Ford F-250 Super Duty Insurance Rates

U.S. average auto insurance rates for a Ford F-250 Super Duty are $1,226 annually with full coverage. Comprehensive costs approximately $206, collision costs $300, and liability insurance costs around $540. Buying just liability costs as low as $592 a year, with insurance for high-risk drivers costing around $2,642. Teens pay the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all F-250 Super Duty models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $735
• Using higher $1,000 deductibles will save $116 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,226
• Selecting pricier low deductibles for physical damage coverage will cost $1,446
• Drivers with serious driving violations could pay around $2,642 or more
• The price with full coverage for a teen driver for full coverage can cost $4,880 or more

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Insurance prices for a Ford F-250 Super Duty are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional each year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $537 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see prices as low as $880 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,650 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, and prices may be quite different 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 Affordable Ford F-250 Super Duty Insurance

Getting lower rates on Ford F-250 Super Duty insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the coverage data touched on in the above illustrations.

• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $325 each year
• Youthful drivers are the costliest to insure, costing up to $407 a month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,420 more per year than a low-risk driver