Ford F-250 Super Duty Insurance Rates

Average auto insurance rates for a Ford F-250 Super Duty are $1,298 annually including full coverage. Comprehensive costs approximately $228, collision costs $356, and liability is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing around $2,804. Teens receive the highest rates at $5,108 a year or more.

Average premium for full coverage: $1,298

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all F-250 Super Duty models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

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

These examples highlight why everyone should get quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $771
• Choosing higher $1,000 deductibles can save $132 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,298
• Selecting pricier low deductibles for comp and collision coverage will cost $1,554
• Higher-risk drivers with serious driving violations could pay around $2,804 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost $5,108 each year

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Insurance rates for a Ford F-250 Super Duty can also vary considerably based on the trim level of your F-250 Super Duty, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,200 extra per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers ranges from 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $533 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Ford F-250 Super Duty insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

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With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, so the rates can be significantly 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 the Right Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty takes being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following list is a quick rundown of the concepts that were covered above.

• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,510 more per year than a safer driver
• Drivers age 16 to 20 are expensive to insure, as much as $426 per month including comprehensive and collision insurance
• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $400 each year
• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date