Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage insurance. Comprehensive costs approximately $206 a year, collision insurance costs $300, and liability costs $540. Liability-only coverage costs as little as $592 a year, and high-risk coverage costs around $2,642. Teens receive the highest rates at up to $4,880 a year.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $735
• Drivers who choose higher $1,000 deductibles will pay $1,110 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,226
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,446
• Higher-risk drivers with serious driving violations could pay around $2,642
• The cost that insures a teen driver can cost $4,880 a year

View Chart as Image

Car insurance rates for a Ford F-250 Super Duty can also vary considerably based on the trim level of your F-250 Super Duty, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 136% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,800 a year. View Rates by Age

Where you live makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,650 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $340 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $537 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find Cheap Ford F-250 Super Duty Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare rates every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The points below are a brief summary of the material that was illustrated above.

• Policyholders who purchase increased liability limits will pay approximately $590 annually to go from a minimum limit to the 250/500 level
• Drivers under the age of 20 pay the highest auto insurance rates, costing up to $407 per month if full coverage is purchased
• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,420 more per year to insure a Ford F-250 Super Duty
• Increasing deductibles can save approximately $325 each year