Ford F-250 Super Duty Insurance Rates

The average insurance prices for a Ford F-250 Super Duty are $1,180 every 12 months with full coverage. Comprehensive costs an estimated $192 a year, collision costs $274, and liability insurance is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing around $2,544. Teens cost the most to insure at $4,734 a year or more.

Average premium for full coverage: $1,180

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and 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 more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $712
• Choosing higher $1,000 deductibles can save approximately $1,074 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,180
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,382
• High-risk insureds with serious driving violations could pay up to $2,544 or more
• Policy cost to insure a teen driver can cost as much as $4,734 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $310 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $533 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates

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 $850 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,590 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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 Affordable Ford F-250 Super Duty Insurance

Finding cheaper rates on Ford F-250 Super Duty insurance takes being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a brief review of the car insurance concepts covered above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,360 more annually to insure their F-250 Super Duty
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers who want more liability coverage will pay approximately $590 every year to raise limits from a 30/60 limit to a 250/500 level