Ford F-250 Super Duty Insurance Rates

The average auto insurance rates for a Ford F-250 Super Duty are $1,254 annually including full coverage. Comprehensive insurance costs an estimated $210, collision insurance costs $330, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs $2,714 or more. Teen drivers cost the most to insure at up to $4,984 a year.

Average premium for full coverage: $1,254

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $748
• Using higher $1,000 deductibles will save approximately $122 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,254
• Choosing more expensive low deductibles for physical damage coverage costs an additional $238 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,714
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,984 or more

View Chart as Image

Insurance rates for a Ford F-250 Super Duty also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $360 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $533 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Affordable Ford F-250 Super Duty Insurance

Finding cheaper rates on Ford F-250 Super Duty insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the car insurance concepts covered in the above illustrations.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,460 more annually for car insurance
• You may be able to save approximately $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers who want higher liability limits will pay about $590 per year to increase from a 30/60 limit to higher 250/500 limits