Ford F-350 Super Duty Insurance Rates

The average insurance rates for a Ford F-350 Super Duty are $1,334 a year for full coverage insurance. Comprehensive costs on average $226, collision costs $316, and liability coverage costs $592. Buying just liability costs as little as $652 a year, with insurance for high-risk drivers costing around $2,866. Teens cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,334

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all F-350 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how your location can change car insurance rates.

The examples above illustrate why everyone should compare rates based on a specific location, rather than using averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Ford F-350 Super Duty insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $804
• Drivers who choose higher $1,000 deductibles will pay around $124 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,334
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,568
• High-risk insureds with serious driving violations could pay upwards of $2,866 or more
• Policy cost that insures a teenage driver for full coverage may cost $5,306 a year

View Chart as Image

Insurance rates for a Ford F-350 Super Duty also range considerably based on the model of your F-350 Super Duty, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers can cost around 41% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age

Your home state makes a big difference in Ford F-350 Super Duty insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,800 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every company calculates rates differently, so the rates 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 Affordable Ford F-350 Super Duty Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and bundling your home and auto policies. Compare rates at least every other year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief review of the car insurance concepts illustrated above.

• Drivers with DUI or reckless driving convictions may pay on average $1,530 more each year than a safer driver
• It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Consumers who require an increased level of liability coverage will pay approximately $650 annually to go from a 30/60 limit to the 250/500 level