Ford F-250 Super Duty Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 4, 2024
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Average insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage. Comprehensive costs an estimated $210, collision costs $330, and liability is $534. A liability-only policy costs around $588 a year, with high-risk insurance costing around $2,714. 16-year-old drivers receive the highest rates at $4,984 a year or more.
Average premium for full coverage: $1,254
Rate estimates broken down by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different F-250 Super Duty trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $588 for a discount liability-only rate to a much higher rate of $2,714 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below shows estimated Ford F-250 Super Duty insurance rates for other coverage scenarios.
- The best full coverage rate is $748
- Raising to $1,000 deductibles will save approximately $122 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,254
- Buying more expensive low deductibles bumps up the cost to $1,492
- At-risk drivers with multiple tickets or accidents could pay up to $2,714 or more
- The cost that insures a teen driver with full coverage can cost as much as $4,984
Insurance rates for a Ford F-250 Super Duty can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age
Where you live also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find rates as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,790 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$120 | -9.6% |
| Alaska | $964 | -$290 | -23.1% |
| Arizona | $1,042 | -$212 | -16.9% |
| Arkansas | $1,254 | -$0 | 0.0% |
| California | $1,430 | $176 | 14.0% |
| Colorado | $1,198 | -$56 | -4.5% |
| Connecticut | $1,290 | $36 | 2.9% |
| Delaware | $1,420 | $166 | 13.2% |
| Florida | $1,572 | $318 | 25.4% |
| Georgia | $1,160 | -$94 | -7.5% |
| Hawaii | $902 | -$352 | -28.1% |
| Idaho | $850 | -$404 | -32.2% |
| Illinois | $934 | -$320 | -25.5% |
| Indiana | $948 | -$306 | -24.4% |
| Iowa | $848 | -$406 | -32.4% |
| Kansas | $1,192 | -$62 | -4.9% |
| Kentucky | $1,714 | $460 | 36.7% |
| Louisiana | $1,860 | $606 | 48.3% |
| Maine | $776 | -$478 | -38.1% |
| Maryland | $1,036 | -$218 | -17.4% |
| Massachusetts | $1,002 | -$252 | -20.1% |
| Michigan | $2,178 | $924 | 73.7% |
| Minnesota | $1,050 | -$204 | -16.3% |
| Mississippi | $1,504 | $250 | 19.9% |
| Missouri | $1,114 | -$140 | -11.2% |
| Montana | $1,348 | $94 | 7.5% |
| Nebraska | $990 | -$264 | -21.1% |
| Nevada | $1,506 | $252 | 20.1% |
| New Hampshire | $906 | -$348 | -27.8% |
| New Jersey | $1,406 | $152 | 12.1% |
| New Mexico | $1,110 | -$144 | -11.5% |
| New York | $1,322 | $68 | 5.4% |
| North Carolina | $724 | -$530 | -42.3% |
| North Dakota | $1,028 | -$226 | -18.0% |
| Ohio | $866 | -$388 | -30.9% |
| Oklahoma | $1,288 | $34 | 2.7% |
| Oregon | $1,152 | -$102 | -8.1% |
| Pennsylvania | $1,198 | -$56 | -4.5% |
| Rhode Island | $1,674 | $420 | 33.5% |
| South Carolina | $1,138 | -$116 | -9.3% |
| South Dakota | $1,062 | -$192 | -15.3% |
| Tennessee | $1,098 | -$156 | -12.4% |
| Texas | $1,512 | $258 | 20.6% |
| Utah | $928 | -$326 | -26.0% |
| Vermont | $860 | -$394 | -31.4% |
| Virginia | $750 | -$504 | -40.2% |
| Washington | $968 | -$286 | -22.8% |
| West Virginia | $1,152 | -$102 | -8.1% |
| Wisconsin | $868 | -$386 | -30.8% |
| Wyoming | $1,118 | -$136 | -10.8% |
Opting for high physical damage deductibles can reduce rates by up to $360 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $533 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-250 Super Duty | $346 | $630 | $440 | $1,596 |
| 2023 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2022 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2021 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2020 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2019 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2018 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2017 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2016 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2015 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2014 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2013 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2010 Ford F-250 Super Duty | $180 | $250 | $534 | $1,144 |
Rates are averaged for all Ford F-250 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Ford F-250 Super Duty Insurance
Saving money on car insurance consists of avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Comparison shop at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a summary of the concepts that were touched on in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,460 more annually for car insurance
- Teenagers are charged the highest rates, costing as high as $415 per month if full coverage is included
- Drivers can save approximately $140 per year simply by shopping early and online
- Increasing deductibles can save approximately $350 each year
- Drivers can save approximately $140 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,984 |
| 20 | $2,890 |
| 30 | $1,286 |
| 40 | $1,254 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,384 |
| $500 | $1,254 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,254 |
| 50/100 | $1,490 |
| 100/300 | $1,638 |
| 250/500 | $2,023 |
| 100 CSL | $1,550 |
| 300 CSL | $1,875 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,052 |
| 20 | $4,606 |
| 30 | $2,746 |
| 40 | $2,714 |
| 50 | $2,596 |
| 60 | $2,570 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
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