Ford F-250 Super Duty Insurance Rates

The average insurance prices for a Ford F-250 Super Duty are $1,298 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $228, collision insurance costs $356, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, and high-risk driver insurance costs $2,804 or more. Teens cost the most to insure at up to $5,108 a year.

Average premium for full coverage: $1,298

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all F-250 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why everyone should get quotes for a targeted area and their own driving history, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $771
• Choosing higher $1,000 deductibles can save approximately $132 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,298
• Selecting pricier low deductibles for comp and collision coverage costs an extra $256 every year
• Unlucky drivers with serious driving violations could pay up to $2,804
• Policy cost to insure a teen driver for full coverage can cost as much as $5,108 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $533 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,200 in extra premium every year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers ranges as much as 43% to 128% more than the average policy. View High Risk Driver Rates

Your home state 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 $850 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

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 Cheapest Ford F-250 Super Duty Insurance

Finding cheaper rates on car insurance takes being a good driver, having a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to shop around every year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a recap of the coverage data raised in the charts and tables above.

• It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $426 each month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,510 more annually than a safer driver