Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,254 a year including full coverage. Comprehensive insurance costs an estimated $210 each year, 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. 16-year-old drivers pay the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities.

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

The ranges above highlight why all drivers should get quotes for a targeted area and risk profile, rather than using rate averages.

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 other coverage scenarios.

• The best full coverage rate is $748
• Choosing higher $1,000 deductibles can save approximately $122 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,254
• Buying low deductibles for comp and collision coverage will cost an extra $238 each year
• Drivers with multiple tickets or accidents could pay up to $2,714 or more
• The price for full coverage for a teenage driver can cost as much as $4,984 each year

View Chart as Image

Auto insurance prices for a Ford F-250 Super Duty are also quite variable based on your driving record, the model of your F-250 Super Duty, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

The state you live in 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 at least $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $360 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $533 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different 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 the Right Ford F-250 Super Duty Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a quick rundown of the data that was covered above.

• You may be able to save approximately $140 per year simply by quoting online in advance
• Consumers who want higher liability limits will pay around $590 per year to raise limits from a low limit to 250/500 limits
• Teenagers are the costliest to insure, possibly costing $415 a month if they have full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,460 more annually for car insurance