Ford F-250 Super Duty Insurance Rates

The average insurance rates for a Ford F-250 Super Duty are $1,254 a year including full coverage. Comprehensive insurance costs an estimated $210, collision costs $330, and liability coverage is estimated at $534. Liability-only insurance costs approximately $588 a year, with high-risk driver insurance costing $2,714 or more. Teens cost the most to insure at $4,984 a year or more.

Average premium for full coverage: $1,254

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different F-250 Super Duty trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $748
• Choosing higher $1,000 deductibles can save approximately $122 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,254
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $238 each year
• Drivers with serious driving violations could pay up to $2,714 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,984 each year

View Chart as Image

Auto insurance rates for a Ford F-250 Super Duty also range considerably based on your risk profile, the model of your F-250 Super Duty, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

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 have to pay at least $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $360 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $533 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and quoted rates will be varied from one company to the next.

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 Find Affordable Ford F-250 Super Duty Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief review of the information covered above.

• You may be able to save approximately $140 per year simply by shopping early and online
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $415 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $350 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,460 more annually than a driver with a clean driving record
• Consumers who want additional liability coverage will pay approximately $590 per year to raise limits from a 30/60 limit to 250/500 limits