Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive costs an estimated $206, collision insurance costs $300, and liability is estimated at $540. A policy with only liability insurance costs approximately $592 a year, and a high-risk policy costs around $2,642. Teenage drivers pay the most at up to $4,880 a year.

Average premium for full coverage: $1,226

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save approximately $116 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,226
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,446
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,642
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $4,880 each year

View Chart as Image

Car insurance prices for a Ford F-250 Super Duty also have a wide range based on your driving characteristics, the model of your F-250 Super Duty, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged 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 $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $340 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $537 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance ranges from 43% to 136% more than a normal policy. 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 the Cheapest Ford F-250 Super Duty Insurance

Finding better rates on insurance for a Ford F-250 Super Duty takes being a good driver, having above-average credit, refrain from filing small claims, and possibly higher deductibles. Take the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the concepts that were covered in the above illustrations.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,420 more annually than a safer driver
• Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $407 per month if full coverage is included
• You may be able to save approximately $140 per year just by shopping early and online
• Increasing policy deductibles can save around $325 each year
• You may be able to save approximately $140 per year just by shopping early and online