Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive costs on average $206, collision costs $300, and liability is $540. Buying just liability costs around $592 a year, with insurance for high-risk drivers costing around $2,642. Teens pay the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical 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

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change car insurance rates.

The ranges above highlight why everyone should compare rates quotes based on a specific location, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $735
• Raising to $1,000 deductibles will save around $116 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,226
• Selecting pricier low deductibles bumps up the cost to $1,446
• At-risk drivers with serious driving violations could pay upwards of $2,642 or more
• The price that insures a teen driver for full coverage may cost $4,880

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers is expensive and can cost as much as 43% to 136% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,800 a year. View Rates by Age

The state you live in also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $537 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and prices 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 Ford F-250 Super Duty Insurance

Getting lower rates on car insurance consists of having a good driving record, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare rates every couple of years by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief recap of the material that was illustrated above.

• Policyholders who require increased levels of liability coverage will pay approximately $590 per year to raise from a low limit to the 250/500 level
• Drivers age 20 and younger pay higher prices, possibly costing $407 a month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,420 more each year to buy Ford F-250 Super Duty insurance
• Increasing physical damage deductibles can save approximately $325 each year