Ford F-350 Super Duty Insurance Rates
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UPDATED: Dec 17, 2019
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Do you need car insurance for a Ford F-350? Finding the right car insurance rates can be hard, but our guide is here to make things simpler. Whether you need to find 2006 Ford F-350 insurance or insurance for a 2020 model, we’ve got you covered.
We go over average car insurance rates, safety ratings, repair costs, and more, so you can be sure insurance and owning a Ford F-350 is within your budget.
Want to start finding insurance for a Ford F-350 today? Enter your ZIP code in our free tool above to get started on comparing rates.
Estimated auto insurance rates for a Ford F-350 Super Duty are $1,626 annually for full coverage. Comprehensive costs on average $332 a year, collision insurance costs $558, and liability is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs around $3,508. Teenage drivers pay the most at up to $6,152 a year.
Average premium for full coverage: $1,626
Premium estimates by type of coverage:
Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and F-350 Super Duty trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford F-350 Super Duty range from as cheap as $606 for minimum levels of liability insurance to a high of $3,508 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.
These rate differences show why it is important to compare rates quotes based on a specific location 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows average Ford F-350 Super Duty insurance rates for different risk profiles and scenarios.
- The best discount rate is $948
- Raising to $1,000 deductibles will save around $1,422 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,626
- Using low $100 deductibles will cost $2,016
- Drivers who are prone to accidents and violations could pay upwards of $3,508
- An auto insurance policy with full coverage for a 16-year-old driver may cost $6,152
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 driver profile, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $6,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,900 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $600 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Ford F-350 Super Duty insurance prices. A middle-age driver might find prices as low as $1,070 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,320 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
Rates assume 2017 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|
|2017 Ford F-350 Super Duty||$332||$558||$536||$1,626|
|2016 Ford F-350 Super Duty||$314||$538||$554||$1,606|
|2015 Ford F-350 Super Duty||$302||$500||$564||$1,566|
|2014 Ford F-350 Super Duty||$290||$470||$570||$1,530|
|2013 Ford F-350 Super Duty||$278||$422||$574||$1,474|
|2012 Ford F-350 Super Duty||$260||$388||$574||$1,422|
|2011 Ford F-350 Super Duty||$250||$364||$580||$1,394|
|2010 Ford F-350 Super Duty||$244||$340||$592||$1,376|
|2009 Ford F-350 Super Duty||$226||$316||$592||$1,334|
|2008 Ford F-350 Super Duty||$220||$286||$596||$1,302|
|2007 Ford F-350 Super Duty||$206||$262||$592||$1,260|
|2006 Ford F-350 Super Duty||$194||$238||$592||$1,224|
|2005 Ford F-350 Super Duty||$188||$214||$586||$1,188|
|2004 Ford F-350 Super Duty||$184||$208||$574||$1,166|
|2003 Ford F-350 Super Duty||$182||$198||$564||$1,144|
|2002 Ford F-350 Super Duty||$166||$190||$558||$1,114|
|2001 Ford F-350 Super Duty||$160||$180||$554||$1,094|
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 Best Ford F-350 Super Duty Insurance
Finding better rates on insurance for a Ford F-350 Super Duty consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to compare rates at every policy renewal by getting price quotes from direct carriers, and also from local insurance agents.
The following is a brief recap of the data covered in the above illustrations.
- Insureds who require higher liability limits will pay an extra $590 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Drivers can save as much as $190 per year just by quoting early and online
- Increasing policy deductibles could save up to $600 each year
- Teens pay the highest prices, as much as $513 per month including comprehensive and collision insurance
You could save about $800 a year by increasing your deductibles and getting online car insurance quotes. However, if you are a teen driver, your rates will still be higher.
Want to learn about what else determines the price of car insurance? Keep reading to find out.
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How does the size and class of the Ford F-350 affect liability rates?
Most states require drivers to have liability insurance, so it is important that you understand how your choice of vehicle can cause your liability rates to go through the roof. What does liability insurance cover? It pays for the other driver’s medical and property bills after an accident, so any cars that can inflict significant damage or are more likely to crash will have higher liability rates.
Unfortunately, the Ford F-350 is a very large pickup. Why are pickups so expensive to insure? The size of a pickup means that if crashes into other vehicles, the property damage and bodily injury losses may be more severe. Because of this, insurers will definitely look at insurance losses to determine liability rates.
To show you what insurers will be looking at, we pulled insurance losses from the Insurance Institute for Highway Safety (IIHS) for the Ford F-350 SuperCrew 4WD.
- Property Damage Losses: 34 percent (substantially worse than average)
- Bodily injury Losses: -8 percent (average)
The bodily injury losses are not bad, but the property damage losses are terrible. To see if this will cause high liability rates, keep reading.
What does liability insurance cost for the Ford F-350?
We filled out a sample quote from Geico to see what liability insurance would cost for a 2020 Ford F-350 Super Duty DRW Crew Cab (4×2 two-door pickup). Our sample is based on a 40-year-old driver who lives in Pennsylvania, has a clean driving record, and travels 13,000 miles a year.
The first set of prices below is for bodily injury coverage (for a six-month policy).
- Low ($15,000/$30,000): $45.78
- Medium ($100,000/$200,000): $93.84
- High ($500,000/$500,000): $151.07
These price increases may seem high, but the amount of coverage you get is great. Medical bills are expensive, which is why it’s important to have at least medium coverage in case you injure someone in an accident.
