Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,298 a year for full coverage. Comprehensive costs approximately $228, collision costs $356, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,804. Teenage drivers receive the highest rates at $5,108 a year or more.

Average premium for full coverage: $1,298

Rate estimates by individual coverage type:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $771
• Raising to $1,000 deductibles will save $132 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,298
• Using more expensive low deductibles will increase the cost to $1,554
• Drivers who are prone to accidents and violations could pay around $2,804 or more
• The cost for full coverage for a 16-year-old driver with full coverage can cost $5,108

View Chart as Image

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 physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age

Where you live also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find rates as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $390 annually, while increasing your policy's liability limits will push rates upward. 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 anywhere from $1,500 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly 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 the Best Cheap Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty consists of being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and avoiding coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a quick review of the concepts that were touched on above.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,510 more per year for auto insurance
• Teenage drivers pay the highest auto insurance rates, costing as high as $426 per month if full coverage is included
• Drivers can save around $150 per year simply by shopping early and online
• Increasing deductibles can save around $400 each year
• Drivers can save around $150 per year simply by shopping early and online