Ford F-250 Super Duty Insurance Rates

The average auto insurance rates for a Ford F-250 Super Duty are $1,254 annually for full coverage. Comprehensive insurance costs an estimated $210 each year, collision costs $330, and liability coverage is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing $2,714 or more. 16-year-old drivers cost the most to insure at $4,984 a year or more.

Average premium for full coverage: $1,254

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and F-250 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.

The graphic below illustrates how location impacts insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $748
• Raising to $1,000 deductibles will save approximately $122 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,254
• Buying low deductibles costs an additional $238 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,714 or more
• Policy cost with full coverage for a teenage driver can cost as much as $4,984

View Chart as Image

Car insurance rates for a Ford F-250 Super Duty also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged 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 could be paying $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $360 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find rates as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,790 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied between companies.

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 Cheap Ford F-250 Super Duty Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief summary of the information touched on above.

• Drivers can save approximately $140 per year simply by quoting online in advance
• Youthful drivers have the highest car insurance rates, costing up to $415 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,460 more annually than a low-risk driver
• Consumers who want more liability protection will pay around $590 each year to raise from a 30/60 limit to higher 250/500 limits