Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,254 a year with full coverage. Comprehensive costs an estimated $210 a year, collision insurance costs $330, and liability costs $534. Liability-only insurance costs as little as $588 a year, and high-risk driver insurance costs around $2,714. Teen drivers pay the most at up to $4,984 a year.

Average premium for full coverage: $1,254

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $748
• Drivers who choose higher $1,000 deductibles will pay approximately $1,132 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,254
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,492
• Drivers with multiple violations and an at-fault accident could pay up to $2,714
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,984 a year

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Insurance prices for a Ford F-250 Super Duty also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,700 on average in New York, Michigan, and Florida.

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Choosing high deductibles could save up to $360 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $533 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than average. View High Risk Driver Rates

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 Low Cost Ford F-250 Super Duty Insurance

Finding better rates on insurance for a Ford F-250 Super Duty not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and possibly raising deductibles. Invest the time to compare rates every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a review of the information presented in the illustrations above.

• You may be able to save approximately $140 per year just by quoting early and online
• Teenage drivers are expensive to insure, possibly costing $415 per month including comprehensive and collision insurance
• Increasing policy deductibles can save around $350 each year
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,460 more annually for auto insurance
• Insureds who want higher levels of liability will pay about $590 every year to go from 30/60 bodily injury limits to 250/500 limits