Ford F-250 Super Duty Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: May 4, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage insurance. Comprehensive costs around $210, collision insurance costs $330, and liability insurance costs around $534. Liability-only coverage costs as low as $588 a year, and high-risk coverage costs around $2,714. 16-year-old drivers pay the most at up to $4,984 a year.

Average premium for full coverage: $1,254

Premium estimates for type of coverage:

Comprehensive $210
Collision $330
Liability $534

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different F-250 Super Duty trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Ford F-250 Super Duty range from the low end price of $588 for a discount liability-only rate to a much higher rate of $2,714 for a driver required to buy high-risk insurance.

Liability Only $588
Full Coverage $1,254
High Risk $2,714

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $941
Small Cities $1,317
Large Cities $1,693

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below illustrates average Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $748
  • Using higher $1,000 deductibles will save about $122 each year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,254
  • Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,492
  • Drivers with multiple tickets or accidents could pay at least $2,714
  • An auto insurance policy that insures a teen driver with full coverage can be $4,984 or more

View Chart as Image

Ford F-250 Super Duty insurance cost comparison chart
Column chart showing Ford F-250 Super Duty insurance rates range from $748 to $4,984 for full coverage

Insurance prices for a Ford F-250 Super Duty also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Ford F-250 Super Duty insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,700 on average in Michigan, New York, and Florida.

Ford F-250 Super Duty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,134 -$120 -9.6%
Alaska $964 -$290 -23.1%
Arizona $1,042 -$212 -16.9%
Arkansas $1,254 -$0 0.0%
California $1,430 $176 14.0%
Colorado $1,198 -$56 -4.5%
Connecticut $1,290 $36 2.9%
Delaware $1,420 $166 13.2%
Florida $1,572 $318 25.4%
Georgia $1,160 -$94 -7.5%
Hawaii $902 -$352 -28.1%
Idaho $850 -$404 -32.2%
Illinois $934 -$320 -25.5%
Indiana $948 -$306 -24.4%
Iowa $848 -$406 -32.4%
Kansas $1,192 -$62 -4.9%
Kentucky $1,714 $460 36.7%
Louisiana $1,860 $606 48.3%
Maine $776 -$478 -38.1%
Maryland $1,036 -$218 -17.4%
Massachusetts $1,002 -$252 -20.1%
Michigan $2,178 $924 73.7%
Minnesota $1,050 -$204 -16.3%
Mississippi $1,504 $250 19.9%
Missouri $1,114 -$140 -11.2%
Montana $1,348 $94 7.5%
Nebraska $990 -$264 -21.1%
Nevada $1,506 $252 20.1%
New Hampshire $906 -$348 -27.8%
New Jersey $1,406 $152 12.1%
New Mexico $1,110 -$144 -11.5%
New York $1,322 $68 5.4%
North Carolina $724 -$530 -42.3%
North Dakota $1,028 -$226 -18.0%
Ohio $866 -$388 -30.9%
Oklahoma $1,288 $34 2.7%
Oregon $1,152 -$102 -8.1%
Pennsylvania $1,198 -$56 -4.5%
Rhode Island $1,674 $420 33.5%
South Carolina $1,138 -$116 -9.3%
South Dakota $1,062 -$192 -15.3%
Tennessee $1,098 -$156 -12.4%
Texas $1,512 $258 20.6%
Utah $928 -$326 -26.0%
Vermont $860 -$394 -31.4%
Virginia $750 -$504 -40.2%
Washington $968 -$286 -22.8%
West Virginia $1,152 -$102 -8.1%
Wisconsin $868 -$386 -30.8%
Wyoming $1,118 -$136 -10.8%

