Ford F-250 Super Duty Insurance Rates

The average insurance prices for a Ford F-250 Super Duty are $1,254 every 12 months for full coverage insurance. Comprehensive costs approximately $210 a year, collision costs $330, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing around $2,714. Teens cost the most to insure at $4,984 a year or more.

Average premium for full coverage: $1,254

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below illustrates estimated Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $748
• Raising to $1,000 deductibles will save $1,132 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,254
• Selecting low $100 deductibles increases the price to $1,492
• Drivers with serious driving violations could pay around $2,714 or more
• Policy cost to insure a 16-year-old driver can cost $4,984

View Chart as Image

Insurance rates for a Ford F-250 Super Duty also range considerably based on liability limits and deductibles, your risk profile, and the model of your F-250 Super Duty.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $533 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,700 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied.

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 Shop for Cheaper Ford F-250 Super Duty Insurance

Finding cheaper rates on insurance for a Ford F-250 Super Duty consists of being safe and accident-free, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every couple of years by getting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a condensed summary of the material that was covered in the above illustrations.

• Insureds who purchase more liability protection will pay approximately $590 annually to raise from a 30/60 limit to a 250/500 level
• Youthful drivers are the costliest to insure, possibly costing $415 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,460 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $350 each year