Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,226 a year with full coverage. Comprehensive costs an estimated $206 each year, collision costs $300, and liability costs $540. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing around $2,642. Teenage drivers pay the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and F-250 Super Duty models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above demonstrate why all drivers should compare rates for a targeted area, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details estimated Ford F-250 Super Duty insurance rates for other coverage scenarios.

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $116 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,226
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,446
• Drivers who are prone to accidents and violations could pay up to $2,642 or more
• The price that insures a 16-year-old driver can cost as much as $4,880 a year

View Chart as Image

Car insurance prices for a Ford F-250 Super Duty are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

The state you live in makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,650 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $340 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $537 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so rate quotes may be quite 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 the Best Cheap Ford F-250 Super Duty Insurance

Getting lower rates on insurance for a Ford F-250 Super Duty not only requires avoiding accidents and violations, but also having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices at every other renewal by requesting quotes from direct companies, and also from insurance agencies where you live.

The list below is a quick review of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,420 more annually for car insurance
• Teenagers have the highest car insurance prices, costing up to $407 a month if full coverage is purchased
• You may be able to save approximately $140 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $325 each year
• You may be able to save approximately $140 per year simply by quoting online in advance