Ford F-250 Super Duty Insurance Rates

The average insurance prices for a Ford F-250 Super Duty are $1,226 every 12 months for full coverage. Comprehensive insurance costs approximately $206 a year, collision insurance costs $300, and liability is estimated at $540. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs $2,642 or more. 16-year-old drivers cost the most to insure at up to $4,880 a year.

Average premium for full coverage: $1,226

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to get quotes using their specific location and their own driving history, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save $1,110 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,226
• Buying low $100 deductibles for comp and collision coverage costs an extra $220 every year
• Unlucky drivers with multiple tickets or accidents could pay around $2,642
• Policy cost to insure a teen driver can cost $4,880 each year

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Insurance rates for a Ford F-250 Super Duty also range considerably based on liability limits and deductibles, your driver profile, and the model of your F-250 Super Duty.

Opting for high physical damage deductibles can save as much as $340 every year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $537 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford F-250 Super Duty insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheaper Ford F-250 Super Duty Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a condensed summary of the data raised in the charts and tables above.

• Policyholders who purchase increased liability limits will pay around $590 each year to raise limits from a 30/60 limit to a 250/500 level
• Drivers can save around $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers under the age of 20 are the costliest to insure, costing up to $407 each month if full coverage is included