Ford F-250 Super Duty Insurance Rates

Estimated auto insurance rates for a Ford F-250 Super Duty are $1,226 annually including full coverage. Comprehensive costs an estimated $206, collision costs $300, and liability coverage costs around $540. A liability-only policy costs as low as $592 a year, with high-risk insurance costing around $2,642. 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, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all F-250 Super Duty models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

These rate differences highlight why everyone should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $735
• Using higher $1,000 deductibles will save approximately $116 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,226
• Using pricier low deductibles for physical damage coverage will cost $1,446
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,642 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $4,880 or more

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Auto insurance prices for a Ford F-250 Super Duty also have a wide range based on the model of your F-250 Super Duty, your driving characteristics, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,500 to $2,100 in extra premium annually, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be around 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $340 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $537 extra every year. View Rates by Deductible or Liability Limit

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 $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,750 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 Affordable Ford F-250 Super Duty Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around every other policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief review of the ideas that were illustrated above.

• Teenage drivers are the costliest to insure, with the cost nearing $407 per month if full coverage is included
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,420 more annually for auto insurance
• Increasing policy deductibles could save up to $325 each year
• You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date