Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year with full coverage. Comprehensive costs around $206, collision costs $300, and liability costs $540. A policy with only liability insurance costs as little as $592 a year, with a high-risk policy costing around $2,642. 16-year-old drivers pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.

The price range example below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

More Rate Information

The chart below details estimated Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $735
• Drivers who choose higher $1,000 deductibles will pay about $116 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,226
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,446
• Drivers with multiple tickets or accidents could pay at least $2,642 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $4,880 a year

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

An older driver with no driving violations and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or at least $1,650 on average in Florida, Michigan, and New York.

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Opting for high physical damage deductibles could save up to $340 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $537 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost from 43% to 136% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to compare prices from multiple companies. Every company utilizes a different rate formula, so rate quotes will be substantially 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 Low Cost Ford F-250 Super Duty Insurance

Finding better rates on insurance for a Ford F-250 Super Duty not only requires being safe and accident-free, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a review of the car insurance concepts touched on above.

• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,420 more every year than a low-risk driver
• You may be able to save up to $140 per year simply by shopping early and online
• Increasing policy deductibles can save around $325 each year
• Insureds who may need more liability protection will pay around $590 every year to go from 30/60 bodily injury limits to 250/500 limits