Ford F-250 Super Duty Insurance Rates

Estimated insurance rates for a Ford F-250 Super Duty are $1,226 a year for full coverage. Comprehensive insurance costs an estimated $206 each year, collision costs $300, and liability insurance is $540. A liability-only policy costs around $592 a year, with high-risk insurance costing $2,642 or more. Teenage drivers pay the most at $4,880 a year or more.

Average premium for full coverage: $1,226

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

These rate differences show why all drivers should compare rates quotes for a targeted area, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $735
• Raising to $1,000 deductibles will save approximately $116 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,226
• Using low deductibles will cost an additional $220 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,642 or more
• An auto insurance policy that insures a teen driver can cost as much as $4,880

View Chart as Image

Auto insurance prices for a Ford F-250 Super Duty also have a wide range based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on Ford F-250 Super Duty insurance rates. A middle-age driver might find prices as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $340 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $537 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices 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 Affordable Ford F-250 Super Duty Insurance

Finding better rates on Ford F-250 Super Duty insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at every policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a brief review of the data touched on in this article.

• Drivers who want higher levels of liability will pay an extra $590 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers can save approximately $140 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $325 each year
• Teenage drivers are the costliest to insure, as much as $407 per month if the policy includes full coverage