Ford F-250 Super Duty Insurance Rates

Estimated auto insurance rates for a Ford F-250 Super Duty are $1,226 annually including full coverage. Comprehensive costs around $206 each year, collision costs $300, and liability costs around $540. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing around $2,642. Teens pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates for type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance rates.

These rate differences highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $735
• Using higher $1,000 deductibles will save about $116 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,226
• Selecting low deductibles for physical damage coverage will cost $1,446
• High-risk insureds with serious driving violations could pay at least $2,642 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $4,880 or more

View Chart as Image

Insurance prices for a Ford F-250 Super Duty also have a wide range based on the model of your F-250 Super Duty, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $537 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see prices 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.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and prices will be substantially 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 Low Cost Ford F-250 Super Duty Insurance

Finding better rates on insurance for a Ford F-250 Super Duty requires having a decent driving record, having good credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around at every policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a review of the data touched on above.

• Insureds who may need additional liability coverage will pay approximately $590 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save up to $140 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $325 each year
• 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $407 per month if they have full coverage