Ford F-250 Super Duty Insurance Rates

U.S. average insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage. Comprehensive insurance costs an estimated $210 each year, collision costs $330, and liability coverage costs around $534. A policy with just liability insurance costs as low as $588 a year, with coverage for high-risk drivers costing $2,714 or more. Teenage 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:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and F-250 Super Duty models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above show why all drivers should compare prices for a targeted area and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below shows estimated Ford F-250 Super Duty insurance rates for other coverage scenarios.

• The best discount rate is $748
• Using higher $1,000 deductibles will save approximately $122 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,254
• Using low deductibles for physical damage coverage will cost an extra $238 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,714 or more
• The price for full coverage for a teenage driver can cost as much as $4,984 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age

The state you live in has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,790 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $360 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $533 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be around 42% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the 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 Best Cheap Ford F-250 Super Duty Insurance

Getting lower rates on auto insurance requires being safe and accident-free, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a quick review of the data presented in the illustrations above.

• Consumers who want more liability protection will pay an extra $590 each year to increase from a low limit to 250/500 limits
• Drivers can save approximately $140 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $350 each year
• Youthful drivers are charged the highest prices, with premiums as much as $415 a month for full coverage