Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage insurance. Comprehensive insurance costs around $210, collision costs $330, and liability insurance is $534. A policy with just liability insurance costs around $588 a year, with coverage for high-risk drivers costing $2,714 or more. Teenage drivers receive the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Rate estimates for individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all F-250 Super Duty models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Rate Comparisons

The chart below illustrates estimated Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Raising to $1,000 deductibles will save about $122 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,254
• Using pricier low deductibles will cost an extra $238 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,714 or more
• The cost for full coverage for a teen driver for full coverage can be $4,984

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

Where you live also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find rates as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,700 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $360 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $533 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly 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 Affordable Ford F-250 Super Duty Insurance

Saving money on Ford F-250 Super Duty insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a brief review of the data covered above.

• Drivers who may need additional liability coverage will pay an extra $590 annually to raise from a minimum limit to 250/500 limits
• It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $350 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $415 per month including comprehensive and collision insurance