Ford F-350 Super Duty Insurance Rates

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UPDATED: May 22, 2024

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Average auto insurance rates for a Ford F-350 Super Duty are $1,334 annually with full coverage. Comprehensive insurance costs on average $226, collision insurance costs $316, and liability coverage costs around $592. Buying just liability costs as low as $652 a year, and insurance for high-risk drivers costs $2,866 or more. Teenage drivers receive the highest rates at up to $5,306 a year.

Average premium for full coverage: $1,334

Rate estimates by individual coverage type:

Comprehensive $226
Collision $316
Liability $592

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different F-350 Super Duty trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from as cheap as $652 for just liability insurance to a much higher rate of $2,866 for a driver who has had serious violations or accidents.

Liability Only $652
Full Coverage $1,334
High Risk $2,866

Price Range by Location

Where you live has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using 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.

More Rate Details

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

  • The best discount rate is $804
  • Using higher $1,000 deductibles will save around $124 annually
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,334
  • Using more expensive low deductibles for physical damage coverage costs an additional $234 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,866
  • The cost with full coverage for a teenage driver with full coverage may cost $5,306 or more

View Chart as Image

Ford F-350 Super Duty insurance cost comparison chart
Column chart showing Ford F-350 Super Duty insurance prices range from $804 to $5,306 for full coverage

Auto insurance rates for a Ford F-350 Super Duty can also vary considerably based on the trim level of your F-350 Super Duty, your driving record, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be around 41% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $360 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford F-350 Super Duty insurance rates. A driver around age 40 might see rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,800 on average in Florida, Michigan, and New York.

Ford F-350 Super Duty Insurance Rates by State
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%

View Chart as Image

Ford F-350 Super Duty insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Ford F-350 Super Duty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $1,434 $120
F-350 XL Super Cab 4WD $1,434 $120
F-350 XL Super Cab 2WD $1,110 $93
F-350 Super Cab Cabela Package 4WD $1,458 $122
F-350 XL Crew Cab 2WD $1,134 $95
F-350 XLT Crew Cab 4WD $1,482 $124
F-350 Crew Cab Harley Edition 4WD $1,482 $124
F-350 Crew Cab King Ranch 4WD $1,482 $124
F-350 Super Cab Cabela Package 2WD $1,134 $95
F-350 XL Super Cab Turbo Diesel 4WD $1,482 $124
F-350 XLT Super Cab 4WD $1,482 $124
F-350 Super Cab Harley Edition 4WD $1,482 $124
F-350 XL Crew Cab Cabela Package 2WD $1,158 $97
F-350 XL Crew Cab King Ranch 2WD $1,158 $97
F-350 XL Crew Cab Turbo Diesel 4WD $1,504 $125
F-350 Crew Cab Cabela Package 4WD $1,504 $125
F-350 Crew Cab King Ranch Turbo Diesel 4WD $1,504 $125
F-350 Crew Cab Lariat 4WD $1,504 $125
F-350 XLT Super Cab 2WD $1,158 $97
F-350 XLT Super Cab Turbo Diesel 4WD $1,504 $125
F-350 Super Cab Cabela Turbo Diesel 4WD $1,504 $125
F-350 Super Cab Lariat 4WD $1,504 $125
F-350 XL Crew Cab Turbo Diesel 2WD $1,182 $99
F-350 XLT Crew Cab 2WD $1,182 $99
F-350 XLT Crew Cab Harley Edition 2WD $1,182 $99
F-350 XLT Crew Cab Lariat 2WD $1,182 $99
F-350 XLT Crew Cab Turbo Diesel 4WD $1,528 $127
F-350 Crew Cab Harley Turbo Diesel 4WD $1,528 $127
F-350 XL Super Cab Turbo Diesel 2WD $1,182 $99
F-350 Super Cab Harley Edition 2WD $1,182 $99
F-350 Super Cab Lariat 2WD $1,182 $99
F-350 Super Cab Harley Turbo Diesel 4WD $1,528 $127
F-350 Super Cab Lariat Turbo Diesel 4WD $1,528 $127
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $1,204 $100
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,204 $100
F-350 Crew Cab Cabela Turbo Diesel 4WD $1,552 $129
F-350 Crew Cab Lariat Turbo Diesel 4WD $1,552 $129
F-350 Super Cab XLT Turbo Diesel 2WD $1,204 $100
F-350 Super Cab Cabela Turbo Diesel 2WD $1,204 $100
F-350 Super Cab Harley Turbo Diesel 2WD $1,204 $100
F-350 Crew Cab Lariat Turbo Diesel 2WD $1,228 $102
F-350 Super Cab Lariat Turbo Diesel 2WD $1,228 $102

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.

Ford F-350 Super Duty Insurance Rates by Model Year
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 Buy the Cheapest Ford F-350 Super Duty Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a recap of the ideas that were covered in the above illustrations.

  • Teens are charged the highest rates, with premiums as much as $442 per month if full coverage is included
  • Drivers that have major violations or accidents pay an average of $1,530 more each year for F-350 Super Duty insurance
  • Increasing deductibles could save up to $350 each year
  • You may be able to save as much as $150 per year just by shopping early and online

Rates by Driver Age

Ford F-350 Super Duty Insurance 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

Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,460
$500 $1,334
$1,000 $1,210

Full coverage, driver age 40

Rates by Liability Limit

Ford F-350 Super Duty Insurance Rates with Different Liability Limits
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

Ford F-350 Super Duty Insurance 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.

SR-22 Surcharge $180

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
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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