Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,254 a year with full coverage. Comprehensive costs on average $210 a year, 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. 16-year-old drivers pay the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and F-250 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why it is important to compare rates quotes based on a specific location, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $748
• Raising to $1,000 deductibles will save around $1,132 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,254
• Buying low $100 deductibles bumps up the cost to $1,492
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,714 or more
• The price that insures a teen driver may cost $4,984

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age

The state you live in also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or at least $1,700 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $360 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $533 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and 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 Cheaper Ford F-250 Super Duty Insurance

Getting lower rates on Ford F-250 Super Duty insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every other policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The following items are a condensed summary of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers pay higher prices, costing up to $415 a month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents pay on average $1,460 more each year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $350 each year
• You may be able to save as much as $140 per year simply by quoting early and online