Ford F-350 Super Duty Crew Cab Lariat 4WD Insurance Rates

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The average insurance prices for a Ford F-350 Super Duty Crew Cab Lariat 4WD are $1,846 every 12 months including full coverage. Comprehensive costs around $396 each year, collision insurance costs $666, and liability coverage costs $546. A liability-only policy costs as little as $646 a year, and high-risk insurance costs around $3,968. Teenage drivers cost the most to insure at up to $6,904 a year.

Annual premium for full coverage: $1,846

Policy rates for individual coverage:

Comprehensive $396
Collision $666
Liability $546

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford F-350 Super Duty Trim Level

For an average driver, Ford F-350 Super Duty Crew Cab Lariat 4WD insurance rates range from the cheapest price of $646 for just liability coverage to a high rate of $3,968 for a driver required to buy high-risk insurance.

Liability Only $646
Full Coverage $1,846
High Risk $3,968

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,385
Small Cities $1,938
Large Cities $2,492

These price differences highlight why all drivers should compare rates for a specific zip code and their own driving history, rather than 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.

Companies with Cheap Ford F-350 Super Duty Crew Cab Lariat 4WD Insurance

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Car insurance rates for a Ford F-350 Super Duty Crew Cab Lariat 4WD also range considerably based on liability limits and deductibles, your driving characteristics, and the actual cash value of your F-350 Super Duty.

Using high physical damage deductibles could save up to $710 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $492 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $6,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $2,100 to $3,000 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 127% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Ford F-350 Super Duty Crew Cab Lariat 4WD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

Ford F-350 Super Duty Crew Cab Lariat 4WD insurance cost comparison chart
Column chart showing Ford F-350 Super Duty Crew Cab Lariat 4WD insurance prices range from $1,081 to $6,904 for full coverage

The chart above shows average Ford F-350 Super Duty Crew Cab Lariat 4WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $1,081. Drivers who use higher $1,000 deductibles will pay $1,606. The average rate for a driver age 40 with no violations using $500 deductibles is $1,846. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $2,312. Drivers with multiple violations and accidents could be charged around $3,968. The policy rate for full coverage insurance for a 16-year-old driver is $6,904.

Ford F-350 Super Duty Crew Cab Lariat 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,668 -$178 -9.6%
Alaska $1,414 -$432 -23.4%
Arizona $1,530 -$316 -17.1%
Arkansas $1,846 -$0 0.0%
California $2,106 $260 14.1%
Colorado $1,762 -$84 -4.6%
Connecticut $1,894 $48 2.6%
Delaware $2,088 $242 13.1%
Florida $2,308 $462 25.0%
Georgia $1,706 -$140 -7.6%
Hawaii $1,324 -$522 -28.3%
Idaho $1,252 -$594 -32.2%
Illinois $1,376 -$470 -25.5%
Indiana $1,392 -$454 -24.6%
Iowa $1,248 -$598 -32.4%
Kansas $1,752 -$94 -5.1%
Kentucky $2,518 $672 36.4%
Louisiana $2,734 $888 48.1%
Maine $1,140 -$706 -38.2%
Maryland $1,522 -$324 -17.6%
Massachusetts $1,474 -$372 -20.2%
Michigan $3,206 $1,360 73.7%
Minnesota $1,546 -$300 -16.3%
Mississippi $2,210 $364 19.7%
Missouri $1,640 -$206 -11.2%
Montana $1,984 $138 7.5%
Nebraska $1,456 -$390 -21.1%
Nevada $2,212 $366 19.8%
New Hampshire $1,330 -$516 -28.0%
New Jersey $2,062 $216 11.7%
New Mexico $1,636 -$210 -11.4%
New York $1,944 $98 5.3%
North Carolina $1,064 -$782 -42.4%
North Dakota $1,510 -$336 -18.2%
Ohio $1,274 -$572 -31.0%
Oklahoma $1,894 $48 2.6%
Oregon $1,690 -$156 -8.5%
Pennsylvania $1,762 -$84 -4.6%
Rhode Island $2,462 $616 33.4%
South Carolina $1,672 -$174 -9.4%
South Dakota $1,558 -$288 -15.6%
Tennessee $1,616 -$230 -12.5%
Texas $2,222 $376 20.4%
Utah $1,368 -$478 -25.9%
Vermont $1,262 -$584 -31.6%
Virginia $1,106 -$740 -40.1%
Washington $1,424 -$422 -22.9%
West Virginia $1,694 -$152 -8.2%
Wisconsin $1,280 -$566 -30.7%
Wyoming $1,644 -$202 -10.9%

View Chart as Image

Ford F-350 Super Duty Crew Cab Lariat 4WD insurance rates by U.S. city

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Rates by Driver Age

Ford F-350 Super Duty Crew Cab Lariat 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $6,904
20 $4,238
30 $1,922
40 $1,846
50 $1,686
60 $1,654

Full coverage, $500 deductibles

Rates by Deductible

Ford F-350 Super Duty Crew Cab Lariat 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,312
$250 $2,098
$500 $1,846
$1,000 $1,606

Full coverage, driver age 40

Rates by Liability Limit

Ford F-350 Super Duty Crew Cab Lariat 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,846
50/100 $1,955
100/300 $2,092
250/500 $2,447
100 CSL $2,010
300 CSL $2,310
500 CSL $2,529

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-350 Super Duty Crew Cab Lariat 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $9,820
20 $6,726
30 $4,048
40 $3,968
50 $3,784
60 $3,748

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 $250

Potential Rate Discounts

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

Discount Savings
Multi-policy $96
Multi-vehicle $94
Homeowner $27
5-yr Accident Free $131
5-yr Claim Free $117
Paid in Full/EFT $82
Advance Quote $89
Online Quote $129
Total Discounts $765
Rate after discounts $1,081

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

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