Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,254 a year with full coverage. Comprehensive costs an estimated $210, collision costs $330, and liability coverage costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,714. Teens cost the most to insure at $4,984 a year or more.

Average premium for full coverage: $1,254

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all F-250 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why everyone should compare prices for a targeted area and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $748
• Using higher $1,000 deductibles will save approximately $122 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,254
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,492
• Higher-risk drivers with serious driving violations could pay up to $2,714 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost as much as $4,984 or more

View Chart as Image

Auto insurance rates for a Ford F-250 Super Duty also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,700 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $533 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be around 42% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, and quoted rates will be varied 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 Cheaper Ford F-250 Super Duty Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a condensed summary of the information covered in the above illustrations.

• You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Teenage drivers are the costliest to insure, as much as $415 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $350 each year
• Drivers with multiple at-fault accidents may pay on average $1,460 more annually for auto insurance
• Consumers who want higher levels of liability will pay approximately $590 every year to increase from a 30/60 limit to 250/500 limits