Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage insurance. Comprehensive costs an estimated $210, collision costs $330, and liability insurance is $534. Buying just liability costs around $588 a year, with insurance for high-risk drivers costing around $2,714. Teens receive the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $748
• Raising to $1,000 deductibles will save approximately $122 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,254
• Selecting more expensive low deductibles will increase the cost to $1,492
• Higher-risk drivers with serious driving violations could pay up to $2,714 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $4,984

View Chart as Image

Auto insurance rates for a Ford F-250 Super Duty can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

Where you live 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 have to pay at least $1,700 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $533 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and quoted rates can be significantly 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 Cheaper Ford F-250 Super Duty Insurance

Saving money on Ford F-250 Super Duty insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The points below are a condensed summary of the data covered in the above illustrations.

• Drivers who want increased liability limits will pay approximately $590 annually to raise from a minimum limit to 250/500 limits
• It is possible to save approximately $140 per year simply by shopping early and online
• Increasing deductibles can save around $350 each year
• Drivers under the age of 20 are the costliest to insure, costing up to $415 per month if they have full coverage