Ford F-350 Super Duty Insurance Rates

The average insurance rates for a Ford F-350 Super Duty are $1,334 a year for full coverage insurance. Comprehensive insurance costs around $226 a year, collision insurance costs $316, and liability insurance costs around $592. Liability-only coverage costs as low as $652 a year, and high-risk coverage costs $2,866 or more. Teenage drivers cost the most to insure at up to $5,306 a year.

Average premium for full coverage: $1,334

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and F-350 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

More Rate Information

The chart below illustrates average Ford F-350 Super Duty insurance rates for additional coverage choices and driver risks.

• The best discount rate is $804
• Using higher $1,000 deductibles will save about $1,210 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,334
• Using low $100 deductibles for physical damage coverage will cost an extra $234 a year
• Drivers who are prone to accidents and violations could pay at least $2,866
• Policy cost for full coverage for a teen driver can be $5,306 or more

View Chart as Image

Insurance rates for a Ford F-350 Super Duty also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

Your home state has a huge impact on Ford F-350 Super Duty insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,800 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $360 each year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 134% 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 Affordable Ford F-350 Super Duty Insurance

Finding cheaper rates on Ford F-350 Super Duty insurance requires being safe and accident-free, having a good credit history, being claim-free, and deciding if full coverage is necessary. Spend time shopping around once a year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the data that was touched on above.

• It is possible to save up to $150 per year just by quoting early and online
• Drivers who may need more liability protection will pay an extra $650 annually to increase from a 30/60 limit to 250/500 limits
• Youthful drivers are charged the highest rates, possibly costing $442 each month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,530 more every year than a low-risk driver