Ford F-250 Super Duty Insurance Rates

Average auto insurance rates for a Ford F-250 Super Duty are $1,254 annually including full coverage. Comprehensive costs around $210 a year, collision insurance costs $330, and liability insurance is $534. A liability-only policy costs around $588 a year, and high-risk insurance costs around $2,714. Teenage 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:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance rates.

These examples highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down average Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Raising to $1,000 deductibles will save about $1,132 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,254
• Using low $100 deductibles will cost $1,492
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,714
• The cost with full coverage for a teen driver can be $4,984

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Insurance rates for a Ford F-250 Super Duty can also vary considerably based on the trim level of your F-250 Super Duty, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $360 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $533 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,790 on average in Michigan, New York, and Louisiana.

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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 Cheaper Ford F-250 Super Duty Insurance

Saving money on Ford F-250 Super Duty insurance consists of having a decent driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a condensed summary of the information presented in the illustrations above.

• You may be able to save up to $140 per year just by quoting early and online
• 16 to 18-year-old drivers pay higher rates, as much as $415 per month including comprehensive and collision insurance
• Increasing deductibles could save up to $350 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,460 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay an extra $590 per year to raise from a minimum limit to higher 250/500 limits