Ford F-350 Super Duty Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for a Ford F-350 Super Duty are $1,302 annually for full coverage. Comprehensive insurance costs on average $220 each year, collision costs $286, and liability coverage costs $596. Buying just liability costs as little as $656 a year, with insurance for high-risk drivers costing $2,796 or more. Teens cost the most to insure at $5,210 a year or more.
Average premium for full coverage: $1,302
Policy rates by type of insurance:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and F-350 Super Duty models.
Price Range Variability
For the average 40-year-old driver, Ford F-350 Super Duty insurance rates go from as cheap as $656 for a discount liability-only rate to a high rate of $2,796 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on car insurance rates.
The examples above show why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below shows estimated Ford F-350 Super Duty insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $789
- Drivers who choose higher $1,000 deductibles will pay around $114 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,302
- Selecting low deductibles for comprehensive and collision insurance costs an additional $220 each year
- High-risk insureds with serious driving violations could pay upwards of $2,796 or more
- Policy cost with full coverage for a teenage driver may cost $5,210 a year
Insurance rates for a Ford F-350 Super Duty also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit
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 $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,860 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,178 | -$124 | -9.5% |
| Alaska | $1,000 | -$302 | -23.2% |
| Arizona | $1,082 | -$220 | -16.9% |
| Arkansas | $1,302 | -$0 | 0.0% |
| California | $1,484 | $182 | 14.0% |
| Colorado | $1,244 | -$58 | -4.5% |
| Connecticut | $1,338 | $36 | 2.8% |
| Delaware | $1,476 | $174 | 13.4% |
| Florida | $1,628 | $326 | 25.0% |
| Georgia | $1,202 | -$100 | -7.7% |
| Hawaii | $934 | -$368 | -28.3% |
| Idaho | $884 | -$418 | -32.1% |
| Illinois | $970 | -$332 | -25.5% |
| Indiana | $982 | -$320 | -24.6% |
| Iowa | $884 | -$418 | -32.1% |
| Kansas | $1,236 | -$66 | -5.1% |
| Kentucky | $1,776 | $474 | 36.4% |
| Louisiana | $1,928 | $626 | 48.1% |
| Maine | $804 | -$498 | -38.2% |
| Maryland | $1,074 | -$228 | -17.5% |
| Massachusetts | $1,038 | -$264 | -20.3% |
| Michigan | $2,260 | $958 | 73.6% |
| Minnesota | $1,090 | -$212 | -16.3% |
| Mississippi | $1,558 | $256 | 19.7% |
| Missouri | $1,156 | -$146 | -11.2% |
| Montana | $1,402 | $100 | 7.7% |
| Nebraska | $1,026 | -$276 | -21.2% |
| Nevada | $1,560 | $258 | 19.8% |
| New Hampshire | $938 | -$364 | -28.0% |
| New Jersey | $1,454 | $152 | 11.7% |
| New Mexico | $1,154 | -$148 | -11.4% |
| New York | $1,368 | $66 | 5.1% |
| North Carolina | $750 | -$552 | -42.4% |
| North Dakota | $1,066 | -$236 | -18.1% |
| Ohio | $900 | -$402 | -30.9% |
| Oklahoma | $1,336 | $34 | 2.6% |
| Oregon | $1,192 | -$110 | -8.4% |
| Pennsylvania | $1,242 | -$60 | -4.6% |
| Rhode Island | $1,738 | $436 | 33.5% |
| South Carolina | $1,178 | -$124 | -9.5% |
| South Dakota | $1,100 | -$202 | -15.5% |
| Tennessee | $1,140 | -$162 | -12.4% |
| Texas | $1,568 | $266 | 20.4% |
| Utah | $966 | -$336 | -25.8% |
| Vermont | $890 | -$412 | -31.6% |
| Virginia | $780 | -$522 | -40.1% |
| Washington | $1,004 | -$298 | -22.9% |
| West Virginia | $1,194 | -$108 | -8.3% |
| Wisconsin | $902 | -$400 | -30.7% |
| Wyoming | $1,160 | -$142 | -10.9% |
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every company calculates rates differently, so the rates will be varied between companies.
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 | $356 | $596 | $498 | $1,650 |
| 2023 Ford F-350 Super Duty | $344 | $582 | $520 | $1,646 |
| 2022 Ford F-350 Super Duty | $332 | $558 | $536 | $1,626 |
| 2021 Ford F-350 Super Duty | $314 | $538 | $554 | $1,606 |
| 2020 Ford F-350 Super Duty | $302 | $500 | $564 | $1,566 |
| 2019 Ford F-350 Super Duty | $290 | $470 | $570 | $1,530 |
| 2018 Ford F-350 Super Duty | $278 | $422 | $574 | $1,474 |
| 2017 Ford F-350 Super Duty | $260 | $388 | $574 | $1,422 |
| 2016 Ford F-350 Super Duty | $250 | $364 | $580 | $1,394 |
| 2014 Ford F-350 Super Duty | $226 | $316 | $592 | $1,334 |
| 2013 Ford F-350 Super Duty | $220 | $286 | $596 | $1,302 |
| 2010 Ford F-350 Super Duty | $188 | $214 | $586 | $1,188 |
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 Buy Low Cost Ford F-350 Super Duty Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Make time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The points below are a review of the primary concepts that were touched on in this article.
- Drivers can save as much as $150 per year simply by quoting online in advance
- Drivers who have several accidents or serious violations may be required to pay an average of $1,490 more each year to insure a Ford F-350 Super Duty
- Increasing comprehensive and collision deductibles could save up to $325 each year
- Drivers under the age of 20 pay the highest rates, costing up to $434 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,210 |
| 20 | $2,972 |
| 30 | $1,324 |
| 40 | $1,302 |
| 50 | $1,194 |
| 60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,522 |
| $250 | $1,422 |
| $500 | $1,302 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,302 |
| 50/100 | $1,290 |
| 100/300 | $1,409 |
| 250/500 | $1,720 |
| 100 CSL | $1,337 |
| 300 CSL | $1,600 |
| 500 CSL | $1,792 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,346 |
| 20 | $4,734 |
| 30 | $2,824 |
| 40 | $2,796 |
| 50 | $2,676 |
| 60 | $2,646 |
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 | $66 |
| Multi-vehicle | $70 |
| Homeowner | $23 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $47 |
| Advance Quote | $57 |
| Online Quote | $88 |
| Total Discounts | $513 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
