Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,298 a year for full coverage. Comprehensive insurance costs an estimated $228, collision costs $356, and liability is estimated at $534. Buying just liability costs approximately $588 a year, with insurance for high-risk drivers costing $2,804 or more. Teenage drivers cost the most to insure at $5,108 a year or more.

Average premium for full coverage: $1,298

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $771
• Choosing higher $1,000 deductibles can save approximately $132 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,298
• Using more expensive low deductibles for comp and collision coverage will cost an additional $256 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,804 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,108 each year

View Chart as Image

Insurance rates for a Ford F-250 Super Duty also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

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 $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $390 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $533 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates will be varied.

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 the Best Ford F-250 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-250 Super Duty takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices once a year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a brief recap of the data that was touched on above.

• Drivers can save approximately $150 per year simply by shopping early and online
• Insureds who want higher liability limits will pay an extra $590 each year to raise limits from a 30/60 limit to the 250/500 level
• Teenagers are charged the highest rates, costing up to $426 each month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,510 more annually for car insurance