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 insurance costs approximately $228, collision costs $356, and liability costs around $534. A policy with just liability insurance costs as low as $588 a year, with coverage for high-risk drivers costing $2,804 or more. Teenage drivers receive the highest rates at $5,108 a year or more.

Average premium for full coverage: $1,298

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical 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

Where you live can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

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

These examples highlight why everyone should compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $771
• Using higher $1,000 deductibles will save $132 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,298
• Using pricier low deductibles for physical damage coverage costs an additional $256 every year
• Drivers who are prone to accidents and violations could pay around $2,804 or more
• The cost with full coverage for a teen driver for full coverage can cost $5,108 or more

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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 no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared 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 additional per year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $390 every year, 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 each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $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 and see which company has the best rate. Each insurance company uses a different method to calculate rates, and 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 Best Ford F-250 Super Duty Insurance

Saving money on car insurance requires being a good driver, having good credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following list is a brief recap of the information touched on in this article.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are the costliest to insure, as much as $426 per month if they have full coverage
• Increasing deductibles could save up to $400 each year
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,510 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay an extra $590 per year to increase from a minimum limit to higher 250/500 limits