Ford F-250 Super Duty Insurance Rates

The average insurance prices for a Ford F-250 Super Duty are $1,254 every 12 months for full coverage insurance. Comprehensive costs an estimated $210, collision costs $330, and liability insurance is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,714. Teenage 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:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both 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

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $748
• Raising to $1,000 deductibles will save approximately $122 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,254
• Using pricier low deductibles increases the price to $1,492
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,714 or more
• Policy cost to insure a teen driver for full coverage can cost as much as $4,984

View Chart as Image

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.

Using high physical damage deductibles can reduce rates by up to $360 each 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 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,900 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 $2,100 additional every year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

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 be forced to pay 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 regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and 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 Shop for Low Cost Ford F-250 Super Duty Insurance

Finding cheaper rates on Ford F-250 Super Duty insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a review of the concepts that were presented in the illustrations above.

• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,460 more annually for car insurance
• Teenagers are expensive to insure, possibly costing $415 each month if full coverage is included
• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date