Ford F-250 Super Duty Insurance Rates

Estimated auto insurance rates for a Ford F-250 Super Duty are $1,254 annually with full coverage. Comprehensive costs approximately $210 a year, collision insurance costs $330, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, and high-risk insurance costs around $2,714. Teenage drivers pay the most at up to $4,984 a year.

Average premium for full coverage: $1,254

Premium estimates by type of coverage:

Includes $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. 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 can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

These rate differences demonstrate why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below details average Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save $1,132 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,254
• Using low $100 deductibles for comp and collision coverage will cost $1,492
• Higher-risk drivers who are prone to accidents and violations could pay around $2,714
• An auto insurance policy with full coverage for a 16-year-old driver can cost $4,984 each year

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Auto insurance prices for a Ford F-250 Super Duty also have a wide range based on the model of your F-250 Super Duty, your driving record, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $360 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $533 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Ford F-250 Super Duty insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,700 on average in New York, Michigan, and Florida.

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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 Buy the Cheapest Ford F-250 Super Duty Insurance

Finding better rates on insurance for a Ford F-250 Super Duty takes not taking risks behind the wheel, having above-average credit, being claim-free, and possibly higher deductibles. Invest the time to shop around every time your policy renews by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following is a recap of the information illustrated above.

• You may be able to save around $140 per year just by quoting early and online
• Teens have the highest car insurance prices, possibly costing $415 per month if full coverage is included
• Increasing policy deductibles could save up to $350 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,460 more per year for F-250 Super Duty insurance
• Insureds who purchase higher liability limits will pay an extra $590 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits