Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year with full coverage. Comprehensive insurance costs on average $206 each year, collision costs $300, and liability is $540. A liability-only policy costs around $592 a year, with high-risk insurance 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 by type of coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below details estimated Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $735
• Raising to $1,000 deductibles will save around $116 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,226
• Choosing low deductibles will cost an extra $220 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,642 or more
• An auto insurance policy for full coverage for a 16-year-old driver may cost $4,880

View Chart as Image

Auto insurance prices for a Ford F-250 Super Duty also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find prices as low as $880 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,650 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $340 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $537 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially 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

Finding better rates on insurance for a Ford F-250 Super Duty consists of being a good driver, having good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a brief review of the information covered in the above illustrations.

• You may be able to save as much as $140 per year simply by quoting online in advance
• Drivers age 16 to 20 are charged the highest prices, possibly costing $407 per month if they have full coverage
• Increasing policy deductibles can save around $325 each year
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,420 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay about $590 every year to raise from 30/60 bodily injury limits to 250/500 limits