Ford F-250 Super Duty Insurance Rates

Estimated insurance prices for a Ford F-250 Super Duty are $1,226 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $206 a year, collision costs $300, and liability costs $540. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing $2,642 or more. 16-year-old drivers pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates broken down by type of coverage:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 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 the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities.

The diagram below illustrates how location impacts insurance prices.

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

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

Additional Rate Analysis

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

• The best full coverage rate is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $1,110 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,226
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $220 annually
• Drivers with multiple tickets or accidents could pay up to $2,642 or more
• An auto insurance policy to insure a 16-year-old driver can cost as much as $4,880 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 risk profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $340 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $537 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 $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 136% more than the average rate. 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 $800 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,650 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Every company utilizes a different rate formula, 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 the Cheapest Ford F-250 Super Duty Insurance

Finding better rates on insurance for a Ford F-250 Super Duty not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The items below are a recap of the data that was touched on above.

• It is possible to save approximately $140 per year simply by quoting early and online
• Insureds who want more liability coverage will pay around $590 annually to go from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are expensive to insure, with premiums being up to $407 per month if full coverage is included
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,420 more annually to insure their F-250 Super Duty