Ford F-250 Super Duty Insurance Rates

Estimated insurance prices for a Ford F-250 Super Duty are $1,254 every 12 months for full coverage. Comprehensive insurance costs an estimated $210 a year, collision costs $330, and liability costs $534. Liability-only insurance costs as little as $588 a year, with high-risk driver insurance costing $2,714 or more. Teen drivers pay the most at $4,984 a year or more.

Average premium for full coverage: $1,254

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 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 insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows estimated 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 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,254
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $238 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,714 or more
• An auto insurance policy to insure 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 physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

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

Older drivers with no violations or accidents and higher 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, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $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

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 $830 a year in states like Iowa, Maine, and Idaho, or as much as $1,790 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from multiple companies. Every company uses a different rate calculation, and prices will be substantially different.

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 better rates on insurance for a Ford F-250 Super Duty not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting rates from direct carriers, and also from several local insurance agents.

Below is a review of the concepts that were covered above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,460 more annually for auto insurance
• Teenage drivers are expensive to insure, as much as $415 per month if full coverage is included
• Drivers can save approximately $140 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $350 each year
• Drivers can save approximately $140 per year simply by quoting early and online