Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive insurance costs around $206, collision insurance costs $300, and liability insurance costs $540. A policy with just liability insurance costs as little as $592 a year, and coverage for high-risk drivers costs $2,642 or more. Teenage drivers pay the highest rates at up to $4,880 a year.

Average premium for full coverage: $1,226

Price estimates for individual coverage:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. 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 the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down average Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.

• The best discount rate is $735
• Drivers who choose higher $1,000 deductibles will pay about $116 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,226
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $220 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,642
• The price that insures a teen driver with full coverage can be $4,880 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,800 a year. View Rates by Age

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 $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $340 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $537 more per 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 Cheap Ford F-250 Super Duty Insurance

Getting lower rates on Ford F-250 Super Duty insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Compare prices once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The items below are a brief summary of the data that was raised in the charts and tables above.

• You may be able to save up to $140 per year just by shopping early and online
• Drivers who may need more liability coverage will pay an extra $590 per year to go from a low limit to the 250/500 level
• Teen drivers pay higher prices, possibly costing $407 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,420 more every year to insure their F-250 Super Duty