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 costs approximately $210, collision insurance costs $330, and liability is estimated at $534. A policy with just liability insurance costs approximately $588 a year, and coverage for high-risk drivers costs around $2,714. Teens receive the highest rates at up to $4,984 a year.

Average premium for full coverage: $1,254

Rate estimates by individual coverage type:

Prices include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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
• 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 more expensive low deductibles for comp and collision coverage bumps up the cost to $1,492
• Higher-risk drivers with serious driving violations could pay around $2,714
• The cost that insures a 16-year-old driver with full coverage can cost $4,984 each year

View Chart as Image

Insurance rates for a Ford F-250 Super Duty can also vary considerably based on the model year and trim level, 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 additional per year, depending on your age. High-risk driver insurance ranges from 42% to 133% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay 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 prices. 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 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $533 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 the Right Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty takes not taking risks behind the wheel, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following is a quick rundown of the material that was raised in the charts and tables above.

• Insureds who purchase higher liability limits will pay approximately $590 per year to raise limits from a minimum limit to the 250/500 level
• Teens are the costliest to insure, as much as $415 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions will likely pay on average $1,460 more per year for F-250 Super Duty insurance
• Increasing deductibles can save approximately $350 each year