Ford F-250 Super Duty Insurance Rates

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

Average premium for full coverage: $1,254

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below details estimated 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 average rate for a 40-year-old driver with $500 deductibles is $1,254
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,492
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,714 or more
• The cost for full coverage for a 16-year-old driver may cost $4,984 each year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age

Where you 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 $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.

View Chart as Image

Choosing high deductibles can save as much as $360 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $533 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so the rates can be significantly different from one company to the next.

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 Cheaper Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty takes avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around at every other renewal by getting price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The points below are a condensed summary of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,460 more each year to insure a Ford F-250 Super Duty
• Drivers under the age of 20 pay the highest rates, with premiums as much as $415 per month for full coverage
• You may be able to save as much as $140 per year simply by quoting early and online
• Increasing deductibles can save around $350 each year
• You may be able to save as much as $140 per year simply by quoting early and online