Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,254 a year with full coverage. Comprehensive costs on average $210, collision costs $330, and liability coverage is $534. A policy with only liability insurance costs around $588 a year, with a high-risk policy costing around $2,714. Teenage drivers pay the most at $4,984 a year or more.

Average premium for full coverage: $1,254

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

These rate differences demonstrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below details estimated Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.

• The best discount rate is $748
• Raising to $1,000 deductibles will save around $122 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,254
• Using pricier low deductibles will increase the cost to $1,492
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,714 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage may cost $4,984

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Car insurance prices for a Ford F-250 Super Duty also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,700 on average in Florida, Michigan, and New York.

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Using high physical damage deductibles can reduce prices by up to $360 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra annually, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially 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 Low Cost Ford F-250 Super Duty Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a review of the material that was raised in the charts and tables above.

• Consumers who require higher liability limits will pay an extra $590 every year to raise from 30/60 bodily injury limits to 250/500 limits
• Teenagers are expensive to insure, possibly costing $415 per month if full coverage is included
• Drivers who have several accidents or serious violations may be required to pay an average of $1,460 more each year for car insurance
• Increasing policy deductibles can save around $350 each year