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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Average insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage. Comprehensive costs around $210, collision insurance costs $330, and liability costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,714. 16-year-old drivers receive the highest rates at up to $4,984 a year.
Average premium for full coverage: $1,254
Rate estimates for individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all F-250 Super Duty models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $588 for the bare minimum liability coverage to the much higher price of $2,714 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities. The example below illustrates how where you live affects auto insurance rates.
These examples show why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on 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.
Additional Rate Information
The chart below shows average Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $748
- Using higher $1,000 deductibles will save about $122 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,254
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,492
- High-risk insureds with multiple tickets or accidents could pay at least $2,714
- The cost for full coverage for a 16-year-old driver for full coverage can be $4,984 or more
Car insurance rates for a Ford F-250 Super Duty can also vary considerably based on your driver profile, the trim level of your F-250 Super Duty, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $4,900 a year. View Rates by Age
Where you live has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Idaho, Maine, and Iowa, or at least $1,790 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$120 | -9.6% |
| Alaska | $964 | -$290 | -23.1% |
| Arizona | $1,042 | -$212 | -16.9% |
| Arkansas | $1,254 | -$0 | 0.0% |
| California | $1,430 | $176 | 14.0% |
| Colorado | $1,198 | -$56 | -4.5% |
| Connecticut | $1,290 | $36 | 2.9% |
| Delaware | $1,420 | $166 | 13.2% |
| Florida | $1,572 | $318 | 25.4% |
| Georgia | $1,160 | -$94 | -7.5% |
| Hawaii | $902 | -$352 | -28.1% |
| Idaho | $850 | -$404 | -32.2% |
| Illinois | $934 | -$320 | -25.5% |
| Indiana | $948 | -$306 | -24.4% |
| Iowa | $848 | -$406 | -32.4% |
| Kansas | $1,192 | -$62 | -4.9% |
| Kentucky | $1,714 | $460 | 36.7% |
| Louisiana | $1,860 | $606 | 48.3% |
| Maine | $776 | -$478 | -38.1% |
| Maryland | $1,036 | -$218 | -17.4% |
| Massachusetts | $1,002 | -$252 | -20.1% |
| Michigan | $2,178 | $924 | 73.7% |
| Minnesota | $1,050 | -$204 | -16.3% |
| Mississippi | $1,504 | $250 | 19.9% |
| Missouri | $1,114 | -$140 | -11.2% |
| Montana | $1,348 | $94 | 7.5% |
| Nebraska | $990 | -$264 | -21.1% |
| Nevada | $1,506 | $252 | 20.1% |
| New Hampshire | $906 | -$348 | -27.8% |
| New Jersey | $1,406 | $152 | 12.1% |
| New Mexico | $1,110 | -$144 | -11.5% |
| New York | $1,322 | $68 | 5.4% |
| North Carolina | $724 | -$530 | -42.3% |
| North Dakota | $1,028 | -$226 | -18.0% |
| Ohio | $866 | -$388 | -30.9% |
| Oklahoma | $1,288 | $34 | 2.7% |
| Oregon | $1,152 | -$102 | -8.1% |
| Pennsylvania | $1,198 | -$56 | -4.5% |
| Rhode Island | $1,674 | $420 | 33.5% |
| South Carolina | $1,138 | -$116 | -9.3% |
| South Dakota | $1,062 | -$192 | -15.3% |
| Tennessee | $1,098 | -$156 | -12.4% |
| Texas | $1,512 | $258 | 20.6% |
| Utah | $928 | -$326 | -26.0% |
| Vermont | $860 | -$394 | -31.4% |
| Virginia | $750 | -$504 | -40.2% |
| Washington | $968 | -$286 | -22.8% |
| West Virginia | $1,152 | -$102 | -8.1% |
| Wisconsin | $868 | -$386 | -30.8% |
| Wyoming | $1,118 | -$136 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $360 annually, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $533 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be from 42% to 133% 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 | $346 | $630 | $440 | $1,596 |
| 2023 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2022 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2021 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2020 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2019 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2018 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2017 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2016 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2015 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2014 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2013 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2010 Ford F-250 Super Duty | $180 | $250 | $534 | $1,144 |
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 Cheap Ford F-250 Super Duty Insurance
Saving money on insurance for a Ford F-250 Super Duty requires having a decent driving record, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to comparison shop once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The following items are a brief summary of the data that was touched on in the above illustrations.
- Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
- Insureds who may need additional liability coverage will pay around $590 each year to increase from a minimum limit to 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, costing as high as $415 per month if full coverage is included
- Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,460 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,984 |
| 20 | $2,890 |
| 30 | $1,286 |
| 40 | $1,254 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,384 |
| $500 | $1,254 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,254 |
| 50/100 | $1,490 |
| 100/300 | $1,638 |
| 250/500 | $2,023 |
| 100 CSL | $1,550 |
| 300 CSL | $1,875 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,052 |
| 20 | $4,606 |
| 30 | $2,746 |
| 40 | $2,714 |
| 50 | $2,596 |
| 60 | $2,570 |
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 | $64 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
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