Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive costs around $206, collision costs $300, and liability costs $540. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing around $2,642. Teens pay the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Price estimates for individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different F-250 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $735
• Drivers who choose higher $1,000 deductibles will pay about $116 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,226
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,446
• Drivers with serious driving violations could pay at least $2,642 or more
• The price that insures a 16-year-old driver with full coverage can be $4,880 a year

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Insurance prices for a Ford F-250 Super Duty are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost from 43% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,800 a year. View Rates by Age

The state you live in makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

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Choosing higher comprehensive and collision insurance deductibles could save up to $340 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $537 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Every company calculates prices differently, so the prices may be quite 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 Find Low Cost Ford F-250 Super Duty Insurance

Getting lower rates on insurance for a Ford F-250 Super Duty not only requires being a low-risk driver, but also having above-average credit, being claim-free, and insuring your home and auto with the same company. Compare rates every year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The items below are a review of the coverage data raised in the charts and tables above.

• You may be able to save up to $140 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $325 each year
• Teen drivers pay higher prices, possibly costing $407 a month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,420 more every year to insure their F-250 Super Duty