Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage. Comprehensive insurance costs an estimated $206 a year, collision costs $300, and liability is estimated at $540. A liability-only policy costs approximately $592 a year, with high-risk insurance costing $2,642 or more. Teens receive the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Rate estimates broken down by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

These examples show why it is important to get quotes for a targeted area, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save approximately $1,110 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,226
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $220 every year
• Unlucky drivers with serious driving violations could pay up to $2,642 or more
• The cost that insures a teen driver can cost as much as $4,880 each year

View Chart as Image

Insurance rates for a Ford F-250 Super Duty can also vary considerably based on the trim level of your F-250 Super Duty, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 136% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford F-250 Super Duty insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $537 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, so the rates can be significantly 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

Saving money on car insurance takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Compare rates at least once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the primary concepts that were presented in the illustrations above.

• Drivers can save approximately $140 per year simply by quoting early and online
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,420 more annually than a driver with a clean driving record
• Increasing deductibles can save approximately $325 each year
• 16 to 18-year-old drivers are charged the highest rates, costing as high as $407 per month if full coverage is included