Ford F-350 Super Duty Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Estimated insurance rates for a Ford F-350 Super Duty are $1,376 a year including full coverage. Comprehensive costs an estimated $244, collision insurance costs $340, and liability costs around $592. A liability-only policy costs as low as $652 a year, and high-risk insurance costs around $2,956. Teenage drivers pay the most at up to $5,428 a year.

Average premium for full coverage: $1,376

Premium estimates broken down by type of coverage:

Comprehensive $244
Collision $340
Liability $592

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all F-350 Super Duty models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Ford F-350 Super Duty range from the low end price of $652 for a discount liability-only rate to the much higher price of $2,956 for a driver who requires high-risk insurance.

Liability Only $652
Full Coverage $1,376
High Risk $2,956

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,032
Small Cities $1,445
Large Cities $1,858

These rate differences highlight why everyone should compare prices for a targeted area, 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.

Rates by State, City, and Model

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

  • The best discount rate is $825
  • Using higher $1,000 deductibles will save approximately $134 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,376
  • Using pricier low deductibles for physical damage coverage bumps up the cost to $1,630
  • High-risk insureds who are prone to accidents and violations could pay up to $2,956
  • An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $5,428 or more

View Chart as Image

Ford F-350 Super Duty insurance cost comparison chart
Column chart showing Ford F-350 Super Duty insurance rates range from $825 to $5,428 for full coverage

Auto insurance prices for a Ford F-350 Super Duty also have a wide range based on the model of your F-350 Super Duty, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,300 in extra premium annually, depending on your age. Ford F-350 Super Duty insurance for high-risk drivers can be from 42% to 130% 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 $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Ford F-350 Super Duty insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,960 on average in Louisiana, New York, and Michigan.

Ford F-350 Super Duty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,242 -$134 -9.7%
Alaska $1,054 -$322 -23.4%
Arizona $1,140 -$236 -17.2%
Arkansas $1,376 -$0 0.0%
California $1,566 $190 13.8%
Colorado $1,312 -$64 -4.7%
Connecticut $1,412 $36 2.6%
Delaware $1,556 $180 13.1%
Florida $1,718 $342 24.9%
Georgia $1,268 -$108 -7.8%
Hawaii $986 -$390 -28.3%
Idaho $932 -$444 -32.3%
Illinois $1,022 -$354 -25.7%
Indiana $1,036 -$340 -24.7%
Iowa $932 -$444 -32.3%
Kansas $1,304 -$72 -5.2%
Kentucky $1,872 $496 36.0%
Louisiana $2,034 $658 47.8%
Maine $850 -$526 -38.2%
Maryland $1,134 -$242 -17.6%
Massachusetts $1,098 -$278 -20.2%
Michigan $2,388 $1,012 73.5%
Minnesota $1,152 -$224 -16.3%
Mississippi $1,646 $270 19.6%
Missouri $1,220 -$156 -11.3%
Montana $1,478 $102 7.4%
Nebraska $1,082 -$294 -21.4%
Nevada $1,648 $272 19.8%
New Hampshire $988 -$388 -28.2%
New Jersey $1,536 $160 11.6%
New Mexico $1,216 -$160 -11.6%
New York $1,446 $70 5.1%
North Carolina $790 -$586 -42.6%
North Dakota $1,126 -$250 -18.2%
Ohio $950 -$426 -31.0%
Oklahoma $1,410 $34 2.5%
Oregon $1,258 -$118 -8.6%
Pennsylvania $1,312 -$64 -4.7%
Rhode Island $1,832 $456 33.1%
South Carolina $1,246 -$130 -9.4%
South Dakota $1,158 -$218 -15.8%
Tennessee $1,202 -$174 -12.6%
Texas $1,654 $278 20.2%
Utah $1,020 -$356 -25.9%
Vermont $940 -$436 -31.7%
Virginia $822 -$554 -40.3%
Washington $1,062 -$314 -22.8%
West Virginia $1,260 -$116 -8.4%
Wisconsin $952 -$424 -30.8%
Wyoming $1,224 -$152 -11.0%

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $390 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

