Ford F-250 Super Duty Insurance Rates

U.S. average insurance prices for a Ford F-250 Super Duty are $1,254 every 12 months with full coverage. Comprehensive insurance costs on average $210 a year, collision costs $330, and liability is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,714 or more. Teenage drivers pay the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,254

Price estimates by individual coverage:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and F-250 Super Duty trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

The ranges above demonstrate why it is important to compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $748
• Raising to $1,000 deductibles will save around $1,132 annually
• The average price for the average middle-age driver with $500 deductibles is $1,254
• Using low $100 deductibles costs an extra $238 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,714 or more
• The price to insure a 16-year-old driver may cost $4,984

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Auto insurance prices for a Ford F-250 Super Duty are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your F-250 Super Duty.

Using high physical damage deductibles can reduce prices by up to $360 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $533 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Ford F-250 Super Duty insurance prices. A middle-age driver might find prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,700 on average in Florida, Michigan, and New York.

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Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite 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 the Best Ford F-250 Super Duty Insurance

Getting lower rates on insurance for a Ford F-250 Super Duty consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at least every other year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the car insurance concepts illustrated above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,460 more each year for F-250 Super Duty insurance
• You may be able to save as much as $140 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $350 each year
• Insureds who require higher liability limits will pay an extra $590 every year to raise from a low limit to a 250/500 level