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. Comprehensive insurance costs on average $206, collision costs $300, and liability is estimated at $540. A liability-only policy costs approximately $592 a year, with high-risk insurance costing $2,642 or more. Teen drivers receive the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas.

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

These examples show why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $735
• Choosing higher $1,000 deductibles can save around $116 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,226
• Choosing more expensive low deductibles for comp and collision coverage will cost an additional $220 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,642 or more
• The cost that insures a 16-year-old driver with full coverage may cost $4,880 each year

View Chart as Image

Insurance rates for a Ford F-250 Super Duty can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges from 43% to 136% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

Where you live 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 Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $340 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $537 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so the rates can be significantly different.

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 insurance for a Ford F-250 Super Duty takes being safe and accident-free, having above-average credit, eliminating unneeded coverage, and bundling your home and auto policies. Shop around once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief summary of the data that was raised in the charts and tables above.

• Drivers can save as much as $140 per year simply by shopping early and online
• Insureds who require more liability protection will pay about $590 each year to raise limits from a minimum limit to the 250/500 level
• Youthful drivers pay the highest rates, costing as high as $407 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,420 more each year than a low-risk driver