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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U.S. average insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive costs on average $206, collision insurance costs $300, and liability costs $540. Liability-only insurance costs as little as $592 a year, and high-risk driver insurance costs around $2,642. Teens pay the highest rates at up to $4,880 a year.
Average premium for full coverage: $1,226
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different F-250 Super Duty trim levels.
Price Range from Low to High
For an average driver, Ford F-250 Super Duty insurance prices range from as low as $592 for minimum levels of liability insurance to a much higher rate of $2,642 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.
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 Details
The chart below breaks down average Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $735
- Drivers who choose higher $1,000 deductibles will pay around $116 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,226
- Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,446
- Drivers with serious driving violations could pay upwards of $2,642
- The price for full coverage for a 16-year-old driver with full coverage may cost $4,880 a year
Car insurance prices for a Ford F-250 Super Duty are also quite variable based on your driving record, the model of your F-250 Super Duty, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age
The state you live in makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,108 | -$118 | -9.6% |
| Alaska | $940 | -$286 | -23.3% |
| Arizona | $1,018 | -$208 | -17.0% |
| Arkansas | $1,226 | -$0 | 0.0% |
| California | $1,396 | $170 | 13.9% |
| Colorado | $1,168 | -$58 | -4.7% |
| Connecticut | $1,256 | $30 | 2.4% |
| Delaware | $1,386 | $160 | 13.1% |
| Florida | $1,532 | $306 | 25.0% |
| Georgia | $1,132 | -$94 | -7.7% |
| Hawaii | $880 | -$346 | -28.2% |
| Idaho | $832 | -$394 | -32.1% |
| Illinois | $910 | -$316 | -25.8% |
| Indiana | $922 | -$304 | -24.8% |
| Iowa | $824 | -$402 | -32.8% |
| Kansas | $1,162 | -$64 | -5.2% |
| Kentucky | $1,670 | $444 | 36.2% |
| Louisiana | $1,812 | $586 | 47.8% |
| Maine | $756 | -$470 | -38.3% |
| Maryland | $1,012 | -$214 | -17.5% |
| Massachusetts | $978 | -$248 | -20.2% |
| Michigan | $2,126 | $900 | 73.4% |
| Minnesota | $1,026 | -$200 | -16.3% |
| Mississippi | $1,468 | $242 | 19.7% |
| Missouri | $1,084 | -$142 | -11.6% |
| Montana | $1,314 | $88 | 7.2% |
| Nebraska | $966 | -$260 | -21.2% |
| Nevada | $1,468 | $242 | 19.7% |
| New Hampshire | $882 | -$344 | -28.1% |
| New Jersey | $1,370 | $144 | 11.7% |
| New Mexico | $1,084 | -$142 | -11.6% |
| New York | $1,290 | $64 | 5.2% |
| North Carolina | $704 | -$522 | -42.6% |
| North Dakota | $1,004 | -$222 | -18.1% |
| Ohio | $846 | -$380 | -31.0% |
| Oklahoma | $1,256 | $30 | 2.4% |
| Oregon | $1,122 | -$104 | -8.5% |
| Pennsylvania | $1,166 | -$60 | -4.9% |
| Rhode Island | $1,634 | $408 | 33.3% |
| South Carolina | $1,110 | -$116 | -9.5% |
| South Dakota | $1,036 | -$190 | -15.5% |
| Tennessee | $1,070 | -$156 | -12.7% |
| Texas | $1,476 | $250 | 20.4% |
| Utah | $906 | -$320 | -26.1% |
| Vermont | $838 | -$388 | -31.6% |
| Virginia | $734 | -$492 | -40.1% |
| Washington | $944 | -$282 | -23.0% |
| West Virginia | $1,122 | -$104 | -8.5% |
| Wisconsin | $848 | -$378 | -30.8% |
| Wyoming | $1,090 | -$136 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $340 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $537 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost from 43% to 136% more than the average 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2023 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2022 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2021 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2020 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2019 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2018 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2017 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2016 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2015 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2014 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2013 Ford F-250 Super Duty | $206 | $300 | $540 | $1,226 |
| 2010 Ford F-250 Super Duty | $174 | $224 | $530 | $1,108 |
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 the Best Ford F-250 Super Duty Insurance
Getting lower rates on insurance for a Ford F-250 Super Duty not only requires being a good driver, but also having above-average credit, being claim-free, and possibly raising deductibles. Take the time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a brief recap of the coverage data covered in the above illustrations.
- You may be able to save as much as $140 per year just by shopping early and online
- Increasing physical damage deductibles can save around $325 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $407 a month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,420 more each year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,880 |
| 20 | $2,808 |
| 30 | $1,250 |
| 40 | $1,226 |
| 50 | $1,124 |
| 60 | $1,100 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,344 |
| $500 | $1,226 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,226 |
| 50/100 | $1,457 |
| 100/300 | $1,606 |
| 250/500 | $1,994 |
| 100 CSL | $1,517 |
| 300 CSL | $1,845 |
| 500 CSL | $2,083 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,894 |
| 20 | $4,478 |
| 30 | $2,670 |
| 40 | $2,642 |
| 50 | $2,526 |
| 60 | $2,502 |
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 | $63 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $46 |
| Advance Quote | $55 |
| Online Quote | $84 |
| Total Discounts | $491 |
Discounts are estimated and may not be available from every company or in every state.
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