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2003 Ford F-350 Super Duty Insurance Rates

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

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 2003 Ford F-350 Super Duty are $1,144 a year for full coverage. Comprehensive costs an estimated $182 each year, collision insurance costs $198, and liability costs $564. Buying a liability-only policy costs as little as $628 a year, and high-risk insurance costs around $2,442. Teen drivers receive the highest rates at up to $4,654 a year.

Annual premium for full coverage: $1,144

Rate estimates for 2003 Ford F-350 Super Duty Insurance

Comprehensive $182
Collision $198
Liability $564

Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 a driver in their 40's, prices range range from as low as $628 for just liability insurance to a high rate of $2,442 for a driver who has had serious violations or accidents.

Liability Only $628
Full Coverage $1,144
High Risk $2,442

View Chart as Image

2003 Ford F-350 Super Duty insurance rates compared
Column chart showing 2003 Ford F-350 Super Duty insurance prices range from $708 to $4,654 for full coverage

These differences show why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

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 2003 Ford F-350 Super Duty Insurance

Searching Companies

Searching for lower insurance coverage rates for your Ford F-350 Super Duty? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Drivers have multiple insurance companies to choose from, and although it’s a good thing to have a choice, lots of choices makes it harder to get the best deal.

Cheap Insurance Coverage Comparisons

All major insurance coverage companies allow you to get prices directly from their websites. This process is fairly simple as you just type in the coverages you want as requested by the quote form. When the form is submitted, their system automatically orders information on your driving record and credit history and provides a quote based on these factors. Online quotes streamlines rate comparisons, but having to visit multiple sites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible if you want to find lower prices.

The easy way to compare rates

A more efficient way to find lower prices uses one simple form to get prices from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. As soon as you send your information, it gets priced and you are able to buy any one of the returned quotes. If a lower price is quoted, you simply finish the application and purchase coverage. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

If you want to use this form to compare rates, click here to open in new window and submit your coverage information. To compare your current rates, we recommend that you enter coverages and limits exactly as shown on your declarations page. Doing this assures you will have a rate comparison for exact coverage.

Be sure to get all your discounts

Car insurance companies don’t list every available discount very clearly, so we researched both the well known and the harder-to-find ways to save on insurance.

  • Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Claim Free – Claim-free drivers pay much less as compared to accident-prone drivers.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Own a Home – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for better insurance rates on F-350 Super Duty coverage.
  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break when shopping for insurance on F-350 Super Duty coverage.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

Drivers should understand that most discount credits are not given the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

Companies that possibly offer some of the above discounts include:

Before buying, ask each company how you can save money. All car insurance discounts might not be offered in every state.

Free Auto Insurance Comparison

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

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How do I know if I need professional advice?

When buying the best insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • If my 2003 Ford F-350 Super Duty is totaled, can I afford another vehicle?
  • When should I buy a commercial auto policy?
  • What is PIP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Where can I get insurance after a DUI in my state?
  • How much liability insurance is required?
  • Will my insurance pay for OEM parts?
  • Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance specifics

Having a good grasp of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, doctor visits and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays for damage to your F-350 Super Duty from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for liability

This protects you from damage that occurs to a person or their property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, bail bonds, court costs, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford F-350 Super Duty.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, fire damage, hitting a bird, falling objects and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Ford F-350 Super Duty Insurance Rates by City
City Premium
New York City, NY $1,803
Los Angeles, CA $1,950
Philadelphia, PA $1,526
Jacksonville, FL $1,654
Phoenix, AZ $1,324
Chicago, IL $1,534
Houston, TX $1,791
Seattle, WA $1,114
Columbus, OH $958
Indianapolis, IN $974

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Ford F-350 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $4,654
20 $2,598
30 $1,156
40 $1,144
50 $1,050
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

2003 Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,306
$250 $1,234
$500 $1,144
$1,000 $1,056

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 $1,144
50/100 $1,257
100/300 $1,398
250/500 $1,764
100 CSL $1,313
300 CSL $1,623
500 CSL $1,849

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Ford F-350 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $6,534
20 $4,130
30 $2,456
40 $2,442
50 $2,338
60 $2,310

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 $149

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $61
Homeowner $21
5-yr Accident Free $65
5-yr Claim Free $70
Paid in Full/EFT $38
Advance Quote $48
Online Quote $76
Total Discounts $436
Rate after discounts $708

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

Find companies with the cheapest rates in your area

2003 Ford F-350 Super Duty Insurance Rates by State
State Premium
Alabama $1,034
Alaska $876
Arizona $946
Arkansas $1,144
California $1,300
Colorado $1,092
Connecticut $1,174
Delaware $1,294
Florida $1,426
Georgia $1,054
Hawaii $818
Idaho $774
Illinois $852
Indiana $862
Iowa $772
Kansas $1,084
Kentucky $1,560
Louisiana $1,692
Maine $706
Maryland $944
Massachusetts $910
Michigan $1,986
Minnesota $956
Mississippi $1,370
Missouri $1,014
Montana $1,228
Nebraska $898
Nevada $1,370
New Hampshire $822
New Jersey $1,276
New Mexico $1,012
New York $1,202
North Carolina $656
North Dakota $936
Ohio $792
Oklahoma $1,172
Oregon $1,046
Pennsylvania $1,090
Rhode Island $1,524
South Carolina $1,034
South Dakota $966
Tennessee $1,000
Texas $1,378
Utah $848
Vermont $782
Virginia $684
Washington $884
West Virginia $1,048
Wisconsin $792
Wyoming $1,018

Free Auto Insurance Comparison

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