Ford F-250 Super Duty Insurance Rates

U.S. average auto insurance rates for a Ford F-250 Super Duty are $1,254 annually for full coverage insurance. Comprehensive costs approximately $210, collision costs $330, and liability costs $534. A policy with just liability insurance costs as little as $588 a year, with coverage for high-risk drivers costing around $2,714. Teens pay the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Price estimates by individual coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all F-250 Super Duty models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why everyone should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $748
• Drivers who choose higher $1,000 deductibles will pay $122 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,254
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,492
• Higher-risk drivers with serious driving violations could pay around $2,714 or more
• The price with full coverage for a teen driver for full coverage can cost $4,984 a year

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Insurance prices for a Ford F-250 Super Duty are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $360 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $533 more per year. View Rates by Deductible or Liability Limit

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 $820 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,700 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Every company calculates prices differently, so the prices may be quite different between companies.

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 the Cheapest Ford F-250 Super Duty Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a recap of the primary concepts that were covered above.

• It is possible to save around $140 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,460 more per year to insure a Ford F-250 Super Duty
• Increasing physical damage deductibles could save up to $350 each year
• Drivers under the age of 20 are expensive to insure, as much as $415 a month including comprehensive and collision insurance