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1999 Ford F-350 Super Duty Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 3, 2020

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Average insurance rates for a 1999 Ford F-350 Super Duty are $1,094 a year including full coverage. Comprehensive costs approximately $160 each year, collision costs $180, and liability insurance costs $554. Buying a liability-only policy costs as little as $620 a year, with high-risk insurance costing around $2,334. Teenage drivers receive the highest rates at $4,494 a year or more.

Annual premium for full coverage: $1,094

Rate estimates for 1999 Ford F-350 Super Duty Insurance

Comprehensive $160
Collision $180
Liability $554

Rate data is compiled from all 50 U.S. states and averaged for all 1999 Ford F-350 Super Duty models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $620 for just liability coverage to a high rate of $2,334 for a driver that may need high-risk insurance.

Liability Only $620
Full Coverage $1,094
High Risk $2,334

View Chart as Image

1999 Ford F-350 Super Duty insurance rates compared
Column chart showing 1999 Ford F-350 Super Duty insurance prices range from $680 to $4,494 for full coverage

These differences highlight why all drivers should compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1999 Ford F-350 Super Duty Insurance

Searching Companies

Perplexed by the dozens of insurance coverage options? Many other consumers are too. There are so many options that it can be more work than you anticipated to find the perfect company for you.

You need to check insurance coverage prices yearly because insurance rates tend to go up over time. Even if you got the best deal on F-350 Super Duty insurance last year the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance coverage online, so by reading this article, you’re going to learn some proven techniques to stop overpaying for insurance.

Locating the best protection is easy if you know what you’re doing. In a nutshell, everyone who has to buy insurance will more than likely be able to reduce their rates. Nevertheless, car owners must understand how the larger insurance companies determine prices.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but a few need to be requested specifically before you will receive the discount.

  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on F-350 Super Duty insurance than their less cautious counterparts.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
  • No Accidents – Good drivers with no accidents pay much less as compared to frequent claim filers.
  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any amount of discount will cut your overall premium however.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts might not apply in every state.

How to Lower Your Insurance Coverage Cost

Comparing insurance coverage rates can be challenging if you don’t utilize the most efficient way. You can waste hours talking about coverages with local insurance agents in your area, or you could use the web to get prices fast.

Many of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company returns a competitive quote. This eliminates the need for quote forms for each company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to getting quotes like this is you don’t know exactly the insurers you want pricing from. So if you want to select specific insurance companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverages and limits on every quote. If each company quotes different deductibles you can’t possibly determine the lowest rate for your Ford F-350 Super Duty. Having just a slight variation in limits could mean much higher rates. Keep in mind that quoting more will enable you to find lower pricing.

Ford F-350 Super Duty rates influenced by many factors

An important part of buying insurance is that you know the rating factors that help determine insurance rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get lower insurance prices.

  • Bad driving skills means higher rates – Drivers who don’t get tickets get better rates than bad drivers. Only having one speeding ticket can bump up the cost twenty percent or more. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you if you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can get you a discount on your insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Ford F-350 Super Duty is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • High numbers of claims are not good – Companies award lower rates to insureds who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for larger claims.

How do I know if I need professional advice?

When buying the best auto insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions might help in determining whether you will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I afford to pay high deductible claims out of pocket?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?
  • Can my teen drive my company car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my personal policy cover me when driving out-of-state?
  • What happens if I owe more than my 1999 Ford F-350 Super Duty is worth?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverage specifics

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle and hail damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for surgery, chiropractic care and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford F-350 Super Duty.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance

This coverage protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, structural damage and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your F-350 Super Duty caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, crashing into a ditch, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Save for a rainy day

Cheaper 1999 Ford F-350 Super Duty insurance can be purchased from both online companies in addition to many insurance agents, so you should compare both to have the best selection. Some insurance providers do not provide online price quotes and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage only to regret at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.

Insureds who switch companies do it for many reasons like poor customer service, being labeled a high risk driver, an unsatisfactory settlement offer or policy non-renewal. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

To read more, feel free to visit the resources below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1999 Ford F-350 Super Duty Insurance Rates by City
City Premium
New York City, NY $1,719
Los Angeles, CA $1,863
Philadelphia, PA $1,456
Jacksonville, FL $1,582
Phoenix, AZ $1,263
Chicago, IL $1,465
Houston, TX $1,711
Seattle, WA $1,061
Columbus, OH $912
Indianapolis, IN $929

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1999 Ford F-350 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $4,494
20 $2,488
30 $1,098
40 $1,094
50 $1,004
60 $980

Full coverage, $500 deductibles

Rates by Deductible

1999 Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,240
$250 $1,174
$500 $1,094
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Ford F-350 Super Duty Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,094
50/100 $1,205
100/300 $1,343
250/500 $1,703
100 CSL $1,260
300 CSL $1,565
500 CSL $1,787

Full coverage, driver age 40

Rates for High Risk Drivers

1999 Ford F-350 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $6,302
20 $3,958
30 $2,344
40 $2,334
50 $2,236
60 $2,210

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.

SR-22 Surcharge $142

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $59
Homeowner $20
5-yr Accident Free $61
5-yr Claim Free $67
Paid in Full/EFT $36
Advance Quote $45
Online Quote $72
Total Discounts $414
Rate after discounts $680

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1999 Ford F-350 Super Duty Insurance Rates by State
State Premium
Alabama $986
Alaska $836
Arizona $902
Arkansas $1,094
California $1,242
Colorado $1,044
Connecticut $1,120
Delaware $1,236
Florida $1,364
Georgia $1,006
Hawaii $784
Idaho $740
Illinois $814
Indiana $822
Iowa $740
Kansas $1,036
Kentucky $1,486
Louisiana $1,616
Maine $674
Maryland $900
Massachusetts $872
Michigan $1,894
Minnesota $912
Mississippi $1,306
Missouri $968
Montana $1,172
Nebraska $860
Nevada $1,310
New Hampshire $786
New Jersey $1,220
New Mexico $966
New York $1,146
North Carolina $628
North Dakota $894
Ohio $754
Oklahoma $1,120
Oregon $998
Pennsylvania $1,040
Rhode Island $1,458
South Carolina $988
South Dakota $922
Tennessee $954
Texas $1,316
Utah $808
Vermont $746
Virginia $654
Washington $842
West Virginia $1,000
Wisconsin $754
Wyoming $972

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