Ford F-350 Super Duty Insurance Rates
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UPDATED: May 22, 2024
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The average insurance prices for a Ford F-350 Super Duty are $1,376 every 12 months including full coverage. Comprehensive costs on average $244, collision insurance costs $340, and liability coverage costs $592. Buying just liability costs as little as $652 a year, and insurance for high-risk drivers costs around $2,956. Teens cost the most to insure at up to $5,428 a year.
Average premium for full coverage: $1,376
Policy rates by type of insurance:
Includes $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different F-350 Super Duty trim levels.
Price Range Variability
For a driver around age 40, Ford F-350 Super Duty insurance rates range from the cheapest price of $652 for your basic liability-only policy to a much higher rate of $2,956 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using averaged prices.
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 breaks down average Ford F-350 Super Duty insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $825
- Drivers who choose higher $1,000 deductibles will pay around $134 every year
- The average price for a good driver age 40 with $500 deductibles is $1,376
- Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,630
- High-risk insureds with serious driving violations could pay upwards of $2,956
- Policy cost to insure a teenage driver with full coverage may cost $5,428 a year
Insurance rates for a Ford F-350 Super Duty also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your F-350 Super Duty.
Choosing higher comprehensive and collision insurance deductibles could save up to $390 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 130% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Ford F-350 Super Duty insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,960 on average in Michigan, New York, and Louisiana.
| 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% |
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 Shop for the Cheapest Ford F-350 Super Duty Insurance
Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Set aside time to compare rates every year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.
Below is a recap of the coverage data covered above.
- You may be able to save as much as $160 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- Teenage drivers pay the highest rates, with premiums being up to $452 each month if they have full coverage
- Drivers that have major violations or accidents may pay on average $1,580 more each year for auto insurance
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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