Ford F-250 Super Duty Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Ford F-250 Super Duty are $1,254 annually with full coverage. Comprehensive costs on average $210 a year, collision insurance costs $330, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, and high-risk coverage costs around $2,714. Teen drivers pay the highest rates at up to $4,984 a year.
Average premium for full coverage: $1,254
Price estimates by individual coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and F-250 Super Duty trim levels.
Price Range from Low to High
For the normal driver, Ford F-250 Super Duty insurance prices range from as cheap as $588 for the bare minimum liability coverage to a high of $2,714 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can have significant affects on auto insurance rates. Rural areas have fewer collision claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.
The ranges above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details average Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $748
- Choosing higher $1,000 deductibles can save around $1,132 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,254
- Choosing low $100 deductibles for comp and collision coverage will cost $1,492
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,714
- The price with full coverage for a teen driver may cost $4,984 each year
Auto 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 policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $360 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $533 extra every year. View Rates by Deductible or Liability Limit
The state you live in 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 $900 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,700 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$120 | -9.6% |
| Alaska | $964 | -$290 | -23.1% |
| Arizona | $1,042 | -$212 | -16.9% |
| Arkansas | $1,254 | -$0 | 0.0% |
| California | $1,430 | $176 | 14.0% |
| Colorado | $1,198 | -$56 | -4.5% |
| Connecticut | $1,290 | $36 | 2.9% |
| Delaware | $1,420 | $166 | 13.2% |
| Florida | $1,572 | $318 | 25.4% |
| Georgia | $1,160 | -$94 | -7.5% |
| Hawaii | $902 | -$352 | -28.1% |
| Idaho | $850 | -$404 | -32.2% |
| Illinois | $934 | -$320 | -25.5% |
| Indiana | $948 | -$306 | -24.4% |
| Iowa | $848 | -$406 | -32.4% |
| Kansas | $1,192 | -$62 | -4.9% |
| Kentucky | $1,714 | $460 | 36.7% |
| Louisiana | $1,860 | $606 | 48.3% |
| Maine | $776 | -$478 | -38.1% |
| Maryland | $1,036 | -$218 | -17.4% |
| Massachusetts | $1,002 | -$252 | -20.1% |
| Michigan | $2,178 | $924 | 73.7% |
| Minnesota | $1,050 | -$204 | -16.3% |
| Mississippi | $1,504 | $250 | 19.9% |
| Missouri | $1,114 | -$140 | -11.2% |
| Montana | $1,348 | $94 | 7.5% |
| Nebraska | $990 | -$264 | -21.1% |
| Nevada | $1,506 | $252 | 20.1% |
| New Hampshire | $906 | -$348 | -27.8% |
| New Jersey | $1,406 | $152 | 12.1% |
| New Mexico | $1,110 | -$144 | -11.5% |
| New York | $1,322 | $68 | 5.4% |
| North Carolina | $724 | -$530 | -42.3% |
| North Dakota | $1,028 | -$226 | -18.0% |
| Ohio | $866 | -$388 | -30.9% |
| Oklahoma | $1,288 | $34 | 2.7% |
| Oregon | $1,152 | -$102 | -8.1% |
| Pennsylvania | $1,198 | -$56 | -4.5% |
| Rhode Island | $1,674 | $420 | 33.5% |
| South Carolina | $1,138 | -$116 | -9.3% |
| South Dakota | $1,062 | -$192 | -15.3% |
| Tennessee | $1,098 | -$156 | -12.4% |
| Texas | $1,512 | $258 | 20.6% |
| Utah | $928 | -$326 | -26.0% |
| Vermont | $860 | -$394 | -31.4% |
| Virginia | $750 | -$504 | -40.2% |
| Washington | $968 | -$286 | -22.8% |
| West Virginia | $1,152 | -$102 | -8.1% |
| Wisconsin | $868 | -$386 | -30.8% |
| Wyoming | $1,118 | -$136 | -10.8% |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-250 Super Duty | $346 | $630 | $440 | $1,596 |
| 2023 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2022 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2021 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2020 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2019 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2018 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2017 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2016 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2015 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2014 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2013 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2010 Ford F-250 Super Duty | $180 | $250 | $534 | $1,144 |
Rates are averaged for all Ford F-250 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Ford F-250 Super Duty Insurance
Getting lower rates on car insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at least every other year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a review of the car insurance concepts presented in the illustrations above.
- Higher risk drivers who have several accidents or serious violations pay an average of $1,460 more each year to insure their F-250 Super Duty
- You may be able to save as much as $140 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $350 each year
- Policyholders who require more liability coverage will pay about $590 every year to raise limits from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,984 |
| 20 | $2,890 |
| 30 | $1,286 |
| 40 | $1,254 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,384 |
| $500 | $1,254 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,254 |
| 50/100 | $1,490 |
| 100/300 | $1,638 |
| 250/500 | $2,023 |
| 100 CSL | $1,550 |
| 300 CSL | $1,875 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,052 |
| 20 | $4,606 |
| 30 | $2,746 |
| 40 | $2,714 |
| 50 | $2,596 |
| 60 | $2,570 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
