Ford F-250 Super Duty Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 4, 2024
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U.S. average insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive insurance costs on average $206, collision insurance costs $300, and liability costs around $540. Buying just liability costs as low as $592 a year, and insurance for high-risk drivers costs $2,642 or more. 16-year-old drivers pay the highest rates at up to $4,880 a year.
Average premium for full coverage: $1,226
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all F-250 Super Duty models.
Price Range from Low to High
For a driver in their 40's, Ford F-250 Super Duty insurance prices range from as low as $592 for just liability coverage to the much higher price of $2,642 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how location helps determine car insurance rates.
The ranges above highlight why everyone should compare prices based on a specific location and risk profile, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below breaks down average Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $735
- Using higher $1,000 deductibles will save around $116 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,226
- Buying pricier low deductibles for physical damage coverage will cost an extra $220 every year
- Drivers with multiple tickets or accidents could pay upwards of $2,642
- The price for full coverage for a teen driver for full coverage may cost $4,880 or more
Insurance prices for a Ford F-250 Super Duty are also quite variable based on your driving record, the model of your F-250 Super Duty, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
The state you live in has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,750 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,108 | -$118 | -9.6% |
| Alaska | $940 | -$286 | -23.3% |
| Arizona | $1,018 | -$208 | -17.0% |
| Arkansas | $1,226 | -$0 | 0.0% |
| California | $1,396 | $170 | 13.9% |
| Colorado | $1,168 | -$58 | -4.7% |
| Connecticut | $1,256 | $30 | 2.4% |
| Delaware | $1,386 | $160 | 13.1% |
| Florida | $1,532 | $306 | 25.0% |
| Georgia | $1,132 | -$94 | -7.7% |
| Hawaii | $880 | -$346 | -28.2% |
| Idaho | $832 | -$394 | -32.1% |
| Illinois | $910 | -$316 | -25.8% |
| Indiana | $922 | -$304 | -24.8% |
| Iowa | $824 | -$402 | -32.8% |
| Kansas | $1,162 | -$64 | -5.2% |
| Kentucky | $1,670 | $444 | 36.2% |
| Louisiana | $1,812 | $586 | 47.8% |
| Maine | $756 | -$470 | -38.3% |
| Maryland | $1,012 | -$214 | -17.5% |
| Massachusetts | $978 | -$248 | -20.2% |
| Michigan | $2,126 | $900 | 73.4% |
| Minnesota | $1,026 | -$200 | -16.3% |
| Mississippi | $1,468 | $242 | 19.7% |
| Missouri | $1,084 | -$142 | -11.6% |
| Montana | $1,314 | $88 | 7.2% |
| Nebraska | $966 | -$260 | -21.2% |
| Nevada | $1,468 | $242 | 19.7% |
| New Hampshire | $882 | -$344 | -28.1% |
| New Jersey | $1,370 | $144 | 11.7% |
| New Mexico | $1,084 | -$142 | -11.6% |
| New York | $1,290 | $64 | 5.2% |
| North Carolina | $704 | -$522 | -42.6% |
| North Dakota | $1,004 | -$222 | -18.1% |
| Ohio | $846 | -$380 | -31.0% |
| Oklahoma | $1,256 | $30 | 2.4% |
| Oregon | $1,122 | -$104 | -8.5% |
| Pennsylvania | $1,166 | -$60 | -4.9% |
| Rhode Island | $1,634 | $408 | 33.3% |
| South Carolina | $1,110 | -$116 | -9.5% |
| South Dakota | $1,036 | -$190 | -15.5% |
| Tennessee | $1,070 | -$156 | -12.7% |
| Texas | $1,476 | $250 | 20.4% |
| Utah | $906 | -$320 | -26.1% |
| Vermont | $838 | -$388 | -31.6% |
| Virginia | $734 | -$492 | -40.1% |
| Washington | $944 | -$282 | -23.0% |
| West Virginia | $1,122 | -$104 | -8.5% |
| Wisconsin | $848 | -$378 | -30.8% |
| Wyoming | $1,090 | -$136 | -11.1% |
Opting for high physical damage deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $537 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be as much as 43% to 136% more than the average rate. View High Risk Driver Rates
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2023 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2022 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2021 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2020 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2019 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2018 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2017 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2016 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2015 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2014 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2013 Ford F-250 Super Duty | $206 | $300 | $540 | $1,226 |
| 2010 Ford F-250 Super Duty | $174 | $224 | $530 | $1,108 |
Rates are averaged for all Ford F-250 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Ford F-250 Super Duty Insurance
Getting lower rates on car insurance requires avoiding accidents and violations, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a condensed summary of the information covered in the charts and tables above.
- You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
- Teenagers pay higher prices, possibly costing $407 a month including comprehensive and collision insurance
- Increasing physical damage deductibles can save around $325 each year
- Higher risk drivers with multiple at-fault accidents may pay on average $1,420 more each year for car insurance
- Policyholders who require higher liability limits will pay around $590 per year to increase from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,880 |
| 20 | $2,808 |
| 30 | $1,250 |
| 40 | $1,226 |
| 50 | $1,124 |
| 60 | $1,100 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,344 |
| $500 | $1,226 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,226 |
| 50/100 | $1,457 |
| 100/300 | $1,606 |
| 250/500 | $1,994 |
| 100 CSL | $1,517 |
| 300 CSL | $1,845 |
| 500 CSL | $2,083 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,894 |
| 20 | $4,478 |
| 30 | $2,670 |
| 40 | $2,642 |
| 50 | $2,526 |
| 60 | $2,502 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $46 |
| Advance Quote | $55 |
| Online Quote | $84 |
| Total Discounts | $491 |
Discounts are estimated and may not be available from every company or in every state.
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