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 $1,474 $123
F-350 XL Super Cab 4WD $1,474 $123
F-350 XL Super Cab 2WD $1,148 $96
F-350 Super Cab Cabela Package 4WD $1,498 $125
F-350 XL Crew Cab 2WD $1,174 $98
F-350 XLT Crew Cab 4WD $1,524 $127
F-350 Crew Cab Harley Edition 4WD $1,524 $127
F-350 Crew Cab King Ranch 4WD $1,524 $127
F-350 Super Cab Cabela Package 2WD $1,174 $98
F-350 XL Super Cab Turbo Diesel 4WD $1,524 $127
F-350 XLT Super Cab 4WD $1,524 $127
F-350 Super Cab Harley Edition 4WD $1,524 $127
F-350 XL Crew Cab Cabela Package 2WD $1,198 $100
F-350 XL Crew Cab King Ranch 2WD $1,198 $100
F-350 XL Crew Cab Turbo Diesel 4WD $1,548 $129
F-350 Crew Cab Cabela Package 4WD $1,548 $129
F-350 Crew Cab King Ranch Turbo Diesel 4WD $1,548 $129
F-350 Crew Cab Lariat 4WD $1,548 $129
F-350 XLT Super Cab 2WD $1,198 $100
F-350 XLT Super Cab Turbo Diesel 4WD $1,548 $129
F-350 Super Cab Cabela Turbo Diesel 4WD $1,548 $129
F-350 Super Cab Lariat 4WD $1,548 $129
F-350 XL Crew Cab Turbo Diesel 2WD $1,226 $102
F-350 XLT Crew Cab 2WD $1,226 $102
F-350 XLT Crew Cab Harley Edition 2WD $1,226 $102
F-350 XLT Crew Cab Lariat 2WD $1,226 $102
F-350 XLT Crew Cab Turbo Diesel 4WD $1,576 $131
F-350 Crew Cab Harley Turbo Diesel 4WD $1,576 $131
F-350 XL Super Cab Turbo Diesel 2WD $1,226 $102
F-350 Super Cab Harley Edition 2WD $1,226 $102
F-350 Super Cab Lariat 2WD $1,226 $102
F-350 Super Cab Harley Turbo Diesel 4WD $1,576 $131
F-350 Super Cab Lariat Turbo Diesel 4WD $1,576 $131
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $1,250 $104
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,250 $104
F-350 Crew Cab Cabela Turbo Diesel 4WD $1,600 $133
F-350 Crew Cab Lariat Turbo Diesel 4WD $1,600 $133
F-350 Super Cab XLT Turbo Diesel 2WD $1,250 $104
F-350 Super Cab Cabela Turbo Diesel 2WD $1,250 $104
F-350 Super Cab Harley Turbo Diesel 2WD $1,250 $104
F-350 Crew Cab Lariat Turbo Diesel 2WD $1,276 $106
F-350 Super Cab Lariat Turbo Diesel 2WD $1,276 $106

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 $390 $626 $466 $1,682
2023 Ford F-350 Super Duty $372 $600 $488 $1,660
2022 Ford F-350 Super Duty $356 $596 $498 $1,650
2021 Ford F-350 Super Duty $344 $582 $520 $1,646
2020 Ford F-350 Super Duty $332 $558 $536 $1,626
2019 Ford F-350 Super Duty $314 $538 $554 $1,606
2018 Ford F-350 Super Duty $302 $500 $564 $1,566
2017 Ford F-350 Super Duty $290 $470 $570 $1,530
2016 Ford F-350 Super Duty $278 $422 $574 $1,474
2014 Ford F-350 Super Duty $250 $364 $580 $1,394
2013 Ford F-350 Super Duty $244 $340 $592 $1,376
2010 Ford F-350 Super Duty $206 $262 $592 $1,260

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 Cheaper Ford F-350 Super Duty Insurance

Finding better rates on insurance for a Ford F-350 Super Duty requires having a good driving record, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Compare prices at every other renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a condensed summary of the concepts that were covered above.

  • Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,580 more annually to buy Ford F-350 Super Duty insurance
  • Drivers age 20 and younger are the costliest to insure, with the cost nearing $452 per month if the policy includes full coverage
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $400 each year
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Ford F-350 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $5,428
20 $3,138
30 $1,404
40 $1,376
50 $1,260
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Ford F-350 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,514
$500 $1,376
$1,000 $1,242

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 $1,376
50/100 $1,371
100/300 $1,489
250/500 $1,797
100 CSL $1,418
300 CSL $1,679
500 CSL $1,869

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-350 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $7,670
20 $5,002
30 $2,990
40 $2,956
50 $2,826
60 $2,794

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 $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $74
Homeowner $24
5-yr Accident Free $87
5-yr Claim Free $87
Paid in Full/EFT $52
Advance Quote $62
Online Quote $94
Total Discounts $551
Rate after discounts $825

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

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