Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,298 a year for full coverage insurance. Comprehensive costs an estimated $228, collision costs $356, and liability insurance is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,804. Teenage drivers pay the most at $5,108 a year or more.

Average premium for full coverage: $1,298

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying 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 other coverage scenarios.

• The best discount rate is $771
• Raising to $1,000 deductibles will save approximately $132 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,298
• Using more expensive low deductibles bumps up the cost to $1,554
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,804 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $5,108

View Chart as Image

Auto insurance prices for a Ford F-250 Super Duty also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find prices as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $390 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $533 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted 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 Find More Affordable Ford F-250 Super Duty Insurance

Finding better rates on Ford F-250 Super Duty insurance consists of being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a summary of the information presented in the illustrations above.

• It is possible to save approximately $150 per year simply by shopping early and online
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $426 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $400 each year
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,510 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay an extra $590 annually to raise from 30/60 bodily injury limits to the 250/500 level