Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,254 a year with full coverage. Comprehensive costs approximately $210 a year, collision costs $330, and liability costs around $534. A liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,714. Teenage drivers 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:

Prices are based on $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

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

The examples above demonstrate why it is important to compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $748
• Using higher $1,000 deductibles will save $1,132 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,254
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,492
• Drivers who are prone to accidents and violations could pay around $2,714 or more
• Policy cost for full coverage for a teen driver can cost $4,984 or more

View Chart as Image

Car insurance rates for a Ford F-250 Super Duty also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

Your home state has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,700 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $360 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Affordable Ford F-250 Super Duty Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and avoiding coverage lapses. Take the time to compare rates every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the material that was covered in the above illustrations.

• Policyholders who purchase higher levels of liability will pay an extra $590 every year to increase from a 30/60 limit to 250/500 limits
• Teenage drivers pay the highest auto insurance rates, as much as $415 each month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,460 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save around $350 each year