Ford F-250 Super Duty Insurance Rates

The average insurance prices for a Ford F-250 Super Duty are $1,254 every 12 months including full coverage. Comprehensive costs approximately $210, collision insurance costs $330, and liability coverage is estimated at $534. Liability-only coverage costs approximately $588 a year, and high-risk coverage costs around $2,714. Teenage drivers cost the most to insure at up to $4,984 a year.

Average premium for full coverage: $1,254

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all F-250 Super Duty models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location and their own driving history, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save $122 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,254
• Using pricier low deductibles for comp and collision coverage increases the price to $1,492
• Drivers who are prone to accidents and violations could pay around $2,714
• Policy cost to insure a teenage driver for full coverage can cost $4,984 each year

View Chart as Image

Insurance rates for a Ford F-250 Super Duty also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your F-250 Super Duty.

Using high physical damage deductibles can save as much as $360 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $533 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Ford F-250 Super Duty insurance for high-risk drivers ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford F-250 Super Duty insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Right Ford F-250 Super Duty Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick rundown of the concepts that were illustrated above.

• Drivers with reckless driving or DUI convictions could be charged and average of $1,460 more per year to insure their F-250 Super Duty
• Teen drivers are the costliest to insure, with premiums being up to $415 each month if full coverage is included
• You may be able to save around $140 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• You may be able to save around $140 per year just by quoting online well ahead of the renewal date