Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage. Comprehensive costs an estimated $206, collision insurance costs $300, and liability coverage costs $540. Liability-only coverage costs as little as $592 a year, and high-risk coverage costs around $2,642. 16-year-old drivers cost the most to insure at up to $4,880 a year.

Average premium for full coverage: $1,226

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.

The examples above show why anyone shopping for car insurance should compare rates for a targeted area, rather than using rate averages.

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

Additional Rate Details

The chart below shows average Ford F-250 Super Duty insurance rates for other coverage scenarios.

• The best full coverage rate is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $116 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,226
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,446
• High-risk insureds with multiple tickets or accidents could pay up to $2,642
• Policy cost that insures a teenage driver with full coverage can cost as much as $4,880 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can cost around 43% to 136% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state makes a big difference in Ford F-250 Super Duty insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or at least $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $340 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $537 more each year. 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 Low Cost Ford F-250 Super Duty Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a review of the information raised in the charts and tables above.

• Drivers can save approximately $140 per year just by shopping early and online
• Drivers under the age of 20 are expensive to insure, costing up to $407 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers who have several accidents or serious violations may pay on average $1,420 more annually to insure a Ford F-250 Super Duty
• Consumers who want increased liability limits will pay around $590 each year to go from a 30/60 limit to the 250/500 level