Ford F-250 Super Duty Insurance Rates

U.S. average auto insurance rates for a Ford F-250 Super Duty are $1,226 annually including full coverage. Comprehensive costs an estimated $206, collision costs $300, and liability costs around $540. Liability-only insurance costs as low 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:

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all F-250 Super Duty models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

The ranges above highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save approximately $116 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,226
• Using pricier low deductibles for physical damage coverage will cost $1,446
• Drivers who are prone to accidents and violations could pay up to $2,642 or more
• The price with full coverage for a teen driver for full coverage can cost as much as $4,880 or more

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

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury 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

The state you live in has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see prices as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,750 on average in Louisiana, New York, and Michigan.

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Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy Cheaper Ford F-250 Super Duty Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to shop around at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a condensed summary of the concepts that were illustrated above.

• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,420 more annually for auto insurance
• Teenage drivers have the highest car insurance prices, possibly costing $407 a month if comprehensive and collision insurance is included
• You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $325 each year
• You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date