Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage insurance. Comprehensive costs an estimated $206 each year, collision insurance costs $300, and liability is estimated at $540. A liability-only policy costs approximately $592 a year, and high-risk insurance costs around $2,642. Teenage drivers cost the most to insure at up to $4,880 a year.

Average premium for full coverage: $1,226

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and F-250 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $735
• Choosing higher $1,000 deductibles can save approximately $116 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,226
• Using low deductibles for comp and collision coverage will increase the cost to $1,446
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,642
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,880 each year

View Chart as Image

Car insurance rates for a Ford F-250 Super Duty also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,800 a year. View Rates by Age

Your home state 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 $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,650 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $340 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $537 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than a normal policy. 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.

How to Find the Best Ford F-250 Super Duty Insurance

Finding cheaper 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. Set aside time to shop around at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief recap of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk who tend to receive serious violations pay on average $1,420 more annually for F-250 Super Duty insurance
• It is possible to save approximately $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Insureds who want higher liability limits will pay an extra $590 annually to raise limits from a 30/60 limit to 250/500 limits