Ford F-250 Super Duty Insurance Rates

Estimated auto insurance rates for a Ford F-250 Super Duty are $1,254 annually with full coverage. Comprehensive insurance costs approximately $210, collision costs $330, and liability is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,714 or more. Teenage drivers pay the most at $4,984 a year or more.

Average premium for full coverage: $1,254

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 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 have significant affects on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of using average rates.

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

More Rate Information

The chart below details estimated Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save $122 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,254
• Using more expensive low deductibles for comp and collision coverage costs an additional $238 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,714 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost $4,984 each year

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Insurance prices for a Ford F-250 Super Duty also have a wide range based on the model of your F-250 Super Duty, your driving record, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance ranges as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $360 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $533 more each year. View Rates by Deductible or Liability Limit

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 $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,700 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices will be substantially different between companies.

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 Buy the Cheapest Ford F-250 Super Duty Insurance

Finding better rates on car insurance takes being a safe and courteous driver, having good credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around every year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below is a recap of the coverage data touched on above.

• You may be able to save around $140 per year simply by shopping early and online
• Increasing policy deductibles could save up to $350 each year
• Teenage drivers are the costliest to insure, possibly costing $415 per month if they have full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,460 more per year for auto insurance