Ford F-350 Super Duty Insurance Rates
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UPDATED: May 22, 2024
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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
For an average driver, Ford F-350 Super Duty insurance rates go from the low end price of $652 for your basic liability-only policy to a high rate of $2,956 for a driver that may need high-risk insurance.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,242 | -$134 | -9.7% |
Alaska | $1,054 | -$322 | -23.4% |
Arizona | $1,140 | -$236 | -17.2% |
Arkansas | $1,376 | -$0 | 0.0% |
California | $1,566 | $190 | 13.8% |
Colorado | $1,312 | -$64 | -4.7% |
Connecticut | $1,412 | $36 | 2.6% |
Delaware | $1,556 | $180 | 13.1% |
Florida | $1,718 | $342 | 24.9% |
Georgia | $1,268 | -$108 | -7.8% |
Hawaii | $986 | -$390 | -28.3% |
Idaho | $932 | -$444 | -32.3% |
Illinois | $1,022 | -$354 | -25.7% |
Indiana | $1,036 | -$340 | -24.7% |
Iowa | $932 | -$444 | -32.3% |
Kansas | $1,304 | -$72 | -5.2% |
Kentucky | $1,872 | $496 | 36.0% |
Louisiana | $2,034 | $658 | 47.8% |
Maine | $850 | -$526 | -38.2% |
Maryland | $1,134 | -$242 | -17.6% |
Massachusetts | $1,098 | -$278 | -20.2% |
Michigan | $2,388 | $1,012 | 73.5% |
Minnesota | $1,152 | -$224 | -16.3% |
Mississippi | $1,646 | $270 | 19.6% |
Missouri | $1,220 | -$156 | -11.3% |
Montana | $1,478 | $102 | 7.4% |
Nebraska | $1,082 | -$294 | -21.4% |
Nevada | $1,648 | $272 | 19.8% |
New Hampshire | $988 | -$388 | -28.2% |
New Jersey | $1,536 | $160 | 11.6% |
New Mexico | $1,216 | -$160 | -11.6% |
New York | $1,446 | $70 | 5.1% |
North Carolina | $790 | -$586 | -42.6% |
North Dakota | $1,126 | -$250 | -18.2% |
Ohio | $950 | -$426 | -31.0% |
Oklahoma | $1,410 | $34 | 2.5% |
Oregon | $1,258 | -$118 | -8.6% |
Pennsylvania | $1,312 | -$64 | -4.7% |
Rhode Island | $1,832 | $456 | 33.1% |
South Carolina | $1,246 | -$130 | -9.4% |
South Dakota | $1,158 | -$218 | -15.8% |
Tennessee | $1,202 | -$174 | -12.6% |
Texas | $1,654 | $278 | 20.2% |
Utah | $1,020 | -$356 | -25.9% |
Vermont | $940 | -$436 | -31.7% |
Virginia | $822 | -$554 | -40.3% |
Washington | $1,062 | -$314 | -22.8% |
West Virginia | $1,260 | -$116 | -8.4% |
Wisconsin | $952 | -$424 | -30.8% |
Wyoming | $1,224 | -$152 | -11.0% |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Ford F-350 Super Duty | $390 | $626 | $466 | $1,682 |
2023 Ford F-350 Super Duty | $372 | $600 | $488 | $1,660 |
2022 Ford F-350 Super Duty | $356 | $596 | $498 | $1,650 |
2021 Ford F-350 Super Duty | $344 | $582 | $520 | $1,646 |
2020 Ford F-350 Super Duty | $332 | $558 | $536 | $1,626 |
2019 Ford F-350 Super Duty | $314 | $538 | $554 | $1,606 |
2018 Ford F-350 Super Duty | $302 | $500 | $564 | $1,566 |
2017 Ford F-350 Super Duty | $290 | $470 | $570 | $1,530 |
2016 Ford F-350 Super Duty | $278 | $422 | $574 | $1,474 |
2014 Ford F-350 Super Duty | $250 | $364 | $580 | $1,394 |
2013 Ford F-350 Super Duty | $244 | $340 | $592 | $1,376 |
2010 Ford F-350 Super Duty | $206 | $262 | $592 | $1,260 |
Rates are averaged for all Ford F-350 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
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
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,428 |
20 | $3,138 |
30 | $1,404 |
40 | $1,376 |
50 | $1,260 |
60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,630 |
$250 | $1,514 |
$500 | $1,376 |
$1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,376 |
50/100 | $1,371 |
100/300 | $1,489 |
250/500 | $1,797 |
100 CSL | $1,418 |
300 CSL | $1,679 |
500 CSL | $1,869 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,670 |
20 | $5,002 |
30 | $2,990 |
40 | $2,956 |
50 | $2,826 |
60 | $2,794 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $71 |
Multi-vehicle | $74 |
Homeowner | $24 |
5-yr Accident Free | $87 |
5-yr Claim Free | $87 |
Paid in Full/EFT | $52 |
Advance Quote | $62 |
Online Quote | $94 |
Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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