Ford F-250 Super Duty Insurance Rates

The average auto insurance rates for a Ford F-250 Super Duty are $1,254 annually for full coverage insurance. Comprehensive costs around $210, collision costs $330, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing around $2,714. Teenage drivers cost the most to insure at $4,984 a year or more.

Average premium for full coverage: $1,254

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save about $122 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,254
• Using more expensive low deductibles for comp and collision coverage will cost $1,492
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,714 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,984 each year

View Chart as Image

Insurance rates for a Ford F-250 Super Duty also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $360 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $533 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford F-250 Super Duty insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,700 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied 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 Best Ford F-250 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-250 Super Duty takes avoiding accidents and violations, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief recap of the material that was covered in the charts and tables above.

• Insureds who may need higher liability limits will pay an extra $590 annually to raise limits from a 30/60 limit to higher 250/500 limits
• Teenagers are charged the highest rates, possibly costing $415 each month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations pay on average $1,460 more every year for car insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year