Ford F-250 Super Duty Insurance Rates

Average insurance rates for a Ford F-250 Super Duty are $1,254 a year including full coverage. Comprehensive insurance costs approximately $210, collision costs $330, and liability coverage is estimated at $534. Liability-only coverage costs approximately $588 a year, with high-risk coverage costing $2,714 or more. Teens receive the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all F-250 Super Duty models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why everyone should get quotes using their specific location, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $748
• Choosing higher $1,000 deductibles can save $122 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,254
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $238 each year
• Drivers with serious driving violations could pay around $2,714 or more
• The cost that insures a teenage driver for full coverage can cost $4,984 each year

View Chart as Image

Car insurance rates for a Ford F-250 Super Duty can also vary considerably based on the model of your F-250 Super Duty, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford F-250 Super Duty insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $360 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $533 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes 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 Low Cost Ford F-250 Super Duty Insurance

Saving money on auto insurance takes having a good driving record, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The next list is a review of the data that was covered above.

• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Consumers who purchase increased levels of liability coverage will pay approximately $590 per year to raise limits from a minimum limit to the 250/500 level
• Drivers age 20 and younger pay the highest auto insurance rates, as much as $415 per month if full coverage is purchased
• Drivers who have several accidents or serious violations will likely pay on average $1,460 more per year to buy Ford F-250 Super Duty insurance