The price increases for property damage coverage are a bit lower, but the amount of coverage offered is lower (cars are cheaper to repair than people).
- Low ($5,000): $462.50
- Medium ($20,000): $498.39
- High ($100,000): $524.61
It only costs $62 to upgrade from low to high coverage, which is about an extra $10 a month.
What are the safety features and ratings of the Ford F-350?
Curious about what safety features are included with your Ford F-350? The more safety features there are on your car, the more willing your insurer will be in offering a discount. Take a look at AutoBlog’s list of standard safety features for the 2020 Ford F-350 below.
- Crash prevention: anti-lock brakes and stability control.
- Crash safety: front-impact airbags, side-impact airbags, and overhead airbags.
- Anti-theft: ignition disable device.
The Ford F-350 is a little light on safety features. Not only does this mean that you are less safe, but it also means you won’t earn as big a discount on your car insurance. In addition, the Ford F-350 hasn’t been crash-tested by the IIHS.
Because of this, insurers will likely look at fatality rates for pickups to gauge the crash risk of the Ford F-350. According to the IIHS, 2018 driver fatalities per million vehicles were 34 fatalities for pickups, 23 fatalities for SUVs, and 48 fatalities for cars. For all occupant fatalities per million vehicles, there were 42 pickup fatalities, 32 SUV fatalities, and 69 car fatalities.
These numbers show that pickups are in the middle safety-wise — pickups have more fatalities than SUVs but fewer fatalities than cars. Interestingly, the total number of fatalities in 2018 actually shows that pickups had the fewest fatalities. The breakdown of pickup fatalities by crash type is below.
- Frontal Impact: 2,493 deaths
- Side Impact: 807 deaths
- Rear Impact: 173 deaths
- Other (mostly rollovers): 896 deaths
Pickups only had a total of 4,369 fatalities in 2018, with frontal impacts being the deadliest type of crash. In comparison, there were 5,035 SUV fatalities and 13,138 car fatalities. Based on these numbers, a pickup is one of the safer vehicles to drive around in.
What is the MSRP of the Ford F-350?
Did you know that the manufacturer suggested retail price affects your car insurance rates? Insurers use this price to determine the value of a car, as MSRP is a fixed price, unlike the invoice price (the seller price) or the fair market value (what others are paying).
The two coverages that MSRP effects are collision coverage and comprehensive coverage, as these coverages pay for your car repairs after an accident. Collision covers crashes with other vehicles and objects, while comprehensive covers crashes with animals, weather damages, vandalism, and theft.
If the MSRP is high, this means that your insurer will have to pay more for repairs. To offset these potential losses, insurers will raise your collision and comprehensive rates. Want to know what the MSRP is for a Ford F-350?
According to Kelley Blue Book (KBB), the prices for the 2019 Ford F-350 Super Duty are as follows:
- MSRP: $39,715
- Invoice: $37,810
- Fair Purchase Price: $37,038
- Fair Market Range: $35,594 to $38,482
The MSRP is about $3,000 more than the fair purchase price, which shows how important it is to shop around for a fair purchase price.
Another factor that can affect the price of your car insurance is the insurance losses for collision and comprehensive insurance. Insurers want to know what the best and worst vehicles for overall collision losses and comprehensive losses are, as it helps insurers calculate a vehicle’s risk.
Luckily, most of the losses for the different versions of the Ford F-F30 are good. Below, you can see the IIHS’s data on average losses for collision insurance.
- Ford F-350 4WD: -38 percent (substantially better than average)
- Ford F-350 SuperCab 4WD: -43 percent (substantially better than average)
- Ford F-350 SuperCrew 4WD: -14 percent (average)
All of these losses are negative, which is great. However, the comprehensive losses aren’t as good as the collision losses.
- Ford F-350 SuperCab 4WD: -9 percent (average)
- Ford F-350 SuperCrew 4WD: 58 percent (substantially worse than average)
If you own the SuperCrew version of the Ford F-350, you may find that you have slightly higher rates for collision insurance. In addition, insurance is higher on a diesel truck, so any model version that runs on diesel may also have more expensive rates.
You may also wonder, does a 4×4 cost more to insure? The answer is yes, a 4×4 will cost more to insure than if you own a 2×2 version of the Ford F-350. For all other versions, however, you should have normal rates.
How much will it cost to repair my Ford F-350?
Knowing what your average repair costs are will help you prepare for yearly expenses. Cars that need expensive repair parts, such as custom made paint or a hard-to-find fender, will cost more to repair. If your car is expensive to repair or prone to breakdowns, insurers will charge more.
So to see what repairs are like for the 2020 Ford F-350, we used InstantEstimator’s free estimate tool to get repair estimates for level two damage.
- Front bumper: $389
- Rear bumper: $399
- Hood: $411
- Roof: $459
- Front door: $403
- Rear door: $391
- Fender: $363
- Quarter panel: $411
The repair costs for the Ford F-350 look about average, which is good news. Because the Ford F-350 is mass-produced by a popular manufacturer, parts and paint will be easier to find than if you had a custom-made or vintage car.
Now that we are at the end of our guide to Ford F-350 car insurance costs, we hope you have a better understanding of the rates you should be paying.
Want to start comparing rates for a Ford F-350 today or just want to know which truck has the cheapest insurance? Enter your ZIP code in our free tool.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$115|
|5-yr Claim Free||$104|
|Paid in Full/EFT||$71|
Discounts are estimated and may not be available from every company or in every state.