Ford F-250 Super Duty Insurance Rates

Estimated insurance prices for a Ford F-250 Super Duty are $1,254 every 12 months for full coverage insurance. Comprehensive costs approximately $210 a year, collision costs $330, and liability insurance costs around $534. A policy with only liability insurance costs as low as $588 a year, with a high-risk policy costing around $2,714. Teens pay the most at $4,984 a year or more.

Average premium for full coverage: $1,254

Premium estimates by type of coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $748
• Using higher $1,000 deductibles will save $1,132 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,254
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,492
• Drivers with serious driving violations could pay around $2,714 or more
• An auto insurance policy to insure a teen driver can cost $4,984 or more

View Chart as Image

Car insurance prices for a Ford F-250 Super Duty also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your F-250 Super Duty.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $360 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,700 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from as many companies as possible. Each insurance company calculates prices differently, so rate quotes will be substantially different.

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 Shop for the Best Cheap Ford F-250 Super Duty Insurance

Finding better rates on Ford F-250 Super Duty insurance requires being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to comparison shop at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick review of the concepts that were touched on in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,460 more per year to insure their F-250 Super Duty
• Teen drivers pay the highest auto insurance prices, with premiums being up to $415 per month if the policy includes full coverage
• It is possible to save around $140 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $350 each year
• It is possible to save around $140 per year simply by quoting early and online