Ford F-250 Super Duty Insurance Rates

Estimated insurance prices for a Ford F-250 Super Duty are $1,226 every 12 months for full coverage. Comprehensive insurance costs an estimated $206 a year, collision costs $300, and liability coverage costs $540. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing $2,642 or more. Teen drivers pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

These rate differences show why it is important to compare rates for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $735
• Drivers who choose higher $1,000 deductibles will pay approximately $1,110 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,226
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $220 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,642 or more
• An auto insurance policy to insure a teenage driver can cost as much as $4,880 a year

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Insurance prices for a Ford F-250 Super Duty also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing high deductibles could save up to $340 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $537 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 136% more than average. View High Risk Driver Rates

Where you choose to live 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 as much as $1,750 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, so the 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 Shop for Affordable Ford F-250 Super Duty Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop once a year by quoting rates from direct carriers, and also from several local insurance agents.

The points below are a brief review of the data that was touched on in the above illustrations.

• Drivers can save approximately $140 per year simply by quoting early and online
• Consumers who want increased liability limits will pay about $590 each year to go from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are charged the highest prices, as much as $407 per month if they have full coverage
• Drivers with DUI or reckless driving convictions pay on average $1,420 more annually to insure a Ford F-250 Super Duty