Ford F-250 Super Duty Insurance Rates

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

Average premium for full coverage: $1,226

Policy rates for type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist 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 can have significant affects on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities.

The example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why everyone should compare rates quotes for a specific zip code, instead of using rate averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $735
• Raising to $1,000 deductibles will save about $116 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,226
• Buying pricier low deductibles bumps up the cost to $1,446
• At-risk drivers with multiple tickets or accidents could pay at least $2,642 or more
• Policy cost that insures a teen driver for full coverage can be $4,880

View Chart as Image

Insurance rates for a Ford F-250 Super Duty also range considerably based on the model of your F-250 Super Duty, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $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 as much as 43% to 136% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

Your home state also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find rates as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $340 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $537 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, 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 Find Low Cost Ford F-250 Super Duty Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having a good credit score, being claim-free, and taking advantage of discounts. Comparison shop every time your policy renews by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a review of the information covered in the charts and tables above.

• It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger are charged the highest rates, possibly costing $407 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,420 more every year to buy Ford F-250 Super Duty insurance
• Policyholders who may need increased levels of liability coverage will pay around $590 annually to raise from a 30/60 limit to the 250/500 level