Ford F-350 Super Duty Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 22, 2024
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U.S. average insurance rates for a Ford F-350 Super Duty are $1,334 a year with full coverage. Comprehensive insurance costs approximately $226, collision costs $316, and liability costs around $592. Liability-only coverage costs as low as $652 a year, with high-risk coverage costing $2,866 or more. Teenage drivers pay the highest rates at $5,306 a year or more.
Average premium for full coverage: $1,334
Price estimates by individual coverage:
Estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all F-350 Super Duty models.
Price Range from Low to High
For an average driver, Ford F-350 Super Duty insurance prices go from the low end price of $652 for basic liability insurance to the much higher price of $2,866 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.
The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above demonstrate why everyone should compare prices using their specific location, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details estimated Ford F-350 Super Duty insurance rates for additional coverage and risk scenarios.
- The best discount rate is $804
- Using higher $1,000 deductibles will save $124 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,334
- Using pricier low deductibles for physical damage coverage will cost an additional $234 annually
- High-risk insureds who are prone to accidents and violations could pay around $2,866 or more
- The price that insures a 16-year-old driver for full coverage can cost $5,306 or more
Auto insurance prices for a Ford F-350 Super Duty are also quite variable based on the model of your F-350 Super Duty, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers can be from 41% to 134% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age
The state you live in has a huge impact on Ford F-350 Super Duty insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,800 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,202 | -$132 | -9.9% |
| Alaska | $1,022 | -$312 | -23.4% |
| Arizona | $1,104 | -$230 | -17.2% |
| Arkansas | $1,334 | -$0 | 0.0% |
| California | $1,518 | $184 | 13.8% |
| Colorado | $1,270 | -$64 | -4.8% |
| Connecticut | $1,368 | $34 | 2.5% |
| Delaware | $1,506 | $172 | 12.9% |
| Florida | $1,666 | $332 | 24.9% |
| Georgia | $1,228 | -$106 | -7.9% |
| Hawaii | $954 | -$380 | -28.5% |
| Idaho | $904 | -$430 | -32.2% |
| Illinois | $992 | -$342 | -25.6% |
| Indiana | $1,004 | -$330 | -24.7% |
| Iowa | $902 | -$432 | -32.4% |
| Kansas | $1,266 | -$68 | -5.1% |
| Kentucky | $1,816 | $482 | 36.1% |
| Louisiana | $1,972 | $638 | 47.8% |
| Maine | $822 | -$512 | -38.4% |
| Maryland | $1,100 | -$234 | -17.5% |
| Massachusetts | $1,064 | -$270 | -20.2% |
| Michigan | $2,314 | $980 | 73.5% |
| Minnesota | $1,116 | -$218 | -16.3% |
| Mississippi | $1,596 | $262 | 19.6% |
| Missouri | $1,182 | -$152 | -11.4% |
| Montana | $1,432 | $98 | 7.3% |
| Nebraska | $1,048 | -$286 | -21.4% |
| Nevada | $1,598 | $264 | 19.8% |
| New Hampshire | $960 | -$374 | -28.0% |
| New Jersey | $1,488 | $154 | 11.5% |
| New Mexico | $1,178 | -$156 | -11.7% |
| New York | $1,400 | $66 | 4.9% |
| North Carolina | $766 | -$568 | -42.6% |
| North Dakota | $1,092 | -$242 | -18.1% |
| Ohio | $920 | -$414 | -31.0% |
| Oklahoma | $1,366 | $32 | 2.4% |
| Oregon | $1,220 | -$114 | -8.5% |
| Pennsylvania | $1,270 | -$64 | -4.8% |
| Rhode Island | $1,776 | $442 | 33.1% |
| South Carolina | $1,208 | -$126 | -9.4% |
| South Dakota | $1,124 | -$210 | -15.7% |
| Tennessee | $1,166 | -$168 | -12.6% |
| Texas | $1,606 | $272 | 20.4% |
| Utah | $988 | -$346 | -25.9% |
| Vermont | $910 | -$424 | -31.8% |
| Virginia | $796 | -$538 | -40.3% |
| Washington | $1,030 | -$304 | -22.8% |
| West Virginia | $1,220 | -$114 | -8.5% |
| Wisconsin | $922 | -$412 | -30.9% |
| Wyoming | $1,186 | -$148 | -11.1% |
Using high physical damage deductibles could cut prices by as much as $360 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-350 Super Duty | $372 | $600 | $488 | $1,660 |
| 2023 Ford F-350 Super Duty | $356 | $596 | $498 | $1,650 |
| 2022 Ford F-350 Super Duty | $344 | $582 | $520 | $1,646 |
| 2021 Ford F-350 Super Duty | $332 | $558 | $536 | $1,626 |
| 2020 Ford F-350 Super Duty | $314 | $538 | $554 | $1,606 |
| 2019 Ford F-350 Super Duty | $302 | $500 | $564 | $1,566 |
| 2018 Ford F-350 Super Duty | $290 | $470 | $570 | $1,530 |
| 2017 Ford F-350 Super Duty | $278 | $422 | $574 | $1,474 |
| 2016 Ford F-350 Super Duty | $260 | $388 | $574 | $1,422 |
| 2014 Ford F-350 Super Duty | $244 | $340 | $592 | $1,376 |
| 2013 Ford F-350 Super Duty | $226 | $316 | $592 | $1,334 |
| 2010 Ford F-350 Super Duty | $194 | $238 | $592 | $1,224 |
Rates are averaged for all Ford F-350 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Ford F-350 Super Duty Insurance
Getting lower rates on insurance for a Ford F-350 Super Duty requires not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices at every policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.
The following is a review of the data covered in the above illustrations.
- Insureds who purchase higher liability limits will pay an extra $650 every year to increase from a low limit to the 250/500 level
- You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $350 each year
- Teens have the highest car insurance prices, costing up to $442 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,306 |
| 20 | $3,048 |
| 30 | $1,358 |
| 40 | $1,334 |
| 50 | $1,222 |
| 60 | $1,196 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,460 |
| $500 | $1,334 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,334 |
| 50/100 | $1,323 |
| 100/300 | $1,441 |
| 250/500 | $1,749 |
| 100 CSL | $1,370 |
| 300 CSL | $1,631 |
| 500 CSL | $1,821 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,490 |
| 20 | $4,856 |
| 30 | $2,898 |
| 40 | $2,866 |
| 50 | $2,742 |
| 60 | $2,710 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $72 |
| Homeowner | $23 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $91 |
| Total Discounts | $530 |
Discounts are estimated and may not be available from every company or in every state.
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