Ford F-250 Super Duty Insurance Rates
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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
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Estimated insurance prices for a Ford F-250 Super Duty are $1,226 every 12 months for full coverage. Comprehensive costs an estimated $206, collision insurance costs $300, and liability is estimated at $540. A policy with only liability insurance costs approximately $592 a year, and a high-risk policy costs around $2,642. Teen drivers pay the most at up to $4,880 a year.
Average premium for full coverage: $1,226
Premium estimates broken down by type of coverage:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different F-250 Super Duty trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford F-250 Super Duty range from the cheapest price of $592 for basic liability insurance to a much higher rate of $2,642 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.
These rate differences show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below shows average Ford F-250 Super Duty insurance rates for other coverage scenarios.
- The lowest rate with discounts is $735
- Choosing higher $1,000 deductibles can save approximately $116 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,226
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,446
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,642
- An auto insurance policy to insure a 16-year-old driver with full coverage can cost as much as $4,880 each year
Car insurance prices for a Ford F-250 Super Duty also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Choosing high deductibles can save as much as $340 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $537 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance ranges from 43% to 136% more than average. View High Risk Driver Rates
Where you choose to 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 as much as $1,750 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,108 | -$118 | -9.6% |
| Alaska | $940 | -$286 | -23.3% |
| Arizona | $1,018 | -$208 | -17.0% |
| Arkansas | $1,226 | -$0 | 0.0% |
| California | $1,396 | $170 | 13.9% |
| Colorado | $1,168 | -$58 | -4.7% |
| Connecticut | $1,256 | $30 | 2.4% |
| Delaware | $1,386 | $160 | 13.1% |
| Florida | $1,532 | $306 | 25.0% |
| Georgia | $1,132 | -$94 | -7.7% |
| Hawaii | $880 | -$346 | -28.2% |
| Idaho | $832 | -$394 | -32.1% |
| Illinois | $910 | -$316 | -25.8% |
| Indiana | $922 | -$304 | -24.8% |
| Iowa | $824 | -$402 | -32.8% |
| Kansas | $1,162 | -$64 | -5.2% |
| Kentucky | $1,670 | $444 | 36.2% |
| Louisiana | $1,812 | $586 | 47.8% |
| Maine | $756 | -$470 | -38.3% |
| Maryland | $1,012 | -$214 | -17.5% |
| Massachusetts | $978 | -$248 | -20.2% |
| Michigan | $2,126 | $900 | 73.4% |
| Minnesota | $1,026 | -$200 | -16.3% |
| Mississippi | $1,468 | $242 | 19.7% |
| Missouri | $1,084 | -$142 | -11.6% |
| Montana | $1,314 | $88 | 7.2% |
| Nebraska | $966 | -$260 | -21.2% |
| Nevada | $1,468 | $242 | 19.7% |
| New Hampshire | $882 | -$344 | -28.1% |
| New Jersey | $1,370 | $144 | 11.7% |
| New Mexico | $1,084 | -$142 | -11.6% |
| New York | $1,290 | $64 | 5.2% |
| North Carolina | $704 | -$522 | -42.6% |
| North Dakota | $1,004 | -$222 | -18.1% |
| Ohio | $846 | -$380 | -31.0% |
| Oklahoma | $1,256 | $30 | 2.4% |
| Oregon | $1,122 | -$104 | -8.5% |
| Pennsylvania | $1,166 | -$60 | -4.9% |
| Rhode Island | $1,634 | $408 | 33.3% |
| South Carolina | $1,110 | -$116 | -9.5% |
| South Dakota | $1,036 | -$190 | -15.5% |
| Tennessee | $1,070 | -$156 | -12.7% |
| Texas | $1,476 | $250 | 20.4% |
| Utah | $906 | -$320 | -26.1% |
| Vermont | $838 | -$388 | -31.6% |
| Virginia | $734 | -$492 | -40.1% |
| Washington | $944 | -$282 | -23.0% |
| West Virginia | $1,122 | -$104 | -8.5% |
| Wisconsin | $848 | -$378 | -30.8% |
| Wyoming | $1,090 | -$136 | -11.1% |
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 | $332 | $626 | $450 | $1,588 |
| 2023 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2022 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2021 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2020 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2019 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2018 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2017 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2016 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2015 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2014 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2013 Ford F-250 Super Duty | $206 | $300 | $540 | $1,226 |
| 2010 Ford F-250 Super Duty | $174 | $224 | $530 | $1,108 |
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 Shop for Low Cost Ford F-250 Super Duty Insurance
Finding better rates on insurance for a Ford F-250 Super Duty takes having a good driving record, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Take the time to compare rates every year by getting rate quotes from direct carriers, and also from several local insurance agents.
The next list is a review of the coverage data covered in the above illustrations.
- Drivers can save approximately $140 per year just by shopping early and online
- Increasing policy deductibles could save as much as $325 each year
- Drivers age 20 and younger have the highest car insurance prices, as much as $407 per month if the policy includes full coverage
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,420 more annually to buy Ford F-250 Super Duty insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,880 |
| 20 | $2,808 |
| 30 | $1,250 |
| 40 | $1,226 |
| 50 | $1,124 |
| 60 | $1,100 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,344 |
| $500 | $1,226 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,226 |
| 50/100 | $1,457 |
| 100/300 | $1,606 |
| 250/500 | $1,994 |
| 100 CSL | $1,517 |
| 300 CSL | $1,845 |
| 500 CSL | $2,083 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,894 |
| 20 | $4,478 |
| 30 | $2,670 |
| 40 | $2,642 |
| 50 | $2,526 |
| 60 | $2,502 |
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 | $63 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $46 |
| Advance Quote | $55 |
| Online Quote | $84 |
| Total Discounts | $491 |
Discounts are estimated and may not be available from every company or in every state.
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