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2009 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 2009 Ford F-350 Super Duty are $1,334 a year for full coverage. Comprehensive insurance costs approximately $226 a year, collision costs $316, and liability coverage costs $592. Buying a liability-only policy costs as little as $652 a year, with high-risk insurance costing $2,866 or more. Teen drivers receive the highest rates at $5,306 a year or more.

Annual premium for full coverage: $1,334

Rate estimates for 2009 Ford F-350 Super Duty Insurance

Comprehensive $226
Collision $316
Liability $592

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 middle-aged driver, prices range go from as low as $652 for the bare minimum liability coverage to a high of $2,866 for a high risk driver.

Liability Only $652
Full Coverage $1,334
High Risk $2,866

View Chart as Image

2009 Ford F-350 Super Duty insurance rates compared
Column chart showing 2009 Ford F-350 Super Duty insurance prices range from $804 to $5,306 for full coverage

These differences show why it is important for drivers to compare rates using their specific location and risk profile, rather than using 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 2009 Ford F-350 Super Duty Insurance

Searching Companies

Searching for lower car insurance rates for your Ford F-350 Super Duty? Locating low-cost insurance for a Ford F-350 Super Duty can be a lot of work, but you can use these tips to make it easier.

There is a better way to compare car insurance rates so you’re going to learn the proper way to compare rates for a Ford and get the best price possible from local insurance agents and online providers.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find the best rates while maintaining coverages. Locating affordable protection is simple if you know the tricks. Consumers just need to know the proper way to buy auto insurance online.

The best way to get policy rate comparisons is to realize most insurance companies have advanced systems to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details including what you do for a living, your education level, if it has an alarm system, and how you use your vehicles. Your details is then submitted to multiple companies and they return cost estimate very quickly.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be asked about before being credited. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Passive Restraints – Vehicles with factory air bags can receive discounts of 20% or more.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for F-350 Super Duty coverage than less cautious drivers.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Distant Student – Children who live away from home and do not have access to a covered vehicle can receive lower rates.

It’s important to note that some credits don’t apply the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will cut your premiums.

Car insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Savings may not apply in your state.

Tailor your coverage to you

When buying proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • How much underlying liability do I need for an umbrella policy?
  • Is a blown tire covered by insurance?
  • Am I covered when pulling a rental trailer?
  • When would I need rental car insurance?
  • When can my company non-renew my policy?
  • How can I find cheaper teen driver insurance?

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If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage considerations

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Liability auto insurance

This coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your F-350 Super Duty resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for surgery, hospital visits, X-ray expenses, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, rock chips in glass and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Ford F-350 Super Duty Insurance Rates by City
City Premium
New York City, NY $2,100
Los Angeles, CA $2,277
Philadelphia, PA $1,778
Jacksonville, FL $1,933
Phoenix, AZ $1,546
Chicago, IL $1,786
Houston, TX $2,088
Seattle, WA $1,298
Columbus, OH $1,113
Indianapolis, IN $1,135

Need a specific model?

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Rates by Driver Age

2009 Ford F-350 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $5,306
20 $3,048
30 $1,358
40 $1,334
50 $1,222
60 $1,196

Full coverage, $500 deductibles

Rates by Deductible

2009 Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,460
$500 $1,334
$1,000 $1,210

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 $1,334
50/100 $1,452
100/300 $1,600
250/500 $1,985
100 CSL $1,512
300 CSL $1,837
500 CSL $2,074

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Ford F-350 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $7,490
20 $4,856
30 $2,898
40 $2,866
50 $2,742
60 $2,710

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $72
Homeowner $23
5-yr Accident Free $83
5-yr Claim Free $84
Paid in Full/EFT $50
Advance Quote $59
Online Quote $91
Total Discounts $530
Rate after discounts $804

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

Find companies with the cheapest rates in your area

2009 Ford F-350 Super Duty Insurance Rates by State
State Premium
Alabama $1,202
Alaska $1,022
Arizona $1,104
Arkansas $1,334
California $1,518
Colorado $1,270
Connecticut $1,368
Delaware $1,506
Florida $1,666
Georgia $1,228
Hawaii $954
Idaho $904
Illinois $992
Indiana $1,004
Iowa $902
Kansas $1,266
Kentucky $1,816
Louisiana $1,972
Maine $822
Maryland $1,100
Massachusetts $1,064
Michigan $2,314
Minnesota $1,116
Mississippi $1,596
Missouri $1,182
Montana $1,432
Nebraska $1,048
Nevada $1,598
New Hampshire $960
New Jersey $1,488
New Mexico $1,178
New York $1,400
North Carolina $766
North Dakota $1,092
Ohio $920
Oklahoma $1,366
Oregon $1,220
Pennsylvania $1,270
Rhode Island $1,776
South Carolina $1,208
South Dakota $1,124
Tennessee $1,166
Texas $1,606
Utah $988
Vermont $910
Virginia $796
Washington $1,030
West Virginia $1,220
Wisconsin $922
Wyoming $1,186

Free Auto Insurance Comparison

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