Ford F-250 Super Duty Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Lower Your 2010 Ford F-250 Super Duty Car Insurance Cost in 2025

Want lower insurance coverage rates for your Ford F-250 Super Duty? Have you fallen victim to an overpriced insurance coverage policy? It's quite common and there are many consumers feeling the pinch from expensive insurance coverage. Insurance companies such as State Farm, Progressive and GEICO all claim big savings, bombarding you with fancy advertisements and it is difficult to see past the cor...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: May 4, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage. Comprehensive insurance costs approximately $210, collision costs $330, and liability costs around $534. A policy with only liability insurance costs as low as $588 a year, with a high-risk policy costing $2,714 or more. 16-year-old drivers pay the most at $4,984 a year or more.

Average premium for full coverage: $1,254

Premium estimates by type of coverage:

Comprehensive $210
Collision $330
Liability $534

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Ford F-250 Super Duty go from the low end price of $588 for minimum levels of liability insurance to the much higher price of $2,714 for high-risk insurance.

Liability Only $588
Full Coverage $1,254
High Risk $2,714

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The example below illustrates how your location can change auto insurance prices.

Rural Areas $941
Small Cities $1,317
Large Cities $1,693

These rate differences show why everyone should compare prices using their specific location, instead of using rate averages.

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

  • The best full coverage rate is $748
  • Using higher $1,000 deductibles will save $122 a year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,254
  • Buying pricier low deductibles for physical damage coverage will cost an additional $238 every year
  • Drivers with multiple tickets or accidents could pay around $2,714 or more
  • An auto insurance policy that insures a teen driver for full coverage can cost $4,984 or more

View Chart as Image

Ford F-250 Super Duty insurance cost comparison chart
Column chart showing full coverage Ford F-250 Super Duty insurance prices range from $748 to $4,984

Car insurance prices for a Ford F-250 Super Duty also have a wide range based on the model of your F-250 Super Duty, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be as much as 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see prices as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,790 on average in New York, Louisiana, and Michigan.

Ford F-250 Super Duty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,134 -$120 -9.6%
Alaska $964 -$290 -23.1%
Arizona $1,042 -$212 -16.9%
Arkansas $1,254 -$0 0.0%
California $1,430 $176 14.0%
Colorado $1,198 -$56 -4.5%
Connecticut $1,290 $36 2.9%
Delaware $1,420 $166 13.2%
Florida $1,572 $318 25.4%
Georgia $1,160 -$94 -7.5%
Hawaii $902 -$352 -28.1%
Idaho $850 -$404 -32.2%
Illinois $934 -$320 -25.5%
Indiana $948 -$306 -24.4%
Iowa $848 -$406 -32.4%
Kansas $1,192 -$62 -4.9%
Kentucky $1,714 $460 36.7%
Louisiana $1,860 $606 48.3%
Maine $776 -$478 -38.1%
Maryland $1,036 -$218 -17.4%
Massachusetts $1,002 -$252 -20.1%
Michigan $2,178 $924 73.7%
Minnesota $1,050 -$204 -16.3%
Mississippi $1,504 $250 19.9%
Missouri $1,114 -$140 -11.2%
Montana $1,348 $94 7.5%
Nebraska $990 -$264 -21.1%
Nevada $1,506 $252 20.1%
New Hampshire $906 -$348 -27.8%
New Jersey $1,406 $152 12.1%
New Mexico $1,110 -$144 -11.5%
New York $1,322 $68 5.4%
North Carolina $724 -$530 -42.3%
North Dakota $1,028 -$226 -18.0%
Ohio $866 -$388 -30.9%
Oklahoma $1,288 $34 2.7%
Oregon $1,152 -$102 -8.1%
Pennsylvania $1,198 -$56 -4.5%
Rhode Island $1,674 $420 33.5%
South Carolina $1,138 -$116 -9.3%
South Dakota $1,062 -$192 -15.3%
Tennessee $1,098 -$156 -12.4%
Texas $1,512 $258 20.6%
Utah $928 -$326 -26.0%
Vermont $860 -$394 -31.4%
Virginia $750 -$504 -40.2%
Washington $968 -$286 -22.8%
West Virginia $1,152 -$102 -8.1%
Wisconsin $868 -$386 -30.8%
Wyoming $1,118 -$136 -10.8%

