Ford F-250 Super Duty Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 4, 2024
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Average insurance rates for a Ford F-250 Super Duty are $1,254 a year for full coverage insurance. Comprehensive insurance costs on average $210 a year, collision insurance costs $330, and liability is estimated at $534. Liability-only coverage costs approximately $588 a year, and high-risk coverage costs $2,714 or more. Teenage drivers receive the highest rates at up to $4,984 a year.
Average premium for full coverage: $1,254
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and F-250 Super Duty trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $588 for just liability insurance to a high of $2,714 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why it is important to get quotes based on a specific location, instead of making a decision based on average rates.
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.
More Rate Details
The chart below illustrates average Ford F-250 Super Duty insurance rates for different risk profiles and scenarios.
- The best discount rate is $748
- Choosing higher $1,000 deductibles can save around $1,132 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,254
- Using low $100 deductibles for comp and collision coverage will cost an additional $238 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,714
- The cost that insures a 16-year-old driver may cost $4,984 each year
Car 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 age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age
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 $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,700 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,134 | -$120 | -9.6% |
| Alaska | $964 | -$290 | -23.1% |
| Arizona | $1,042 | -$212 | -16.9% |
| Arkansas | $1,254 | -$0 | 0.0% |
| California | $1,430 | $176 | 14.0% |
| Colorado | $1,198 | -$56 | -4.5% |
| Connecticut | $1,290 | $36 | 2.9% |
| Delaware | $1,420 | $166 | 13.2% |
| Florida | $1,572 | $318 | 25.4% |
| Georgia | $1,160 | -$94 | -7.5% |
| Hawaii | $902 | -$352 | -28.1% |
| Idaho | $850 | -$404 | -32.2% |
| Illinois | $934 | -$320 | -25.5% |
| Indiana | $948 | -$306 | -24.4% |
| Iowa | $848 | -$406 | -32.4% |
| Kansas | $1,192 | -$62 | -4.9% |
| Kentucky | $1,714 | $460 | 36.7% |
| Louisiana | $1,860 | $606 | 48.3% |
| Maine | $776 | -$478 | -38.1% |
| Maryland | $1,036 | -$218 | -17.4% |
| Massachusetts | $1,002 | -$252 | -20.1% |
| Michigan | $2,178 | $924 | 73.7% |
| Minnesota | $1,050 | -$204 | -16.3% |
| Mississippi | $1,504 | $250 | 19.9% |
| Missouri | $1,114 | -$140 | -11.2% |
| Montana | $1,348 | $94 | 7.5% |
| Nebraska | $990 | -$264 | -21.1% |
| Nevada | $1,506 | $252 | 20.1% |
| New Hampshire | $906 | -$348 | -27.8% |
| New Jersey | $1,406 | $152 | 12.1% |
| New Mexico | $1,110 | -$144 | -11.5% |
| New York | $1,322 | $68 | 5.4% |
| North Carolina | $724 | -$530 | -42.3% |
| North Dakota | $1,028 | -$226 | -18.0% |
| Ohio | $866 | -$388 | -30.9% |
| Oklahoma | $1,288 | $34 | 2.7% |
| Oregon | $1,152 | -$102 | -8.1% |
| Pennsylvania | $1,198 | -$56 | -4.5% |
| Rhode Island | $1,674 | $420 | 33.5% |
| South Carolina | $1,138 | -$116 | -9.3% |
| South Dakota | $1,062 | -$192 | -15.3% |
| Tennessee | $1,098 | -$156 | -12.4% |
| Texas | $1,512 | $258 | 20.6% |
| Utah | $928 | -$326 | -26.0% |
| Vermont | $860 | -$394 | -31.4% |
| Virginia | $750 | -$504 | -40.2% |
| Washington | $968 | -$286 | -22.8% |
| West Virginia | $1,152 | -$102 | -8.1% |
| Wisconsin | $868 | -$386 | -30.8% |
| Wyoming | $1,118 | -$136 | -10.8% |
Using high physical damage deductibles can save as much as $360 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $533 extra every 12 months. View Rates by Deductible or Liability Limit
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford F-250 Super Duty | $346 | $630 | $440 | $1,596 |
| 2023 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
| 2022 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
| 2021 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
| 2020 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
| 2019 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
| 2018 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
| 2017 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
| 2016 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
| 2015 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
| 2014 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
| 2013 Ford F-250 Super Duty | $210 | $330 | $534 | $1,254 |
| 2010 Ford F-250 Super Duty | $180 | $250 | $534 | $1,144 |
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 More Affordable Ford F-250 Super Duty Insurance
Saving money on insurance for a Ford F-250 Super Duty takes being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a summary of the coverage data covered above.
- It is possible to save as much as $140 per year just by quoting early and online
- Increasing deductibles can save approximately $350 each year
- Teenage drivers are expensive to insure, costing up to $415 per month if full coverage is purchased
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,460 more each year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,984 |
| 20 | $2,890 |
| 30 | $1,286 |
| 40 | $1,254 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,384 |
| $500 | $1,254 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,254 |
| 50/100 | $1,490 |
| 100/300 | $1,638 |
| 250/500 | $2,023 |
| 100 CSL | $1,550 |
| 300 CSL | $1,875 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,052 |
| 20 | $4,606 |
| 30 | $2,746 |
| 40 | $2,714 |
| 50 | $2,596 |
| 60 | $2,570 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
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