Ford F-250 Super Duty Insurance Rates

The average insurance prices for a Ford F-250 Super Duty are $1,298 every 12 months including full coverage. Comprehensive insurance costs approximately $228 a year, collision insurance costs $356, and liability costs $534. Buying just liability costs as little as $588 a year, and insurance for high-risk drivers costs $2,804 or more. Teen drivers cost the most to insure at up to $5,108 a year.

Average premium for full coverage: $1,298

Policy rates by type of insurance:

Rates are based on $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location and their own driving history, instead of using price averages.

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

More Rate Information

The chart below breaks down average Ford F-250 Super Duty insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $771
• Drivers who choose higher $1,000 deductibles will pay $1,166 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,298
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $256 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,804
• Policy cost to insure a teen driver can cost $5,108 a year

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Insurance rates for a Ford F-250 Super Duty also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your F-250 Super Duty.

Choosing high deductibles could save up to $390 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $533 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 128% more than average. View High Risk Driver Rates

Your home state makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Shop for the Best Cheap Ford F-250 Super Duty Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The following is a quick review of the coverage data touched on above.

• You may be able to save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Teens are expensive to insure, with premiums being up to $426 each month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,510 more per year for F-250 Super Duty insurance