Ford F-250 Super Duty Insurance Rates

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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

UPDATED: May 4, 2024

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Average insurance rates for a Ford F-250 Super Duty are $1,298 a year with full coverage. Comprehensive insurance costs on average $228 a year, collision insurance costs $356, and liability costs $534. A policy with just liability insurance costs as little as $588 a year, and coverage for high-risk drivers costs $2,804 or more. Teens receive the highest rates at up to $5,108 a year.

Average premium for full coverage: $1,298

Rate estimates by individual coverage type:

Comprehensive $228
Collision $356
Liability $534

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and F-250 Super Duty trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $588 for just the minimum liability insurance to a high of $2,804 for a driver who has had serious violations or accidents.

Liability Only $588
Full Coverage $1,298
High Risk $2,804

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $974
Small Cities $1,363
Large Cities $1,752

These examples demonstrate why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.

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.

Additional Rate Analysis

The chart below details average Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $771
  • Drivers who choose higher $1,000 deductibles will pay around $1,166 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,298
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $256 annually
  • Drivers with serious driving violations could pay upwards of $2,804
  • The cost for full coverage for a 16-year-old driver may cost $5,108 a year

View Chart as Image

Ford F-250 Super Duty insurance cost comparison chart
Column chart showing Ford F-250 Super Duty insurance prices range from $771 to $5,108 for full coverage

Insurance rates for a Ford F-250 Super Duty can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

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 $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.

Ford F-250 Super Duty Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$124 -9.6%
Alaska $996 -$302 -23.3%
Arizona $1,078 -$220 -16.9%
Arkansas $1,298 -$0 0.0%
California $1,480 $182 14.0%
Colorado $1,238 -$60 -4.6%
Connecticut $1,334 $36 2.8%
Delaware $1,468 $170 13.1%
Florida $1,624 $326 25.1%
Georgia $1,198 -$100 -7.7%
Hawaii $932 -$366 -28.2%
Idaho $880 -$418 -32.2%
Illinois $966 -$332 -25.6%
Indiana $980 -$318 -24.5%
Iowa $876 -$422 -32.5%
Kansas $1,232 -$66 -5.1%
Kentucky $1,770 $472 36.4%
Louisiana $1,924 $626 48.2%
Maine $802 -$496 -38.2%
Maryland $1,072 -$226 -17.4%
Massachusetts $1,036 -$262 -20.2%
Michigan $2,252 $954 73.5%
Minnesota $1,086 -$212 -16.3%
Mississippi $1,554 $256 19.7%
Missouri $1,150 -$148 -11.4%
Montana $1,392 $94 7.2%
Nebraska $1,024 -$274 -21.1%
Nevada $1,560 $262 20.2%
New Hampshire $936 -$362 -27.9%
New Jersey $1,452 $154 11.9%
New Mexico $1,150 -$148 -11.4%
New York $1,366 $68 5.2%
North Carolina $748 -$550 -42.4%
North Dakota $1,064 -$234 -18.0%
Ohio $896 -$402 -31.0%
Oklahoma $1,332 $34 2.6%
Oregon $1,188 -$110 -8.5%
Pennsylvania $1,238 -$60 -4.6%
Rhode Island $1,730 $432 33.3%
South Carolina $1,176 -$122 -9.4%
South Dakota $1,096 -$202 -15.6%
Tennessee $1,136 -$162 -12.5%
Texas $1,562 $264 20.3%
Utah $960 -$338 -26.0%
Vermont $890 -$408 -31.4%
Virginia $776 -$522 -40.2%
Washington $1,000 -$298 -23.0%
West Virginia $1,188 -$110 -8.5%
Wisconsin $898 -$400 -30.8%
Wyoming $1,156 -$142 -10.9%

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $390 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $533 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 128% more than the average policy. View High Risk Driver Rates