View Chart as Image

Ford F-250 Super Duty insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $360 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $533 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Ford F-250 Super Duty Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
F-250 XL 2WD $1,154 $96
F-250 XL Cabela Package 2WD $1,200 $100
F-250 XL Super Cab 2WD $1,200 $100
F-250 XLT 2WD $1,200 $100
F-250 XL Harley Edition 2WD $1,224 $102
F-250 XL 4WD $1,254 $105
F-250 XL Crew Cab 2WD $1,224 $102
F-250 XL Super Cab Cabela Package 2WD $1,224 $102
F-250 XLT Super Cab 2WD $1,224 $102
F-250 King Ranch Crew Cab 2WD $1,246 $104
F-250 XL Turbo Diesel 2WD $1,246 $104
F-250 XL Cabela Package 4WD $1,278 $107
F-250 XL Crew Cab Cabela Package 2WD $1,246 $104
F-250 XL Crew Cab 4WD $1,278 $107
F-250 XL Super Cab Harley Edition 2WD $1,246 $104
F-250 XL Super Cab 4WD $1,278 $107
F-250 XLT 4WD $1,278 $107
F-250 XLT Crew Cab 2WD $1,246 $104
F-250 King Ranch Crew Cab 4WD $1,302 $109
F-250 Lariat Crew Cab 2WD $1,270 $106
F-250 Lariat Super Cab 2WD $1,270 $106
F-250 XL Cabela Turbo Diesel 2WD $1,270 $106
F-250 XL Harley Edition 4WD $1,302 $109
F-250 XL Crew Cab Turbo Diesel 2WD $1,270 $106
F-250 XL Crew Cab Harley Edition 2WD $1,270 $106
F-250 XL Super Cab Turbo Diesel 2WD $1,270 $106
F-250 XL Super Cab Cabela Turbo Diesel 2WD $1,270 $106
F-250 XL Super Cab Cabela Package 4WD $1,302 $109
F-250 XLT Turbo Diesel 2WD $1,270 $106
F-250 XLT Super Cab 4WD $1,302 $109
F-250 King Ranch Crew Cab Turbo Diesel 2WD $1,294 $108
F-250 Lariat Super Cab Turbo Diesel 2WD $1,294 $108
F-250 Lariat Super Cab 4WD $1,326 $111
F-250 XL Harley Turbo Diesel 2WD $1,294 $108
F-250 XL Turbo Diesel 4WD $1,326 $111
F-250 XL Cabela Turbo Diesel 4WD $1,326 $111
F-250 XL Crew Cab Cabela Turbo Diesel 2WD $1,294 $108
F-250 XL Crew Cab Harley Turbo Diesel 2WD $1,294 $108
F-250 XL Crew Cab Turbo Diesel 4WD $1,326 $111
F-250 XL Crew Cab Harley Edition 4WD $1,326 $111
F-250 XL Super Cab Harley Turbo Diesel 2WD $1,294 $108
F-250 XL Super Cab Turbo Diesel 4WD $1,326 $111
F-250 XL Super Cab Harley Edition 4WD $1,326 $111
F-250 XLT Turbo Diesel 4WD $1,326 $111
F-250 XLT Crew Cab Turbo Diesel 2WD $1,294 $108
F-250 XLT Crew Cab 4WD $1,326 $111
F-250 XLT Super Cab Turbo Diesel 2WD $1,294 $108
F-250 Cabela Crew Cab 4WD $1,348 $112
F-250 King Ranch Crew Cab Turbo Diesel 4WD $1,348 $112
F-250 Lariat Crew Cab Turbo Diesel 2WD $1,318 $110
F-250 Lariat Crew Cab 4WD $1,348 $112
F-250 XL Harley Turbo Diesel 4WD $1,348 $112
F-250 XL Super Cab Cabela Turbo Diesel 4WD $1,348 $112
F-250 XLT Crew Cab Turbo Diesel 4WD $1,348 $112
F-250 XLT Super Cab Turbo Diesel 4WD $1,348 $112
F-250 Lariat Crew Cab Turbo Diesel 4WD $1,372 $114
F-250 Lariat Super Cab Turbo Diesel 4WD $1,372 $114
F-250 XL Crew Cab Harley Turbo Diesel 4WD $1,372 $114
F-250 XL Super Cab Harley Turbo Diesel 4WD $1,372 $114

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.

Ford F-250 Super Duty Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford F-250 Super Duty $346 $630 $440 $1,596
2023 Ford F-250 Super Duty $332 $626 $450 $1,588
2022 Ford F-250 Super Duty $320 $610 $470 $1,580
2021 Ford F-250 Super Duty $310 $586 $486 $1,562
2020 Ford F-250 Super Duty $292 $564 $500 $1,536
2019 Ford F-250 Super Duty $282 $524 $510 $1,496
2018 Ford F-250 Super Duty $270 $494 $514 $1,458
2017 Ford F-250 Super Duty $258 $442 $520 $1,400
2016 Ford F-250 Super Duty $242 $408 $520 $1,350
2015 Ford F-250 Super Duty $234 $382 $524 $1,320
2014 Ford F-250 Super Duty $228 $356 $534 $1,298
2013 Ford F-250 Super Duty $210 $330 $534 $1,254
2010 Ford F-250 Super Duty $180 $250 $534 $1,144

Rates are averaged for all Ford F-250 Super Duty models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Ford F-250 Super Duty Insurance

Finding better rates on Ford F-250 Super Duty insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Comparison shop at every policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the data covered above.

  • Drivers who may need an increased level of liability coverage will pay around $590 annually to increase from 30/60 bodily injury limits to the 250/500 level
  • It is possible to save up to $140 per year just by shopping early and online
  • Increasing policy deductibles can save approximately $350 each year
  • Drivers age 16 to 20 pay higher prices, with premiums being up to $415 per month if full coverage is included

Rates by Driver Age

Ford F-250 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $4,984
20 $2,890
30 $1,286
40 $1,254
50 $1,152
60 $1,130

Full coverage, $500 deductibles

Rates by Deductible

Ford F-250 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,384
$500 $1,254
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Ford F-250 Super Duty Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,254
50/100 $1,490
100/300 $1,638
250/500 $2,023
100 CSL $1,550
300 CSL $1,875
500 CSL $2,112

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-250 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $7,052
20 $4,606
30 $2,746
40 $2,714
50 $2,596
60 $2,570

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $68
Homeowner $21
5-yr Accident Free $81
5-yr Claim Free $80
Paid in Full/EFT $49
Advance Quote $57
Online Quote $86
Total Discounts $506
Rate after discounts $748

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles