Ford F-250 Super Duty Insurance Rates
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UPDATED: May 4, 2024
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Average insurance rates for a Ford F-250 Super Duty are $1,298 a year with full coverage. Comprehensive insurance costs around $228, collision insurance costs $356, and liability is $534. Liability-only coverage costs around $588 a year, and high-risk coverage costs $2,804 or more. 16-year-old drivers receive the highest rates at up to $5,108 a year.
Average premium for full coverage: $1,298
Rate estimates for individual coverage type:
Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all F-250 Super Duty models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $588 for just liability coverage to the much higher price of $2,804 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than congested cities. The example below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details average Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $771
- Raising to $1,000 deductibles will save about $132 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,298
- Buying pricier low deductibles will cost an extra $256 annually
- Drivers with multiple tickets or accidents could pay at least $2,804
- The cost for full coverage for a 16-year-old driver for full coverage can be $5,108
Car insurance rates for a Ford F-250 Super Duty can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $5,100 a year. View Rates by Age
Where you live also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$124 | -9.6% |
| Alaska | $996 | -$302 | -23.3% |
| Arizona | $1,078 | -$220 | -16.9% |
| Arkansas | $1,298 | -$0 | 0.0% |
| California | $1,480 | $182 | 14.0% |
| Colorado | $1,238 | -$60 | -4.6% |
| Connecticut | $1,334 | $36 | 2.8% |
| Delaware | $1,468 | $170 | 13.1% |
| Florida | $1,624 | $326 | 25.1% |
| Georgia | $1,198 | -$100 | -7.7% |
| Hawaii | $932 | -$366 | -28.2% |
| Idaho | $880 | -$418 | -32.2% |
| Illinois | $966 | -$332 | -25.6% |
| Indiana | $980 | -$318 | -24.5% |
| Iowa | $876 | -$422 | -32.5% |
| Kansas | $1,232 | -$66 | -5.1% |
| Kentucky | $1,770 | $472 | 36.4% |
| Louisiana | $1,924 | $626 | 48.2% |
| Maine | $802 | -$496 | -38.2% |
| Maryland | $1,072 | -$226 | -17.4% |
| Massachusetts | $1,036 | -$262 | -20.2% |
| Michigan | $2,252 | $954 | 73.5% |
| Minnesota | $1,086 | -$212 | -16.3% |
| Mississippi | $1,554 | $256 | 19.7% |
| Missouri | $1,150 | -$148 | -11.4% |
| Montana | $1,392 | $94 | 7.2% |
| Nebraska | $1,024 | -$274 | -21.1% |
| Nevada | $1,560 | $262 | 20.2% |
| New Hampshire | $936 | -$362 | -27.9% |
| New Jersey | $1,452 | $154 | 11.9% |
| New Mexico | $1,150 | -$148 | -11.4% |
| New York | $1,366 | $68 | 5.2% |
| North Carolina | $748 | -$550 | -42.4% |
| North Dakota | $1,064 | -$234 | -18.0% |
| Ohio | $896 | -$402 | -31.0% |
| Oklahoma | $1,332 | $34 | 2.6% |
| Oregon | $1,188 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$60 | -4.6% |
| Rhode Island | $1,730 | $432 | 33.3% |
| South Carolina | $1,176 | -$122 | -9.4% |
| South Dakota | $1,096 | -$202 | -15.6% |
| Tennessee | $1,136 | -$162 | -12.5% |
| Texas | $1,562 | $264 | 20.3% |
| Utah | $960 | -$338 | -26.0% |
| Vermont | $890 | -$408 | -31.4% |
| Virginia | $776 | -$522 | -40.2% |
| Washington | $1,000 | -$298 | -23.0% |
| West Virginia | $1,188 | -$110 | -8.5% |
| Wisconsin | $898 | -$400 | -30.8% |
| Wyoming | $1,156 | -$142 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $390 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $533 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,500 to $2,200 extra per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers is expensive and can cost from 43% to 128% more than the average rate. View High Risk Driver Rates
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-250 Super Duty | $362 | $656 | $420 | $1,618 |
| 2023 Ford F-250 Super Duty | $346 | $630 | $440 | $1,596 |
| 2022 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2021 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2020 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2019 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2018 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2017 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2016 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2015 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2014 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2013 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2010 Ford F-250 Super Duty | $192 | $274 | $534 | $1,180 |
Rates are averaged for all Ford F-250 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Ford F-250 Super Duty Insurance
Saving money on insurance for a Ford F-250 Super Duty consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
Below is a condensed summary of the ideas that were presented in the illustrations above.
- Teenage drivers are the costliest to insure, with premiums as much as $426 per month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents pay an average of $1,510 more every year for auto insurance
- Increasing deductibles can save around $400 each year
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,108 |
| 20 | $2,984 |
| 30 | $1,332 |
| 40 | $1,298 |
| 50 | $1,192 |
| 60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,554 |
| $250 | $1,436 |
| $500 | $1,298 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,298 |
| 50/100 | $1,538 |
| 100/300 | $1,686 |
| 250/500 | $2,071 |
| 100 CSL | $1,598 |
| 300 CSL | $1,923 |
| 500 CSL | $2,160 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,234 |
| 20 | $4,754 |
| 30 | $2,840 |
| 40 | $2,804 |
| 50 | $2,680 |
| 60 | $2,654 |
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 | $67 |
| Multi-vehicle | $70 |
| Homeowner | $22 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $51 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
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