Ford F-350 Super Duty Insurance Rates

The average insurance rates for a Ford F-350 Super Duty are $1,334 a year including full coverage. Comprehensive costs on average $226 each year, collision costs $316, and liability insurance costs around $592. Liability-only insurance costs as low as $652 a year, with high-risk driver insurance costing around $2,866. 16-year-old drivers cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,334

Policy rates by type of insurance:

Includes $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and F-350 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above highlight why all drivers should compare prices based on a specific location, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Ford F-350 Super Duty insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $804
• Using higher $1,000 deductibles will save around $124 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,334
• Buying low deductibles for physical damage coverage bumps up the cost to $1,568
• Drivers with multiple tickets or accidents could pay upwards of $2,866 or more
• Policy cost that insures a teen driver may cost $5,306 or more

View Chart as Image

Auto insurance rates for a Ford F-350 Super Duty also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $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 $1,020 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,900 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $360 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates will be varied.

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 Cheapest Ford F-350 Super Duty Insurance

Finding cheaper rates on Ford F-350 Super Duty insurance requires not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at every policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following is a recap of the data presented in the illustrations above.

• Drivers who require higher liability limits will pay around $650 per year to increase from a 30/60 limit to the 250/500 level
• You may be able to save as much as $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Teens are charged the highest rates, with premiums being up to $442 each month if the policy includes full coverage