Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,298 a year for full coverage insurance. Comprehensive insurance costs on average $228, collision insurance costs $356, and liability costs around $534. Buying just liability costs as low as $588 a year, and insurance for high-risk drivers costs $2,804 or more. Teenage drivers receive the highest rates at up to $5,108 a year.

Average premium for full coverage: $1,298

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all F-250 Super Duty models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

These examples illustrate why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $771
• Using higher $1,000 deductibles will save around $132 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,298
• Using pricier low deductibles for physical damage coverage will cost an extra $256 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,804
• The cost for full coverage for a 16-year-old driver for full coverage may cost $5,108 or more

View Chart as Image

Auto 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 policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $5,100 a year. View Rates by Age

Where you live has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $390 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $533 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,200 in extra premium per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

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 More Affordable Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

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

• It is possible to save as much as $150 per year just by quoting online well ahead of the renewal date
• Teenagers are charged the highest rates, costing up to $426 per month if they have full coverage
• Increasing deductibles can save around $400 each year
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,510 more each year for car insurance
• Insureds who require higher liability limits will pay an extra $590 annually to increase from a minimum limit to 250/500 limits