Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage insurance. Comprehensive costs around $206 a year, collision costs $300, and liability coverage is estimated at $540. Liability-only insurance costs approximately $592 a year, with high-risk driver insurance costing around $2,642. 16-year-old drivers pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates for type of coverage:

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.

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

These rate differences illustrate why it is important to get quotes for a specific zip code, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $735
• Choosing higher $1,000 deductibles can save about $1,110 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,226
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,446
• Drivers with multiple tickets or accidents could pay at least $2,642 or more
• An auto insurance policy that insures a teenage driver can be $4,880 each year

View Chart as Image

Insurance prices for a Ford F-250 Super Duty also have a wide range based on the trim level of your F-250 Super Duty, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford F-250 Super Duty insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $340 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $537 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and prices will be substantially 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 the Right Ford F-250 Super Duty Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop every year by quoting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a quick rundown of the coverage data covered above.

• It is possible to save up to $140 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $325 each year
• Teenage drivers are charged the highest prices, with premiums being up to $407 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,420 more every year for auto insurance