Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,254 a year with full coverage. Comprehensive insurance costs on average $210 each year, collision costs $330, and liability coverage is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,714 or more. Teen drivers pay the most at $4,984 a year or more.

Average premium for full coverage: $1,254

Premium estimates by type of coverage:

Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why all drivers should get quotes based on a specific location, rather than using price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details estimated Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $748
• Choosing higher $1,000 deductibles can save around $122 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,254
• Choosing low deductibles for comp and collision coverage will cost an additional $238 each year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,714 or more
• An auto insurance policy that insures a teenage driver may cost $4,984 each year

View Chart as Image

Insurance prices for a Ford F-250 Super Duty also have a wide range based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford F-250 Super Duty insurance rates. A good driver about age 40 could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,700 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $360 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $533 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Ford F-250 Super Duty Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around at every policy renewal by quoting rates from direct companies, and also from several local insurance agents.

Below is a condensed summary of the data covered in the above illustrations.

• Consumers who require higher levels of liability will pay about $590 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
• You may be able to save as much as $140 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $350 each year
• Teenage drivers pay higher prices, possibly costing $415 per month if comprehensive and collision insurance is included