more.

Annual premium for full coverage: $1,566

Rate estimates broken down 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-350 Super Duty Trim Level

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These differences highlight why it is important for drivers to compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Insurance rates for a Ford F-350 Super Duty XLT Crew Cab Lariat 2WD can also vary considerably based on your driver profile, the replacement cost of your F-350 Super Duty, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,500 a year. View Rates by Age

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

Using high physical damage deductibles could cut rates by as much as $700 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

View Chart as Image

The chart above shows average Ford F-350 Super Duty XLT Crew Cab Lariat 2WD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $902. Drivers who use higher $1,000 deductibles will pay around $1,330. The average rate for a driver around age 40 using $500 deductibles is $1,566. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $2,024. Drivers with multiple violations and accidents could be charged as much as $3,350. The cost for full coverage insurance for a teenage driver can be as high as $5,568.

View Chart as Image