Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage insurance. Comprehensive insurance costs on average $206 a year, collision costs $300, and liability costs around $540. A liability-only policy costs as low as $592 a year, with high-risk insurance costing $2,642 or more. Teenage drivers receive the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save around $1,110 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,226
• Using low $100 deductibles for physical damage coverage will cost an extra $220 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,642 or more
• The cost for full coverage for a 16-year-old driver may cost $4,880 or more

View Chart as Image

Insurance rates for a Ford F-250 Super Duty can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,800 a year. View Rates by Age

Where you live has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see rates as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $340 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $537 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 136% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay 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.

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 More Affordable Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty requires having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Spend time shopping around every year by getting price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a summary of the coverage data touched on above.

• It is possible to save as much as $140 per year simply by quoting early and online
• Increasing deductibles can save around $325 each year
• Drivers age 20 and younger pay the highest rates, costing up to $407 per month for full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,420 more each year to buy Ford F-250 Super Duty insurance