Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage. Comprehensive costs an estimated $206, collision costs $300, and liability is estimated at $540. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing around $2,642. 16-year-old drivers pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The example below illustrates how rural and urban location affects insurance prices.

These rate differences show why everyone should get quotes for a targeted area and risk profile, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save approximately $116 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,226
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,446
• Unlucky drivers with multiple tickets or accidents could pay up to $2,642 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $4,880 each 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 of your F-250 Super Duty, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age

Where you choose to live 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 $810 a year in states like Iowa, Maine, and Idaho, or at least $1,750 on average in New York, Louisiana, and Michigan.

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Opting for high physical damage deductibles can save as much as $340 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $537 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra annually, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers ranges as much as 43% to 136% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices will be substantially different from one company to the next.

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 Right Ford F-250 Super Duty Insurance

Finding better rates on car insurance takes avoiding accidents and claims, maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a quick rundown of the information raised in the charts and tables above.

• Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 are charged the highest prices, as much as $407 per month for full coverage
• Increasing policy deductibles can save around $325 each year
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,420 more annually to insure a Ford F-250 Super Duty
• Policyholders who want increased liability limits will pay around $590 each year to raise limits from 30/60 bodily injury limits to 250/500 limits