Ford F-250 Super Duty Insurance Rates

The average auto insurance rates for a Ford F-250 Super Duty are $1,226 annually for full coverage insurance. Comprehensive insurance costs around $206, collision insurance costs $300, and liability insurance costs around $540. Buying just liability costs as low as $592 a year, and insurance for high-risk drivers costs $2,642 or more. Teen drivers cost the most to insure at up to $4,880 a year.

Average premium for full coverage: $1,226

Policy rates for type of insurance:

Prices include $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all F-250 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save about $116 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,226
• Choosing pricier low deductibles for physical damage coverage costs an additional $220 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,642
• Policy cost with full coverage for a teen driver for full coverage can be $4,880 or more

View Chart as Image

Insurance rates for a Ford F-250 Super Duty also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra every year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be anywhere from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $340 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $537 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see rates as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

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 the Right Ford F-250 Super Duty Insurance

Finding cheaper rates on Ford F-250 Super Duty insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick rundown of the material that was presented in the illustrations above.

• Drivers who may need higher levels of liability will pay about $590 annually to increase from a 30/60 limit to higher 250/500 limits
• Teenage drivers pay higher rates, possibly costing $407 each month including comprehensive and collision insurance
• High-risk drivers with reckless driving or DUI convictions pay on average $1,420 more every year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year