Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage. Comprehensive costs on average $206 each year, collision costs $300, and liability costs $540. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing around $2,642. 16-year-old drivers receive the highest rates at $4,880 a year or more.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and F-250 Super Duty models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have lower incidents of accident claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These examples show why all drivers should compare rates based on a specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below shows estimated Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $735
• Drivers who choose higher $1,000 deductibles will pay around $116 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,226
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,446
• Drivers with multiple tickets or accidents could pay upwards of $2,642 or more
• The cost that insures a 16-year-old driver may cost $4,880 a year

View Chart as Image

Insurance rates for a Ford F-250 Super Duty can also vary considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 136% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,800 a year. View Rates by Age

Where you live makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or at least $1,750 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $340 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $537 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and rates can be significantly different.

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 Find Cheaper Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty not only requires avoiding accidents and violations, but also having a good credit score, eliminating unneeded coverage, and insuring your home and auto with the same company. Comparison shop at least once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a condensed summary of the primary concepts that were covered in the above illustrations.

• Drivers can save as much as $140 per year simply by quoting online in advance
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,420 more each year for car insurance
• Increasing deductibles can save approximately $325 each year
• Teenagers pay higher rates, costing as high as $407 per month if comprehensive and collision insurance is included