Ford F-250 Super Duty Insurance Rates

Average insurance prices for a Ford F-250 Super Duty are $1,254 every 12 months with full coverage. Comprehensive insurance costs an estimated $210, collision costs $330, and liability costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,714 or more. Teen drivers receive the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different F-250 Super Duty trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $748
• Drivers who choose higher $1,000 deductibles will pay approximately $122 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,254
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $238 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,714 or more
• The cost to insure a 16-year-old driver with full coverage can cost as much as $4,984 a year

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

Choosing high deductibles could save up to $360 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $533 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost from 42% to 133% more than average. View High Risk Driver Rates

Where you live makes a big difference in Ford F-250 Super Duty insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,700 on average in New York, Michigan, and Florida.

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With so much variability in rates, the best way to find out which company is cheapest is to compare rates from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different.

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 Shop for Affordable Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief review of the material that was touched on in this article.

• Insureds who want higher levels of liability will pay about $590 every year to go from a minimum limit to a 250/500 level
• Teenage drivers are the costliest to insure, with premiums as much as $415 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,460 more annually for auto insurance
• Increasing deductibles could save as much as $350 each year