Ford F-250 Super Duty Insurance Rates

Estimated auto insurance rates for a Ford F-250 Super Duty are $1,254 annually including full coverage. Comprehensive costs approximately $210 a year, collision insurance costs $330, and liability coverage costs around $534. Liability-only insurance costs as low as $588 a year, and high-risk driver insurance costs around $2,714. Teens pay the most at up to $4,984 a year.

Average premium for full coverage: $1,254

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

These rate differences highlight why it is important to compare prices using their specific location and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $748
• Using higher $1,000 deductibles will save $1,132 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,254
• Selecting low $100 deductibles for physical damage coverage will cost $1,492
• Higher-risk drivers with serious driving violations could pay around $2,714
• An auto insurance policy with full coverage for a teenage driver can cost $4,984 or more

View Chart as Image

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 characteristics, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $360 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $533 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see prices 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

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 Buy Low Cost Ford F-250 Super Duty Insurance

Finding better rates on auto insurance requires being safe and accident-free, having good credit, refrain from filing small claims, and consideration of higher deductibles. Take the time to comparison shop once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a review of the data that was touched on in the above illustrations.

• You may be able to save around $140 per year just by quoting early and online
• Consumers who purchase more liability protection will pay approximately $590 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers are the costliest to insure, with the cost nearing $415 per month if they have full coverage
• Drivers who have several accidents or serious violations may have to pay on average $1,460 more per year than a low-risk driver