Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage. Comprehensive costs an estimated $206 a year, collision costs $300, and liability costs $540. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing around $2,642. Teen 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:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and F-250 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why it is important to compare rates for a targeted area and risk profile, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $1,110 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,226
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,446
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,642 or more
• The price for full coverage for a teen driver can cost as much as $4,880 a year

View Chart as Image

Insurance prices for a Ford F-250 Super Duty are also quite variable based on your driving record, the trim level of your F-250 Super Duty, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay 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 $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $340 every year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $537 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 136% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see which company has the best price. Every company uses a different rate calculation, so the prices may be quite 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 Cheap Ford F-250 Super Duty Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at every other renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a brief summary of the concepts that were covered above.

• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,420 more annually to buy Ford F-250 Super Duty insurance
• Drivers age 20 and younger are charged the highest prices, with premiums as much as $407 a month for full coverage
• Drivers can save approximately $140 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $325 each year
• Drivers can save approximately $140 per year simply by quoting early and online