Ford F-250 Super Duty Insurance Rates

Estimated insurance prices for a Ford F-250 Super Duty are $1,226 every 12 months for full coverage. Comprehensive insurance costs on average $206 each year, collision costs $300, and liability is $540. Liability-only coverage costs around $592 a year, with high-risk coverage costing $2,642 or more. Teenage drivers pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates by type of coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $735
• Raising to $1,000 deductibles will save around $116 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,226
• Using low deductibles costs an extra $220 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,642 or more
• An auto insurance policy to insure a 16-year-old driver may cost $4,880

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Insurance prices for a Ford F-250 Super Duty also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your F-250 Super Duty.

Using high physical damage deductibles can reduce prices by up to $340 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $537 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find prices as low as $810 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially 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 Shop for the Best Cheap Ford F-250 Super Duty Insurance

Finding better rates on insurance for a Ford F-250 Super Duty consists of being a low-risk driver, having good credit, not filing small claims, and bundling your home and auto policies. Spend time shopping around at every policy renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

The items below are a quick review of the data touched on above.

• Insureds who require more liability coverage will pay an extra $590 each year to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers can save as much as $140 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $325 each year
• Teen drivers pay the highest prices, as much as $407 per month if they have full coverage