Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,254 a year including full coverage. Comprehensive costs on average $210 each year, collision costs $330, and liability coverage costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance 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 by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and F-250 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above highlight why all drivers should compare prices based on a specific location, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $748
• Using higher $1,000 deductibles will save around $122 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,254
• Using low deductibles for physical damage coverage bumps up the cost to $1,492
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,714 or more
• Policy cost that insures a teenage driver may cost $4,984 or more

View Chart as Image

Car insurance rates for a Ford F-250 Super Duty also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,790 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $360 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 cheaper rates on auto insurance requires having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at every other renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a review of the concepts that were presented in the illustrations above.

• Drivers who have several accidents or serious violations could be forced to pay on average $1,460 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $415 each month if full coverage is purchased
• You may be able to save as much as $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• You may be able to save as much as $140 per year simply by quoting online in advance