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2016 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 2016 Ford F-350 Super Duty are $1,606 a year for full coverage. Comprehensive costs approximately $314 each year, collision costs $538, and liability insurance costs $554. Buying a liability-only policy costs as little as $620 a year, with high-risk insurance costing around $3,468. Teenage drivers receive the highest rates at $6,126 a year or more.

Annual premium for full coverage: $1,606

Rate estimates for 2016 Ford F-350 Super Duty Insurance

Comprehensive $314
Collision $538
Liability $554

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 insurance to a high rate of $3,468 for a driver that may need high-risk insurance.

Liability Only $620
Full Coverage $1,606
High Risk $3,468

View Chart as Image

2016 Ford F-350 Super Duty insurance rates compared
Column chart showing 2016 Ford F-350 Super Duty insurance prices range from $938 to $6,126 for full coverage

These differences show 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 2016 Ford F-350 Super Duty Insurance

Searching Companies

Looking for better auto insurance rates for your Ford F-350 Super Duty? Paying for high-priced Ford F-350 Super Duty insurance can drain your savings account and force you to make sacrifices. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket.

Drivers have multiple insurers to insure vehicles with, and though it is a good thing to be able to choose, so many choices can make it hard to compare company pricing.

Smart consumers take time to compare rates once or twice a year since rates change frequently. Despite the fact that you may have had the best deal on F-350 Super Duty coverage last year there may be better deals available now. You can find a lot of misleading information regarding auto insurance online, so we’re going to give you some great ideas on how to quit paying high auto insurance rates.

Shopping for the cheapest car insurance coverage can be fairly easy. Essentially everyone who shops for car insurance stands a good chance to be able to cut their insurance bill. But car owners should learn how companies market on the web and apply this information to your search.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but a few need to be asked for before you get the savings.

  • Safety Course Discount – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Low Mileage – Fewer annual miles on your Ford could be rewarded with lower rates on the low mileage vehicles.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on F-350 Super Duty coverage.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break on auto insurance on F-350 Super Duty coverage.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.

Consumers should know that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will cut the cost of coverage.

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

Before buying, ask each insurance company how you can save money. Savings may not apply in your area.

Compare the Market for Insurance

The are a couple different ways of comparing rate quotes from different insurance companies. The simplest method to find competitive 2016 Ford F-350 Super Duty insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The first (and easiest) way consumers can analyze rates is to use a rate comparison form click to view form in new window. This easy form eliminates the need for repetitive form entry for every insurance company. Just one form gets rate comparisons direct from many companies.
  • A harder way to get comparison quotes is to manually visit each company website and fill out their own quote form. For examples sake, let’s assume you want to compare Nationwide, State Farm and Allstate. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  • The most time-consuming method of comparing rate quotes is driving around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. You can, however, price shop your coverage online and still use a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverages and limits for each price quote. If you use higher or lower deductibles you can’t possibly truly determine the lowest rate. Slightly different limits may cause a big price difference. Just keep in mind that getting more free quotes helps you find the best rates.

Factors that might impact rates for a Ford F-350 Super Duty

It’s important that you understand the different types of things that go into determining your insurance coverage rates. Understanding what influences your rates enables informed choices that may reward you with better insurance coverage rates.

  • Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. They both are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as DWI and reckless driving.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Occupations like judges, architects and financial analysts have higher average rates attributed to high stress levels and lengthy work days. Conversely, jobs such as actors, engineers and performers get better rates on F-350 Super Duty coverage.
  • Lower rates come with age – Older insureds are more cautious drivers, file fewer claims and get fewer tickets. Young drivers tend to get distracted easily when behind the wheel therefore insurance coverage rates are much higher.
  • Where you reside plays a part – Living in a small town is a positive aspect when it comes to insurance coverage. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers have to deal with more traffic problems and a longer drive to work. More time on the road translates into higher accident risk.
  • Claim-free discounts can add up – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies provide better rates to people who do not file claims often. Auto insurance is intended for larger claims.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a guaranteed way to bump up your insurance coverage costs. Not only will rates go up, but not being able to provide proof of insurance might get you a steep fine or even jail time.You may need to file a SR-22 with your state motor vehicle department.
  • Discounts for married couples – Having a wife or husband can get you a discount on your policy. Having a significant other is viewed as being more mature than a single person and it’s proven that being married results in fewer claims.

