Ford F-350 Super Duty Insurance Rates

U.S. average auto insurance rates for a Ford F-350 Super Duty are $1,334 annually for full coverage. Comprehensive costs an estimated $226 a year, collision costs $316, and liability costs $592. Liability-only insurance costs as little as $652 a year, with high-risk driver insurance costing around $2,866. Teenage drivers pay the highest rates at $5,306 a year or more.

Average premium for full coverage: $1,334

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and F-350 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

The ranges above show why it is important to compare rates for a targeted area and their own personal driving habits, 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 shows estimated Ford F-350 Super Duty insurance rates for other coverage scenarios.

• The best discount rate is $804
• Drivers who choose higher $1,000 deductibles will pay approximately $1,210 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,334
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,568
• Drivers who are prone to accidents and violations could pay up to $2,866 or more
• The price with full coverage for a 16-year-old driver can cost as much as $5,306 a year

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Car insurance prices for a Ford F-350 Super Duty are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost from 41% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $360 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Ford F-350 Super Duty insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,900 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate prices, so rate quotes may be quite different 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.

How to Buy More Affordable Ford F-350 Super Duty Insurance

Getting lower rates on insurance for a Ford F-350 Super Duty not only requires avoiding accidents and claims, but also having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,530 more annually to insure a Ford F-350 Super Duty
• Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $442 a month if comprehensive and collision insurance is included
• Drivers can save approximately $150 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $350 each year
• Drivers can save approximately $150 per year simply by quoting early and online