Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,254 a year including full coverage. Comprehensive insurance costs approximately $210, collision insurance costs $330, and liability coverage is $534. A policy with just liability insurance costs around $588 a year, and coverage for high-risk drivers costs $2,714 or more. Teen drivers receive the highest rates at up to $4,984 a year.

Average premium for full coverage: $1,254

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all F-250 Super Duty models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.

These examples highlight why everyone should compare rates quotes using their specific location and risk profile, rather than using price averages.

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

Additional Rate Details

The chart below breaks down average Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $748
• Raising to $1,000 deductibles will save $122 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,254
• Choosing pricier low deductibles will cost an extra $238 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,714
• The cost for full coverage for a teenage driver for full coverage can cost $4,984

View Chart as Image

Insurance rates for a Ford F-250 Super Duty can also vary considerably based on your driver profile, the model of your F-250 Super Duty, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Where you live also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,790 on average in Louisiana, New York, and Michigan.

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Choosing high deductibles can reduce rates by up to $360 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $533 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates

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

Saving money on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The next list is a review of the information touched on in this article.

• You may be able to save around $140 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are the costliest to insure, as much as $415 per month including comprehensive and collision insurance
• Increasing deductibles can save around $350 each year
• Drivers who have several accidents or serious violations could be forced to pay on average $1,460 more per year to buy Ford F-250 Super Duty insurance
• Consumers who purchase increased levels of liability coverage will pay about $590 per year to raise from a minimum limit to 250/500 limits