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Situations that might require an agent

When it comes to buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • How can I find cheaper teen driver insurance?
  • Is my custom paint covered by insurance?
  • Am I covered if I wreck a rental car?
  • Does my policy pay for OEM or aftermarket parts?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Ads can be misleading

Companies like GEICO, State Farm and Progressive continually stream television and radio advertisements. All the ads make an identical promise of big savings after switching to their company. How can each company make the same claim? It’s all in the numbers.

All companies are able to cherry pick for the driver that earns them a profit. For instance, a preferred risk might be between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who do not match the “perfect” profile will have to pay a more expensive rate and ends up with business going elsewhere. The ads say “customers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can make those claims.

Because of the profiling, drivers must quote coverage with many companies. It is impossible to predict which insurance companies will have the lowest Ford F-350 Super Duty insurance rates.

Car insurance coverage information

Understanding the coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Collision coverages – Collision coverage pays for damage to your F-350 Super Duty from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like funeral costs, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance – Liability insurance provides protection from damage that occurs to other’s property or people. It protects YOU from claims by other people, and 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. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Save for a rainy day

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There have been many situations where someone dropped full coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage for the lowest price.

We covered a lot of techniques to save on 2016 Ford F-350 Super Duty insurance. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from a small mutual company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

Additional auto insurance information is available at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2016 Ford F-350 Super Duty Insurance Rates by City
City Premium
New York City, NY $2,532
Los Angeles, CA $2,742
Philadelphia, PA $2,142
Jacksonville, FL $2,325
Phoenix, AZ $1,859
Chicago, IL $2,149
Houston, TX $2,512
Seattle, WA $1,560
Columbus, OH $1,341
Indianapolis, IN $1,367

Need a specific model?

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Rates by Driver Age

2016 Ford F-350 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $6,126
20 $3,694
30 $1,658
40 $1,606
50 $1,468
60 $1,438

Full coverage, $500 deductibles

Rates by Deductible

2016 Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,980
$250 $1,808
$500 $1,606
$1,000 $1,414

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 $1,606
50/100 $1,717
100/300 $1,855
250/500 $2,215
100 CSL $1,772
300 CSL $2,077
500 CSL $2,299

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Ford F-350 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $8,716
20 $5,884
30 $3,530
40 $3,468
50 $3,314
60 $3,280

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 $222

Potential Rate Discounts

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

Discount Savings
Multi-policy $84
Multi-vehicle $85
Homeowner $25
5-yr Accident Free $113
5-yr Claim Free $103
Paid in Full/EFT $69
Advance Quote $77
Online Quote $112
Total Discounts $668
Rate after discounts $938

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

Find companies with the cheapest rates in your area

2016 Ford F-350 Super Duty Insurance Rates by State
State Premium
Alabama $1,450
Alaska $1,230
Arizona $1,328
Arkansas $1,606
California $1,828
Colorado $1,532
Connecticut $1,648
Delaware $1,816
Florida $2,004
Georgia $1,478
Hawaii $1,152
Idaho $1,088
Illinois $1,194
Indiana $1,210
Iowa $1,086
Kansas $1,522
Kentucky $2,186
Louisiana $2,374
Maine $992
Maryland $1,324
Massachusetts $1,282
Michigan $2,784
Minnesota $1,342
Mississippi $1,920
Missouri $1,424
Montana $1,724
Nebraska $1,264
Nevada $1,926
New Hampshire $1,154
New Jersey $1,794
New Mexico $1,420
New York $1,688
North Carolina $924
North Dakota $1,314
Ohio $1,108
Oklahoma $1,646
Oregon $1,468
Pennsylvania $1,530
Rhode Island $2,142
South Carolina $1,452
South Dakota $1,354
Tennessee $1,404
Texas $1,932
Utah $1,188
Vermont $1,096
Virginia $960
Washington $1,238
West Virginia $1,472
Wisconsin $1,110
Wyoming $1,428

Free Auto Insurance Comparison

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

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