Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive costs approximately $206, collision insurance costs $300, and liability costs around $540. A liability-only policy costs as low as $592 a year, and high-risk insurance costs around $2,642. Teen drivers pay the most at up to $4,880 a year.

Average premium for full coverage: $1,226

Premium estimates by type of coverage:

These estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below breaks down average Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save $116 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,226
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,446
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,642
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost $4,880 or more

View Chart as Image

Auto insurance prices for a Ford F-250 Super Duty also have a wide range based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be from 43% to 136% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,800 a year. View Rates by Age

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 Vermont, New Hampshire, and Missouri, or as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $340 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $537 extra every year. View Rates by Deductible or Liability Limit

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 Cheap Ford F-250 Super Duty Insurance

Finding better rates on insurance for a Ford F-250 Super Duty requires being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Shop around every couple of years by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a brief summary of the material that was raised in the charts and tables above.

• Insureds who purchase higher levels of liability will pay about $590 per year to increase from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers have the highest car insurance prices, with the cost nearing $407 per month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations will likely pay on average $1,420 more per year for auto insurance
• Increasing policy deductibles can save approximately $325 each year