Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,226 a year with full coverage. Comprehensive costs around $206, collision costs $300, and liability is $540. Buying just liability costs around $592 a year, with insurance for high-risk drivers costing around $2,642. Teens receive the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $735
• Raising to $1,000 deductibles will save about $116 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,226
• Selecting more expensive low deductibles bumps up the cost to $1,446
• Drivers with serious driving violations could pay at least $2,642 or more
• The cost that insures a 16-year-old driver with full coverage can be $4,880

View Chart as Image

Auto insurance rates for a Ford F-250 Super Duty can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

Where you live also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find rates as low as $880 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,650 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $537 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out your exact price is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates can be significantly 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 Find Cheap Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty consists of being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief summary of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, with premiums as much as $407 per month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,420 more every year than a safer driver
• Increasing deductibles can save approximately $325 each year
• You may be able to save up to $140 per year simply by shopping early and online