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 $1,186 $99
F-250 XL Cabela Package 2WD $1,238 $103
F-250 XL Super Cab 2WD $1,238 $103
F-250 XLT 2WD $1,238 $103
F-250 XL Harley Edition 2WD $1,264 $105
F-250 XL 4WD $1,290 $108
F-250 XL Crew Cab 2WD $1,264 $105
F-250 XL Super Cab Cabela Package 2WD $1,264 $105
F-250 XLT Super Cab 2WD $1,264 $105
F-250 King Ranch Crew Cab 2WD $1,290 $108
F-250 XL Turbo Diesel 2WD $1,290 $108
F-250 XL Cabela Package 4WD $1,318 $110
F-250 XL Crew Cab Cabela Package 2WD $1,290 $108
F-250 XL Crew Cab 4WD $1,318 $110
F-250 XL Super Cab Harley Edition 2WD $1,290 $108
F-250 XL Super Cab 4WD $1,318 $110
F-250 XLT 4WD $1,318 $110
F-250 XLT Crew Cab 2WD $1,290 $108
F-250 King Ranch Crew Cab 4WD $1,342 $112
F-250 Lariat Crew Cab 2WD $1,316 $110
F-250 Lariat Super Cab 2WD $1,316 $110
F-250 XL Cabela Turbo Diesel 2WD $1,316 $110
F-250 XL Harley Edition 4WD $1,342 $112
F-250 XL Crew Cab Turbo Diesel 2WD $1,316 $110
F-250 XL Crew Cab Harley Edition 2WD $1,316 $110
F-250 XL Super Cab Turbo Diesel 2WD $1,316 $110
F-250 XL Super Cab Cabela Turbo Diesel 2WD $1,316 $110
F-250 XL Super Cab Cabela Package 4WD $1,342 $112
F-250 XLT Turbo Diesel 2WD $1,316 $110
F-250 XLT Super Cab 4WD $1,342 $112
F-250 King Ranch Crew Cab Turbo Diesel 2WD $1,340 $112
F-250 Lariat Super Cab Turbo Diesel 2WD $1,340 $112
F-250 Lariat Super Cab 4WD $1,368 $114
F-250 XL Harley Turbo Diesel 2WD $1,340 $112
F-250 XL Turbo Diesel 4WD $1,368 $114
F-250 XL Cabela Turbo Diesel 4WD $1,368 $114
F-250 XL Crew Cab Cabela Turbo Diesel 2WD $1,340 $112
F-250 XL Crew Cab Harley Turbo Diesel 2WD $1,340 $112
F-250 XL Crew Cab Turbo Diesel 4WD $1,368 $114
F-250 XL Crew Cab Harley Edition 4WD $1,368 $114
F-250 XL Super Cab Harley Turbo Diesel 2WD $1,340 $112
F-250 XL Super Cab Turbo Diesel 4WD $1,368 $114
F-250 XL Super Cab Harley Edition 4WD $1,368 $114
F-250 XLT Turbo Diesel 4WD $1,368 $114
F-250 XLT Crew Cab Turbo Diesel 2WD $1,340 $112
F-250 XLT Crew Cab 4WD $1,368 $114
F-250 XLT Super Cab Turbo Diesel 2WD $1,340 $112
F-250 Cabela Crew Cab 4WD $1,392 $116
F-250 King Ranch Crew Cab Turbo Diesel 4WD $1,392 $116
F-250 Lariat Crew Cab Turbo Diesel 2WD $1,364 $114
F-250 Lariat Crew Cab 4WD $1,392 $116
F-250 XL Harley Turbo Diesel 4WD $1,392 $116
F-250 XL Super Cab Cabela Turbo Diesel 4WD $1,392 $116
F-250 XLT Crew Cab Turbo Diesel 4WD $1,392 $116
F-250 XLT Super Cab Turbo Diesel 4WD $1,392 $116
F-250 Lariat Crew Cab Turbo Diesel 4WD $1,420 $118
F-250 Lariat Super Cab Turbo Diesel 4WD $1,420 $118
F-250 XL Crew Cab Harley Turbo Diesel 4WD $1,420 $118
F-250 XL Super Cab Harley Turbo Diesel 4WD $1,420 $118

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 $362 $656 $420 $1,618
2023 Ford F-250 Super Duty $346 $630 $440 $1,596
2022 Ford F-250 Super Duty $332 $626 $450 $1,588
2021 Ford F-250 Super Duty $320 $610 $470 $1,580
2020 Ford F-250 Super Duty $310 $586 $486 $1,562
2019 Ford F-250 Super Duty $292 $564 $500 $1,536
2018 Ford F-250 Super Duty $282 $524 $510 $1,496
2017 Ford F-250 Super Duty $270 $494 $514 $1,458
2016 Ford F-250 Super Duty $258 $442 $520 $1,400
2015 Ford F-250 Super Duty $242 $408 $520 $1,350
2014 Ford F-250 Super Duty $234 $382 $524 $1,320
2013 Ford F-250 Super Duty $228 $356 $534 $1,298
2010 Ford F-250 Super Duty $192 $274 $534 $1,180

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 Affordable Ford F-250 Super Duty Insurance

Saving money on insurance for a Ford F-250 Super Duty not only requires not taking risks behind the wheel, but also having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The following is a brief review of the ideas that were presented in the illustrations above.

  • Teens pay higher rates, with premiums as much as $426 per month including comprehensive and collision insurance
  • Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,510 more each year for F-250 Super Duty insurance
  • Increasing deductibles can save around $400 each year
  • You may be able to save as much as $150 per year just by quoting early and online

Rates by Driver Age

Ford F-250 Super Duty Insurance Rates by Driver Age
Driver Age Premium
16 $5,108
20 $2,984
30 $1,332
40 $1,298
50 $1,192
60 $1,168

Full coverage, $500 deductibles

Rates by Deductible

Ford F-250 Super Duty Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,554
$250 $1,436
$500 $1,298
$1,000 $1,166

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 $1,298
50/100 $1,538
100/300 $1,686
250/500 $2,071
100 CSL $1,598
300 CSL $1,923
500 CSL $2,160

Full coverage, driver age 40

Rates for High Risk Drivers

Ford F-250 Super Duty Insurance Rates for High Risk Drivers
Age Premium
16 $7,234
20 $4,754
30 $2,840
40 $2,804
50 $2,680
60 $2,654

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 $178

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $70
Homeowner $22
5-yr Accident Free $85
5-yr Claim Free $83
Paid in Full/EFT $51
Advance Quote $60
Online Quote $89
Total Discounts $527
Rate after discounts $771

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

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