View Chart as Image

Ford F-250 Super Duty insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $360 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Ford F-250 Super Duty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
F-250 XL 2WD $1,154 $96
F-250 XL Cabela Package 2WD $1,200 $100
F-250 XL Super Cab 2WD $1,200 $100
F-250 XLT 2WD $1,200 $100
F-250 XL Harley Edition 2WD $1,224 $102
F-250 XL 4WD $1,254 $105
F-250 XL Crew Cab 2WD $1,224 $102
F-250 XL Super Cab Cabela Package 2WD $1,224 $102
F-250 XLT Super Cab 2WD $1,224 $102
F-250 King Ranch Crew Cab 2WD $1,246 $104
F-250 XL Turbo Diesel 2WD $1,246 $104
F-250 XL Cabela Package 4WD $1,278 $107
F-250 XL Crew Cab Cabela Package 2WD $1,246 $104
F-250 XL Crew Cab 4WD $1,278 $107
F-250 XL Super Cab Harley Edition 2WD $1,246 $104
F-250 XL Super Cab 4WD $1,278 $107
F-250 XLT 4WD $1,278 $107
F-250 XLT Crew Cab 2WD $1,246 $104
F-250 King Ranch Crew Cab 4WD $1,302 $109
F-250 Lariat Crew Cab 2WD $1,270 $106
F-250 Lariat Super Cab 2WD $1,270 $106
F-250 XL Cabela Turbo Diesel 2WD $1,270 $106
F-250 XL Harley Edition 4WD $1,302 $109
F-250 XL Crew Cab Turbo Diesel 2WD $1,270 $106
F-250 XL Crew Cab Harley Edition 2WD $1,270 $106
F-250 XL Super Cab Turbo Diesel 2WD $1,270 $106
F-250 XL Super Cab Cabela Turbo Diesel 2WD $1,270 $106
F-250 XL Super Cab Cabela Package 4WD $1,302 $109
F-250 XLT Turbo Diesel 2WD $1,270 $106
F-250 XLT Super Cab 4WD $1,302 $109
F-250 King Ranch Crew Cab Turbo Diesel 2WD $1,294 $108
F-250 Lariat Super Cab Turbo Diesel 2WD $1,294 $108
F-250 Lariat Super Cab 4WD $1,326 $111
F-250 XL Harley Turbo Diesel 2WD $1,294 $108
F-250 XL Turbo Diesel 4WD $1,326 $111
F-250 XL Cabela Turbo Diesel 4WD $1,326 $111
F-250 XL Crew Cab Cabela Turbo Diesel 2WD $1,294 $108
F-250 XL Crew Cab Harley Turbo Diesel 2WD $1,294 $108
F-250 XL Crew Cab Turbo Diesel 4WD $1,326 $111
F-250 XL Crew Cab Harley Edition 4WD $1,326 $111
F-250 XL Super Cab Harley Turbo Diesel 2WD $1,294 $108
F-250 XL Super Cab Turbo Diesel 4WD $1,326 $111
F-250 XL Super Cab Harley Edition 4WD $1,326 $111
F-250 XLT Turbo Diesel 4WD $1,326 $111
F-250 XLT Crew Cab Turbo Diesel 2WD $1,294 $108
F-250 XLT Crew Cab 4WD $1,326 $111
F-250 XLT Super Cab Turbo Diesel 2WD $1,294 $108
F-250 Cabela Crew Cab 4WD $1,348 $112
F-250 King Ranch Crew Cab Turbo Diesel 4WD $1,348 $112
F-250 Lariat Crew Cab Turbo Diesel 2WD $1,318 $110
F-250 Lariat Crew Cab 4WD $1,348 $112
F-250 XL Harley Turbo Diesel 4WD $1,348 $112
F-250 XL Super Cab Cabela Turbo Diesel 4WD $1,348 $112
F-250 XLT Crew Cab Turbo Diesel 4WD $1,348 $112
F-250 XLT Super Cab Turbo Diesel 4WD $1,348 $112
F-250 Lariat Crew Cab Turbo Diesel 4WD $1,372 $114
F-250 Lariat Super Cab Turbo Diesel 4WD $1,372 $114
F-250 XL Crew Cab Harley Turbo Diesel 4WD $1,372 $114
F-250 XL Super Cab Harley Turbo Diesel 4WD $1,372 $114

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-250 Super Duty Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford F-250 Super Duty $346 $630 $440 $1,596
2023 Ford F-250 Super Duty $332 $626 $450 $1,588
2022 Ford F-250 Super Duty $320 $610 $470 $1,580
2021 Ford F-250 Super Duty $310 $586 $486 $1,562
2020 Ford F-250 Super Duty $292 $564 $500 $1,536
2019 Ford F-250 Super Duty $282 $524 $510 $1,496
2018 Ford F-250 Super Duty $270 $494 $514 $1,458
2017 Ford F-250 Super Duty $258 $442 $520 $1,400
2016 Ford F-250 Super Duty $242 $408 $520 $1,350
2015 Ford F-250 Super Duty $234 $382 $524 $1,320
2014 Ford F-250 Super Duty $228 $356 $534 $1,298
2013 Ford F-250 Super Duty $210 $330 $534 $1,254
2010 Ford F-250 Super Duty $180 $250 $534 $1,144

Rates are averaged for all Ford F-250 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 the Best Ford F-250 Super Duty Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a positive credit history, not filing small claims, and avoiding coverage lapses. Comparison shop every couple of years by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The points below are a brief recap of the material that was illustrated above.

  • Policyholders who purchase increased liability limits will pay around $590 each year to increase from 30/60 bodily injury limits to the 250/500 level
  • Drivers under the age of 20 pay the highest auto insurance prices, as much as $415 per month if full coverage is purchased
  • Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,460 more per year to insure a Ford F-250 Super Duty
  • Increasing policy deductibles can save approximately $350 each year

Rates by Driver Age

Ford F-250 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $4,984
20 $2,890
30 $1,286
40 $1,254
50 $1,152
60 $1,130

Full coverage, $500 deductibles

Rates by Deductible

Ford F-250 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,384
$500 $1,254
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Ford F-250 Super Duty Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,254
50/100 $1,490
100/300 $1,638
250/500 $2,023
100 CSL $1,550
300 CSL $1,875
500 CSL $2,112

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-250 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $7,052
20 $4,606
30 $2,746
40 $2,714
50 $2,596
60 $2,570

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $68
Homeowner $21
5-yr Accident Free $81
5-yr Claim Free $80
Paid in Full/EFT $49
Advance Quote $57
Online Quote $86
Total Discounts $506
Rate after discounts $748

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles