Ford F-350 Super Duty Insurance Rates
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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...
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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:
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.
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.
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
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.
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% |
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 | $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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,568 |
$250 | $1,460 |
$500 | $1,334 |
$1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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