Ford F-250 Super Duty Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 4, 2024
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Average insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive insurance costs on average $206, collision costs $300, and liability is $540. A liability-only policy costs around $592 a year, with high-risk insurance costing $2,642 or more. Teen drivers receive the highest rates at $4,880 a year or more.
Average premium for full coverage: $1,226
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all F-250 Super Duty models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $592 for just liability insurance to the much higher price of $2,642 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on car insurance rates.
These examples highlight why everyone should compare rates quotes based on a specific location, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $735
- Raising to $1,000 deductibles will save around $116 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,226
- Choosing pricier low deductibles will cost an additional $220 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,642 or more
- The cost that insures a 16-year-old driver for full coverage may cost $4,880
Insurance rates for a Ford F-250 Super Duty can also vary considerably based on the model of your F-250 Super Duty, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates
A more mature driver with a clean 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 highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $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 $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,750 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,108 | -$118 | -9.6% |
| Alaska | $940 | -$286 | -23.3% |
| Arizona | $1,018 | -$208 | -17.0% |
| Arkansas | $1,226 | -$0 | 0.0% |
| California | $1,396 | $170 | 13.9% |
| Colorado | $1,168 | -$58 | -4.7% |
| Connecticut | $1,256 | $30 | 2.4% |
| Delaware | $1,386 | $160 | 13.1% |
| Florida | $1,532 | $306 | 25.0% |
| Georgia | $1,132 | -$94 | -7.7% |
| Hawaii | $880 | -$346 | -28.2% |
| Idaho | $832 | -$394 | -32.1% |
| Illinois | $910 | -$316 | -25.8% |
| Indiana | $922 | -$304 | -24.8% |
| Iowa | $824 | -$402 | -32.8% |
| Kansas | $1,162 | -$64 | -5.2% |
| Kentucky | $1,670 | $444 | 36.2% |
| Louisiana | $1,812 | $586 | 47.8% |
| Maine | $756 | -$470 | -38.3% |
| Maryland | $1,012 | -$214 | -17.5% |
| Massachusetts | $978 | -$248 | -20.2% |
| Michigan | $2,126 | $900 | 73.4% |
| Minnesota | $1,026 | -$200 | -16.3% |
| Mississippi | $1,468 | $242 | 19.7% |
| Missouri | $1,084 | -$142 | -11.6% |
| Montana | $1,314 | $88 | 7.2% |
| Nebraska | $966 | -$260 | -21.2% |
| Nevada | $1,468 | $242 | 19.7% |
| New Hampshire | $882 | -$344 | -28.1% |
| New Jersey | $1,370 | $144 | 11.7% |
| New Mexico | $1,084 | -$142 | -11.6% |
| New York | $1,290 | $64 | 5.2% |
| North Carolina | $704 | -$522 | -42.6% |
| North Dakota | $1,004 | -$222 | -18.1% |
| Ohio | $846 | -$380 | -31.0% |
| Oklahoma | $1,256 | $30 | 2.4% |
| Oregon | $1,122 | -$104 | -8.5% |
| Pennsylvania | $1,166 | -$60 | -4.9% |
| Rhode Island | $1,634 | $408 | 33.3% |
| South Carolina | $1,110 | -$116 | -9.5% |
| South Dakota | $1,036 | -$190 | -15.5% |
| Tennessee | $1,070 | -$156 | -12.7% |
| Texas | $1,476 | $250 | 20.4% |
| Utah | $906 | -$320 | -26.1% |
| Vermont | $838 | -$388 | -31.6% |
| Virginia | $734 | -$492 | -40.1% |
| Washington | $944 | -$282 | -23.0% |
| West Virginia | $1,122 | -$104 | -8.5% |
| Wisconsin | $848 | -$378 | -30.8% |
| Wyoming | $1,090 | -$136 | -11.1% |
Choosing high deductibles can reduce rates by up to $340 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $537 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2023 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2022 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2021 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2020 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2019 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2018 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2017 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2016 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2015 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2014 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2013 Ford F-250 Super Duty | $206 | $300 | $540 | $1,226 |
| 2010 Ford F-250 Super Duty | $174 | $224 | $530 | $1,108 |
Rates are averaged for all Ford F-250 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Ford F-250 Super Duty Insurance
Saving money on insurance for a Ford F-250 Super Duty consists of avoiding accidents and violations, having above-average credit, not filing small claims, and bundling your home and auto policies. Shop around at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a quick review of the concepts that were covered above.
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,420 more each year for car insurance
- Teenagers pay the highest rates, as much as $407 per month if full coverage is included
- You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $325 each year
- You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,880 |
| 20 | $2,808 |
| 30 | $1,250 |
| 40 | $1,226 |
| 50 | $1,124 |
| 60 | $1,100 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,344 |
| $500 | $1,226 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,226 |
| 50/100 | $1,457 |
| 100/300 | $1,606 |
| 250/500 | $1,994 |
| 100 CSL | $1,517 |
| 300 CSL | $1,845 |
| 500 CSL | $2,083 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,894 |
| 20 | $4,478 |
| 30 | $2,670 |
| 40 | $2,642 |
| 50 | $2,526 |
| 60 | $2,502 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $46 |
| Advance Quote | $55 |
| Online Quote | $84 |
| Total Discounts | $491 |
Discounts are estimated and may not be available from every company or in every state.
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