Ford F-250 Super Duty Insurance Rates

U.S. average auto insurance rates for a Ford F-250 Super Duty are $1,226 annually for full coverage. Comprehensive costs an estimated $206, collision costs $300, and liability insurance costs $540. Buying just liability costs as little as $592 a year, with insurance for high-risk drivers costing around $2,642. Teen drivers pay the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different F-250 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. More rural locations have fewer accident claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $116 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,226
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,446
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,642 or more
• The price with full coverage for a teen driver with full coverage can cost as much as $4,880 a year

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Insurance prices for a Ford F-250 Super Duty are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $340 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $537 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Ford F-250 Super Duty insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,750 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Every company uses a different rate calculation, and prices may be quite 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 Cheaper Ford F-250 Super Duty Insurance

Getting lower rates on Ford F-250 Super Duty insurance not only requires avoiding accidents and violations, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a condensed summary of the data touched on in the above illustrations.

• Drivers who want higher liability limits will pay about $590 each year to go from a low limit to higher 250/500 limits
• Drivers can save approximately $140 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $325 each year
• Teenagers are expensive to insure, with premiums as much as $407 a month if they have full coverage