Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year including full coverage. Comprehensive costs approximately $206, collision insurance costs $300, and liability costs around $540. Liability-only insurance costs as low as $592 a year, and high-risk driver insurance costs around $2,642. Teen drivers pay the most at up to $4,880 a year.

Average premium for full coverage: $1,226

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance prices.

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

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

More Rate Information

The chart below breaks down average Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $735
• Using higher $1,000 deductibles will save $116 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,226
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,446
• Drivers with multiple violations and an at-fault accident could pay around $2,642
• An auto insurance policy that insures a teen driver for full coverage can cost $4,880 or more

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Insurance prices for a Ford F-250 Super Duty also have a wide range based on the model of your F-250 Super Duty, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be as much as 43% to 136% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,800 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 $940 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,750 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $537 more each year. View Rates by Deductible or Liability Limit

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 Cheap Ford F-250 Super Duty Insurance

Finding better rates on car insurance requires being a good driver, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Shop around every other policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief summary of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 are the costliest to insure, with the cost nearing $407 per month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations will likely pay on average $1,420 more per year than a safer driver
• Increasing policy deductibles can save approximately $325 each year
• You may be able to save around $140 per year just by quoting online well ahead of the renewal date