Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive costs on average $206, collision costs $300, and liability insurance is $540. A liability-only policy costs around $592 a year, with high-risk insurance costing around $2,642. Teenage drivers pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.

• The best discount rate is $735
• Raising to $1,000 deductibles will save around $116 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,226
• Using more expensive low deductibles will increase the cost to $1,446
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,642 or more
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,880

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Auto insurance prices for a Ford F-250 Super Duty also have a wide range based on your driving characteristics, the model of your F-250 Super Duty, and policy deductibles and limits.

An older driver with a good driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,750 on average in Michigan, New York, and Louisiana.

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Using high physical damage deductibles can reduce prices by up to $340 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $537 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Cheaper Ford F-250 Super Duty Insurance

Finding better rates on Ford F-250 Super Duty insurance consists of having a decent driving record, having good credit, refrain from filing small claims, and taking advantage of discounts. Set aside time to shop around at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a condensed summary of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents may pay on average $1,420 more each year than a driver with a clean driving record
• You may be able to save as much as $140 per year simply by shopping early and online
• Increasing policy deductibles can save around $325 each year
• Drivers who require additional liability coverage will pay an extra $590 per year to raise from 30/60 bodily injury limits to 250/500 limits