Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage insurance. Comprehensive costs an estimated $210 a year, collision costs $330, and liability coverage costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,714. Teenage drivers receive the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Rate estimates broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

These examples illustrate why it is important to compare prices for a targeted area and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $748
• Using higher $1,000 deductibles will save approximately $1,132 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,254
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,492
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,714 or more
• The cost for full coverage for a teenage driver can cost as much as $4,984 or more

View Chart as Image

Insurance rates for a Ford F-250 Super Duty can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age

Where you live has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,700 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $360 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $533 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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

Saving money on auto insurance requires having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around every year by quoting rates from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a review of the coverage data touched on above.

• It is possible to save approximately $140 per year simply by quoting early and online
• Increasing deductibles can save around $350 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $415 per month for full coverage
• Drivers who have several accidents or serious violations pay on average $1,460 more annually than a driver with a clean driving record