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2012 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 2012 Ford F-350 Super Duty are $1,422 a year including full coverage. Comprehensive costs approximately $260, collision insurance costs $388, and liability costs around $574. Buying a liability-only policy costs as low as $638 a year, and high-risk insurance costs around $3,062. Teenage drivers receive the highest rates at up to $5,564 a year.

Annual premium for full coverage: $1,422

Rate estimates for 2012 Ford F-350 Super Duty Insurance

Comprehensive $260
Collision $388
Liability $574

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 $638 for basic liability insurance to the much higher price of $3,062 for a driver who has had serious violations or accidents.

Liability Only $638
Full Coverage $1,422
High Risk $3,062

View Chart as Image

2012 Ford F-350 Super Duty insurance rates compared
Column chart showing 2012 Ford F-350 Super Duty insurance prices range from $847 to $5,564 for full coverage

These differences highlight why everyone should compare prices using their specific location and risk profile, instead of using 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 2012 Ford F-350 Super Duty Insurance

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Want better car insurance rates for your Ford F-350 Super Duty? Having to pay for overpriced Ford F-350 Super Duty insurance can dwindle your checking account, especially in this economy. Comparing price quotes is a great way to slash your bill and have more diposable income. Many insurers compete for your business, and because of this it can be hard to compare car insurance companies to get the lowest rate

If you have a current car insurance policy or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. Finding affordable coverage is not rocket science. Drivers only need to know how to find the lowest price on the web.

Ford F-350 Super Duty insurance rates can be determined by these details

Smart consumers have a good feel for some of the elements that play a part in calculating your insurance rates. Understanding what influences your rates enables informed choices that will entitle you to lower insurance prices.

Shown below are a few of the “ingredients” insurance companies consider when setting prices.

  • Higher deductibles cost less – Physical damage insurance, also known as collision and other-than-collision, protects your Ford from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and windstorm damage. The deductibles are the amount of money you are required to spend before a claim is paid by your company. The more the insured has to pay upfront, the lower your rates will be for F-350 Super Duty coverage.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Proper usage rating affects rates – Driving more miles in a year’s time the more you will pay for insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your F-350 Super Duty may be costing you. Double check that your insurance coverage shows the proper vehicle usage.
  • Men are more aggressive – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are worse drivers. They both cause accidents in similar numbers, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.

How to Get Insurance Coverage Comparison Quotes

Most companies provide coverage prices online. The process is pretty easy as you just type in your coverage information into the quote form. After you submit the form their rating system will order credit information and your driving record and returns pricing information. This helps simplify price comparisons, but the time required to go to different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

The easiest way to lower your insurance coverage bill utilizes a single form that gets prices from multiple companies. This type of form saves time, requires less work, and makes price shopping online much more enjoyable and efficient. After sending the form, it is rated and you can choose your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process takes less than 15 minutes and may result in a nice savings.

If you want to find out if lower rates are available, click here to open in a new tab and begin entering your coverage information. If you currently have coverage, we recommend that you enter the coverage information identical to your current policy. This way, you’re receiving rate comparison quotes using the exact same coverages.

Save on 2012 Ford F-350 Super Duty insurance

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied at the time of purchase, but some may not be applied and must be requested specifically before they will apply. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • No Accidents – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Resident Student – Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will cut your premiums.

For a list of insurance companies offering auto insurance discounts, click this link.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • When does my teenage driver need to be added to my policy?
  • What discounts do I qualify for?
  • Where can I get insurance after a DUI in my state?
  • Is extra glass coverage worth it?
  • What exactly is covered by my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my camper covered by my car insurance policy?
  • Is my 2012 Ford F-350 Super Duty covered for flood damage?
  • Does my insurance cover my expensive audio equipment?

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If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Learn about auto insurance coverages for a 2012 Ford F-350 Super Duty

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.


This can cover injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others, 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. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as medical services, pain and suffering, bail bonds, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This covers damage to your F-350 Super Duty caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford F-350 Super Duty.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like pain medications, ambulance fees, nursing services, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hitting a deer, theft and rock chips in glass. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Knowledge is power

When you buy insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at the best price while still protecting your assets.

We just presented a lot of techniques to save on 2012 Ford F-350 Super Duty insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance comes from a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

To learn more, feel free to browse the resources below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Ford F-350 Super Duty Insurance Rates by City
City Premium
New York City, NY $2,244
Los Angeles, CA $2,430
Philadelphia, PA $1,898
Jacksonville, FL $2,058
Phoenix, AZ $1,652
Chicago, IL $1,904
Houston, TX $2,226
Seattle, WA $1,383
Columbus, OH $1,188
Indianapolis, IN $1,211

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Ford F-350 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $5,564
20 $3,256
30 $1,458
40 $1,422
50 $1,300
60 $1,274

Full coverage, $500 deductibles

Rates by Deductible

2012 Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,574
$500 $1,422
$1,000 $1,274

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 $1,422
50/100 $1,537
100/300 $1,680
250/500 $2,053
100 CSL $1,594
300 CSL $1,910
500 CSL $2,140

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Ford F-350 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $7,874
20 $5,184
30 $3,104
40 $3,062
50 $2,926
60 $2,896

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 $193

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $76
Homeowner $24
5-yr Accident Free $93
5-yr Claim Free $90
Paid in Full/EFT $56
Advance Quote $65
Online Quote $98
Total Discounts $575
Rate after discounts $847

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

Find companies with the cheapest rates in your area

2012 Ford F-350 Super Duty Insurance Rates by State
State Premium
Alabama $1,284
Alaska $1,090
Arizona $1,180
Arkansas $1,422
California $1,620
Colorado $1,356
Connecticut $1,460
Delaware $1,608
Florida $1,774
Georgia $1,312
Hawaii $1,018
Idaho $964
Illinois $1,058
Indiana $1,072
Iowa $962
Kansas $1,348
Kentucky $1,936
Louisiana $2,106
Maine $878
Maryland $1,172
Massachusetts $1,136
Michigan $2,468
Minnesota $1,190
Mississippi $1,702
Missouri $1,260
Montana $1,528
Nebraska $1,118
Nevada $1,704
New Hampshire $1,024
New Jersey $1,588
New Mexico $1,260
New York $1,496
North Carolina $818
North Dakota $1,164
Ohio $982
Oklahoma $1,458
Oregon $1,302
Pennsylvania $1,356
Rhode Island $1,896
South Carolina $1,288
South Dakota $1,202
Tennessee $1,246
Texas $1,712
Utah $1,052
Vermont $970
Virginia $850
Washington $1,098
West Virginia $1,304
Wisconsin $984
Wyoming $1,268

Free Auto Insurance Comparison

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