Ford F-250 Super Duty Insurance Rates

The average auto insurance rates for a Ford F-250 Super Duty are $1,226 annually with full coverage. Comprehensive insurance costs an estimated $206, collision insurance costs $300, and liability insurance is estimated at $540. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs $2,642 or more. Teens cost the most to insure at up to $4,880 a year.

Average premium for full coverage: $1,226

Policy rates broken down by type of insurance:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save approximately $116 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,226
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $220 a year
• High-risk insureds with serious driving violations could pay up to $2,642
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,880 each year

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

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $537 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford F-250 Super Duty insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,650 on average in New York, Michigan, and Florida.

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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 Buy More Affordable Ford F-250 Super Duty Insurance

Finding cheaper rates on Ford F-250 Super Duty insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a summary of the primary concepts that were covered above.

• You may be able to save approximately $140 per year just by shopping early and online
• High-risk drivers who have multiple accidents or major violations pay on average $1,420 more annually for F-250 Super Duty insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Teens are expensive to insure, as much as $407 each month if they have full coverage