Ford F-350 Super Duty Insurance Rates

The average insurance rates for a Ford F-350 Super Duty are $1,376 a year for full coverage insurance. Comprehensive insurance costs approximately $244 each year, collision costs $340, and liability costs around $592. Buying just liability costs as low as $652 a year, with insurance for high-risk drivers costing $2,956 or more. 16-year-old drivers cost the most to insure at $5,428 a year or more.

Average premium for full coverage: $1,376

Policy rates by type of insurance:

Rates 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 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location, instead of using rate averages.

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

More Rate Information

The chart below illustrates estimated Ford F-350 Super Duty insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $825
• Using higher $1,000 deductibles will save $134 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,376
• Buying low deductibles for physical damage coverage will cost an additional $254 every year
• Drivers with multiple tickets or accidents could pay around $2,956 or more
• Policy cost that insures a teen driver can cost $5,428 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state has a huge impact on Ford F-350 Super Duty insurance prices. A driver around age 40 might see rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,860 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $390 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, so the 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 Best Cheap Ford F-350 Super Duty Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and maximizing policy discounts. Comparison shop once a year by getting quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a quick review of the data that was covered in the above illustrations.

• It is possible to save around $160 per year simply by quoting online in advance
• Policyholders who purchase increased liability limits will pay around $650 annually to increase from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, possibly costing $452 each month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,580 more per year to insure a Ford F-350 Super Duty