Ford F-250 Super Duty Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated auto insurance rates for a Ford F-250 Super Duty are $1,298 annually including full coverage. Comprehensive costs around $228 each year, collision costs $356, and liability costs around $534. Liability-only insurance costs as low as $588 a year, with high-risk driver insurance costing around $2,804. 16-year-old drivers pay the most at $5,108 a year or more.
Average premium for full coverage: $1,298
Premium estimates for type of coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and F-250 Super Duty models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Ford F-250 Super Duty go from as cheap as $588 for liability-only coverage to a high rate of $2,804 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates how location impacts auto insurance rates.
These rate differences highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using rate averages.
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.
Additional Charts and Tables
The chart below breaks down estimated Ford F-250 Super Duty insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $771
- Using higher $1,000 deductibles will save about $132 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,298
- Buying low deductibles for physical damage coverage will cost $1,554
- Drivers with multiple tickets or accidents could pay at least $2,804 or more
- An auto insurance policy with full coverage for a teen driver can be $5,108 or more
Insurance prices for a Ford F-250 Super Duty also have a wide range based on the model of your F-250 Super Duty, your driving characteristics, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $390 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $533 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Ford F-250 Super Duty insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,850 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,174 | -$124 | -9.6% |
Alaska | $996 | -$302 | -23.3% |
Arizona | $1,078 | -$220 | -16.9% |
Arkansas | $1,298 | -$0 | 0.0% |
California | $1,480 | $182 | 14.0% |
Colorado | $1,238 | -$60 | -4.6% |
Connecticut | $1,334 | $36 | 2.8% |
Delaware | $1,468 | $170 | 13.1% |
Florida | $1,624 | $326 | 25.1% |
Georgia | $1,198 | -$100 | -7.7% |
Hawaii | $932 | -$366 | -28.2% |
Idaho | $880 | -$418 | -32.2% |
Illinois | $966 | -$332 | -25.6% |
Indiana | $980 | -$318 | -24.5% |
Iowa | $876 | -$422 | -32.5% |
Kansas | $1,232 | -$66 | -5.1% |
Kentucky | $1,770 | $472 | 36.4% |
Louisiana | $1,924 | $626 | 48.2% |
Maine | $802 | -$496 | -38.2% |
Maryland | $1,072 | -$226 | -17.4% |
Massachusetts | $1,036 | -$262 | -20.2% |
Michigan | $2,252 | $954 | 73.5% |
Minnesota | $1,086 | -$212 | -16.3% |
Mississippi | $1,554 | $256 | 19.7% |
Missouri | $1,150 | -$148 | -11.4% |
Montana | $1,392 | $94 | 7.2% |
Nebraska | $1,024 | -$274 | -21.1% |
Nevada | $1,560 | $262 | 20.2% |
New Hampshire | $936 | -$362 | -27.9% |
New Jersey | $1,452 | $154 | 11.9% |
New Mexico | $1,150 | -$148 | -11.4% |
New York | $1,366 | $68 | 5.2% |
North Carolina | $748 | -$550 | -42.4% |
North Dakota | $1,064 | -$234 | -18.0% |
Ohio | $896 | -$402 | -31.0% |
Oklahoma | $1,332 | $34 | 2.6% |
Oregon | $1,188 | -$110 | -8.5% |
Pennsylvania | $1,238 | -$60 | -4.6% |
Rhode Island | $1,730 | $432 | 33.3% |
South Carolina | $1,176 | -$122 | -9.4% |
South Dakota | $1,096 | -$202 | -15.6% |
Tennessee | $1,136 | -$162 | -12.5% |
Texas | $1,562 | $264 | 20.3% |
Utah | $960 | -$338 | -26.0% |
Vermont | $890 | -$408 | -31.4% |
Virginia | $776 | -$522 | -40.2% |
Washington | $1,000 | -$298 | -23.0% |
West Virginia | $1,188 | -$110 | -8.5% |
Wisconsin | $898 | -$400 | -30.8% |
Wyoming | $1,156 | -$142 | -10.9% |
With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, and prices will be substantially 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Ford F-250 Super Duty | $362 | $656 | $420 | $1,618 |
2023 Ford F-250 Super Duty | $346 | $630 | $440 | $1,596 |
2022 Ford F-250 Super Duty | $332 | $626 | $450 | $1,588 |
2021 Ford F-250 Super Duty | $320 | $610 | $470 | $1,580 |
2020 Ford F-250 Super Duty | $310 | $586 | $486 | $1,562 |
2019 Ford F-250 Super Duty | $292 | $564 | $500 | $1,536 |
2018 Ford F-250 Super Duty | $282 | $524 | $510 | $1,496 |
2017 Ford F-250 Super Duty | $270 | $494 | $514 | $1,458 |
2016 Ford F-250 Super Duty | $258 | $442 | $520 | $1,400 |
2015 Ford F-250 Super Duty | $242 | $408 | $520 | $1,350 |
2014 Ford F-250 Super Duty | $234 | $382 | $524 | $1,320 |
2013 Ford F-250 Super Duty | $228 | $356 | $534 | $1,298 |
2010 Ford F-250 Super Duty | $192 | $274 | $534 | $1,180 |
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 Buy Cheaper Ford F-250 Super Duty Insurance
Finding better rates on car insurance requires avoiding accidents and violations, having good credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around at least every other year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The list below is a condensed summary of the car insurance concepts touched on above.
- Higher risk drivers with multiple at-fault accidents may pay on average $1,510 more every year for car insurance
- You may be able to save up to $150 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $400 each year
- Policyholders who may need higher liability limits will pay around $590 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,108 |
20 | $2,984 |
30 | $1,332 |
40 | $1,298 |
50 | $1,192 |
60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,554 |
$250 | $1,436 |
$500 | $1,298 |
$1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,298 |
50/100 | $1,538 |
100/300 | $1,686 |
250/500 | $2,071 |
100 CSL | $1,598 |
300 CSL | $1,923 |
500 CSL | $2,160 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,234 |
20 | $4,754 |
30 | $2,840 |
40 | $2,804 |
50 | $2,680 |
60 | $2,654 |
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 | $67 |
Multi-vehicle | $70 |
Homeowner | $22 |
5-yr Accident Free | $85 |
5-yr Claim Free | $83 |
Paid in Full/EFT | $51 |
Advance Quote | $60 |
Online Quote | $89 |
Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area