Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage. Comprehensive insurance costs approximately $210 a year, collision costs $330, and liability insurance costs $534. A policy with only liability insurance costs as little as $588 a year, with a high-risk policy costing $2,714 or more. Teenage drivers pay the most at $4,984 a year or more.

Average premium for full coverage: $1,254

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences show why it is important to compare rates using their specific location, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $748
• Drivers who choose higher $1,000 deductibles will pay $1,132 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,254
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $238 a year
• High risk drivers who are prone to accidents and violations could pay around $2,714 or more
• An auto insurance policy that insures a teen driver can cost $4,984 a year

View Chart as Image

Car insurance prices for a Ford F-250 Super Duty also have a wide range based on the trim level of your F-250 Super Duty, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Ford F-250 Super Duty insurance rates. A 40-year-old driver could pay 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 save up to $360 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $533 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes will be substantially 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.

How to Find Low Cost Ford F-250 Super Duty Insurance

Finding better rates on Ford F-250 Super Duty insurance not only requires avoiding accidents and claims, but also having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare prices at every other renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The points below are a review of the concepts that were raised in the charts and tables above.

• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,460 more per year to insure a Ford F-250 Super Duty
• Drivers under the age of 20 pay the highest auto insurance prices, as much as $415 per month if full coverage is purchased
• Drivers can save around $140 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $350 each year
• Drivers can save around $140 per year simply by quoting early and online