2013 Ford F-350 Super Duty Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Trying to find lower insurance rates for your Ford F-350 Super Duty? Did a good deal turn into an expensive insurance policy? It’s a common feeling and there are many consumers feeling the pinch from expensive insurance.

Because you have many choices, it can be challenging to find the best insurer.

Finding affordable coverage is quite easy. In a nutshell, everyone who is required by state law to have auto insurance should be able to lower their premiums. Nevertheless, drivers do need to know how the larger insurance companies compete online and apply this information to your search.

Smart buyers can lower their insurance costs

Many factors are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but other criteria are less apparent such as your credit history or your vehicle rating. An important part of buying insurance is that you know the factors that aid in calculating your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that could result in lower premium levels.

  • Costs are affected by your address – Living in a rural area may provide you with better prices when buying insurance. Less people means a lower chance of having an accident in addition to lower liability claims Urban drivers tend to have congested traffic and higher rates of accident claims. More time on the road translates into higher accident risk.
  • Liability safeguards assets – The liability coverage on your policy is the protection if ever a jury decides you are liable for damages from an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive compared to comp and collision, so do not skimp.
  • If you don’t need it don’t buy it – There are quite a few add-on coverages that can add up if you aren’t careful. Coverage for things like rental car coverage, death and dismemberment, and extra life insurance coverage are some examples. They may seem like a good idea initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Gender is a factor – Over time, data shows that women are safer drivers than men. It does not mean males are worse at driving than females. Women and men tend to get into fender benders at about the same rate, but men tend to have higher claims. They also receive more major tickets like DUI and reckless driving.
  • Save money with higher physical damage deductibles – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Ford. Some examples of claims that would be covered could be collision with another vehicle, hail damage, and windstorm damage. Comp and collision deductibles define how much you are required to spend out-of-pocket if the claim is covered. The more of the claim you are required to pay out-of-pocket, the lower your rates will be on F-350 Super Duty coverage.
  • Better rates on safer vehicles – Cars with five star safety ratings can get you lower premiums. Highly rated vehicles reduce occupant injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.

Take advantage of with these discounts

Car insurance companies don’t always advertise their entire list of discounts in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden discounts that you can inquire about if you buy insurance online. If you are not receiving all the discounts possible, you’re just leaving money on the table.

  • Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper because newer models are generally safer.
  • Senior Citizen Rates – Older drivers may receive better insurance coverage rates on F-350 Super Duty coverage.
  • Discount for Low Mileage – Driving less could be rewarded with lower prices due to less chance of an accident.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more on F-350 Super Duty coverage compared to accident prone drivers.
  • Accident Free – Drivers who stay claim-free pay less when compared to accident-prone drivers.

Please keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any amount of discount will help lower your premiums.

Auto insurance companies that have some of the above discounts may include but are not limited to:

  • Farm Bureau
  • Liberty Mutual
  • State Farm
  • Auto-Owners Insurance

If you want inexpensive insurance quotes, ask every prospective company to apply every possible discount. Savings may not be available in your state.

Your situation helps dictate your coverage

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might help in determining whether you may require specific advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else’s vehicle?
  • If my 2013 Ford F-350 Super Duty is totaled, can I afford another vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I waive the damage coverage when renting a car?
  • Is my custom paint covered by insurance?
  • Are rental cars covered under my policy?
  • Who is covered when they drive my 2013 Ford F-350 Super Duty?
  • How do I insure my teen driver?
  • Am I better off with higher deductibles on my 2013 Ford F-350 Super Duty?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete your zip code.

Insurance coverage breakdown

Having a good grasp of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, vandalism, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford F-350 Super Duty.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision insurance

Collision coverage will pay to fix damage to your F-350 Super Duty caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.


Liability insurance can cover damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims. It does not 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 might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Shop around and save

You just learned a lot of tips how to save on 2013 Ford F-350 Super Duty insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheaper insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies. They can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

A few companies may not offer rate quotes online and these regional carriers provide coverage only through local independent agencies. Lower-priced 2013 Ford F-350 Super Duty insurance can be found both online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection.

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