Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage insurance. Comprehensive insurance costs an estimated $206, collision insurance costs $300, and liability is estimated at $540. Liability-only insurance costs approximately $592 a year, and high-risk driver insurance costs $2,642 or more. Teens cost the most to insure at up to $4,880 a year.

Average premium for full coverage: $1,226

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save approximately $116 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,226
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $220 annually
• Higher-risk drivers with serious driving violations could pay up to $2,642
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,880 each year

View Chart as Image

Auto insurance rates for a Ford F-250 Super Duty also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age

Your home state 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 $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,650 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $537 extra every year. View Rates by Deductible or Liability Limit

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 the Best Ford F-250 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-250 Super Duty takes being a good driver, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare rates at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief recap of the primary concepts that were touched on above.

• It is possible to save approximately $140 per year just by shopping early and online
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,420 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $407 each month if the policy includes full coverage