Ford F-250 Super Duty Insurance Rates

The average auto insurance rates for a Ford F-250 Super Duty are $1,254 annually for full coverage insurance. Comprehensive costs an estimated $210, collision costs $330, and liability insurance is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,714. Teen drivers cost the most to insure at $4,984 a year or more.

Average premium for full coverage: $1,254

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $748
• Raising to $1,000 deductibles will save approximately $122 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,254
• Choosing more expensive low deductibles will cost $1,492
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,714 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,984

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,900 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 $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $360 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,700 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.

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 Best Cheap Ford F-250 Super Duty Insurance

Finding cheaper rates on Ford F-250 Super Duty insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick review of the information presented in the illustrations above.

• It is possible to save approximately $140 per year simply by shopping early and online
• Teenagers have the highest car insurance rates, possibly costing $415 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $350 each year
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,460 more annually for car insurance
• Drivers who want higher liability limits will pay about $590 annually to raise from a 30/60 limit to higher 250/500 limits