Ford F-350 Super Duty Insurance Rates

The average insurance prices for a Ford F-350 Super Duty are $1,302 every 12 months including full coverage. Comprehensive costs an estimated $220 each year, collision costs $286, and liability is estimated at $596. A liability-only policy costs approximately $656 a year, with high-risk insurance costing around $2,796. Teenage drivers cost the most to insure at $5,210 a year or more.

Average premium for full coverage: $1,302

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and F-350 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Ford F-350 Super Duty insurance rates for other coverage scenarios.

• The best discount rate is $789
• Choosing higher $1,000 deductibles can save approximately $114 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,302
• Using low deductibles for comp and collision coverage increases the price to $1,522
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,796 or more
• Policy cost to insure a 16-year-old driver can cost as much as $5,210 each year

View Chart as Image

Car insurance rates for a Ford F-350 Super Duty also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $340 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 128% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford F-350 Super Duty insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,860 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer 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 Shop for Cheaper Ford F-350 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-350 Super Duty takes having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a condensed summary of the coverage data covered in the charts and tables above.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $434 each month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,490 more annually than a driver with a clean driving record